Nationwide foreclosure filings hit 42,430 in April
What Is the Current Foreclosure Rate in the U.S.?
In April 2026, U.S. foreclosure activity declined from the prior month but remained higher than levels reported one year earlier, continuing a gradual normalization trend in the housing market.
Total filings: 42,430 properties with default notices, scheduled auctions, or bank repossessions
Monthly change: Down 8 percent from March 2026
Year-over-year change: Up 18 percent from April 2025
National rate: One in every 3,388 housing units had a foreclosure filing
States with the worst foreclosure rates: Delaware, South Carolina, Florida, Indiana, Illinois
What’s Driving April 2026 Foreclosure Trends?
Foreclosure activity in April 2026 continued to reflect a broader normalization trend following pandemic-era lows. While overall filings declined from the prior month, foreclosure activity remained above year-ago levels, suggesting lenders continue working through distressed inventory as higher borrowing costs and affordability challenges impact some homeowners. Strong homeowner equity, relatively tight underwriting standards, and continued housing demand continue to limit widespread foreclosure pressure.
