Florida claimed the nation's highest residential foreclosure rate in the first half of 2026, according to ATTOM's mid-year state data, with roughly one in every 370 properties receiving a foreclosure filing. South Carolina and Indiana ranked second and third. But the state-by-state picture reveals a more complex story: Texas, while ranking second in raw filing volume nationally, has the shortest foreclosure timeline in the nation at 155 days — meaning Texas homeowners facing default have a far smaller decision window than the 563-day national average implies.
ATTOM H1 2026 State Rankings: Florida at 0.27%, South Carolina 0.26%, Indiana and Delaware at 0.25%
ATTOM's H1 2026 state-by-state foreclosure rate data ranks states by the percentage of housing units with at least one filing during the first six months of 2026:
Highest foreclosure rates (H1 2026):
| State | Foreclosure Rate (% of housing units) |
|---|---|
| Florida | 0.27% |
| South Carolina | 0.26% |
| Indiana | 0.25% |
| Delaware | 0.25% |
| Ohio | 0.20% |
| Utah | 0.19% |
Lowest foreclosure rates (H1 2026):
| State | Foreclosure Rate |
|---|---|
| Vermont | 0.03% |
| South Dakota | 0.04% |
| West Virginia | 0.04% |
The national rate: approximately 1 in 632 housing units received a foreclosure filing in H1 2026 — a 21% annual increase and 28% above H1 2024.
June 2026 Monthly Data: 26,217 New Filings Up 20% Year-Over-Year, 4,773 Completions Up 23% Year-Over-Year
The June 2026 monthly snapshot:
- Foreclosure starts: 26,217 — down 4% from May 2026, up 20% from June 2025
- Completed foreclosures: 4,773 — up 17% from May 2026; up 23% from June 2025
- Monthly rate: 1 in 3,656 properties received a filing in June
The month-over-month decline in starts reflects expected seasonal behavior. The more relevant number: year-over-year starts up 20% and completions up 23% — both sustained from prior months' trend.
Top Foreclosure Metro Areas in H1 2026: Punta Gorda at 0.5%, Columbia SC at 0.43%, Macon GA at 0.36%
Metro-level foreclosure rates in H1 2026:
- Punta Gorda, FL: 0.5%
- Columbia, SC: 0.43%
- Macon, GA: 0.36%
Florida's dominance reflects the convergence of post-hurricane insurance cost surges, condo market stress, and investor-owned property delinquency. Florida accounted for 27,494 total H1 filings — the largest volume of any state.
Why Texas's 155-Day Foreclosure Timeline Is the Real Number Every Texas Homeowner in Default Should Know
State foreclosure timeline data from ATTOM reveals dramatic variation in how long the process takes:
Fastest states (average days to complete):
- Texas: 155 days
- New Hampshire: 157 days
- Wyoming: 173 days
Slowest states:
- Louisiana: 3,491 days
- Hawaii: 2,293 days
- New York: 2,007 days
National average (Q2 2026): 563 days
At 155 days, the average Texas foreclosure completes in roughly five months from filing. This is less than one-third of the national average. Texas is a non-judicial foreclosure state — foreclosures proceed by notice and trustee sale without court involvement, which compresses the timeline dramatically.
A Texas homeowner who received a Notice of Default in January 2026 is potentially at or near the point where a voluntary sale can still be completed before the auction date. At 155 days from the first missed payment, the window to accept a cash offer and close is measured in weeks, not months.
What the State Rate and Timeline Data Means for Sellers in High-Rate, Short-Timeline States
Texas's volume (#2 nationally at 22,000 H1 filings) combined with its 155-day timeline creates the most time-compressed distress situation in the country. A Texas homeowner who is three months delinquent may have two months or less before a trustee sale date is set. Non-judicial states require no court approval — the servicer sends notices and sets the sale date.
Florida's 0.27% rate means the highest absolute number of distressed properties are in a market with active foreclosure auctions. Jacksonville, Punta Gorda, and coastal Florida metros are processing foreclosure cases faster than their courts have in over a decade.
Low-rate states (Vermont 0.03%, South Dakota 0.04%) confirm that the stress is not national in equal measure. Regional factors — insurance cost spikes, non-judicial foreclosure laws, condo market exposure — amplify distress in specific states far above the national average.
The Bottom Line: State Data Shows Where the Foreclosure Pipeline Is Heaviest — and How Little Time Sellers Have in Non-Judicial States
The ATTOM H1 2026 state data confirms that foreclosure stress is concentrated, not diffuse. Florida leads in rate; Texas leads in speed. For homeowners in either state facing default, the relevant metric is not the national 563-day average — it is the state-specific timeline. In Texas, that window is 155 days. A cash sale that closes in 20–30 days remains the only exit that preserves equity above the loan balance and prevents a permanent foreclosure record.
Related: Foreclosure Timeline Falls to 563 Days — Lowest Since 2013 · ATTOM H1 2026: Foreclosure Filings Up 20%+ · Texas Foreclosure Help · Stop Foreclosure: Texas Guide · All News
By Zareena Samidon | Samidon Realty Group | Colleyville, TX
Sources: ATTOM, H1 2026 State Foreclosure Market Data via RISMedia, July 16, 2026.