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gpt-5-2[edit | edit source]

User: Home foreclosures rate 2025[edit | edit source]

Home foreclosures rate 2025

Assistant: Here’s the most recent picture of U.S.[edit | edit source]

Here’s the most recent picture of U.S. home foreclosure rates and trends going into and through 2025 (latest available data — actual national figures through late 2025, with trends for foreclosure activity):

📌 2025 U.S. Foreclosure Rate Summary[edit | edit source]

National Foreclosure Rate (late 2025):

  • November 2025: ~1 in every 3,992 housing units had a foreclosure filing (up ~21% YoY). ATTOM[2]
  • October 2025: ~1 in every 3,871 housing units had a foreclosure filing (up ~19% YoY). ATTOM[3]

These figures include foreclosure filings (default notices, scheduled auctions, and bank repossessions), which are a commonly used gauge of foreclosure activity nationally.

Trend Direction:

  • Foreclosure activity has been trending upward throughout 2025, with multiple months showing year-over-year increases. Safeguard Properties[4]
  • Foreclosure starts (new foreclosure proceedings initiated) and completions (homes repossessed by lenders) have also been rising compared to 2024. ATTOM[5]
🧭 2025 Foreclosure Activity Highlights[edit | edit source]

Foreclosure Filings & Starts:

  • Nov 2025: ~23,720 foreclosure starts — ~17% higher than Nov 2024. ATTOM[6]
  • Oct 2025: ~25,129 foreclosure starts — ~20% higher YoY. ATTOM[7]

Completion (REO) Activity:

  • Completed foreclosures (REOs) also rose (e.g., nearly ~3,884 in Nov 2025, up ~26% YoY). ATTOM[8]
🌍 Statewide Variations (2025)[edit | edit source]

States with higher foreclosure rates in late 2025 included:

  • Delaware (~1 in every 1,924 homes)
  • South Carolina (~1 in every 1,973 homes)
  • Nevada (~1 in every 2,373 homes)
  • New Jersey (~1 in every 2,511 homes)
  • Florida (~1 in every 2,565 homes) ATTOM[9]

(This means these states had relatively more foreclosure filings per housing unit than the national average.)

📈 How 2025 Compares Historically[edit | edit source]
  • Foreclosure rates in 2025 remain elevated compared to 2024, with consistent year-over-year increases throughout the year. Safeguard Properties[10]
  • Despite the increases, foreclosure activity in 2025 is still well below levels seen during the 2008 housing crisis, and patterns vary significantly by region and economic conditions.
📊 Key Drivers of Trends in 2025[edit | edit source]

Several factors influencing foreclosure rates in 2025 include:

  • Elevated mortgage rates keeping monthly payments high.
  • Economic stress among some homeowners leading to more defaults.
  • Rising delinquencies (early signs of payment trouble, often preceding foreclosures). Axios[11]

If you want, I can also break down foreclosure rate forecasts for 2026 or compare foreclosure activity by metro area versus national trends. Just let me know!

References[edit | edit source]

  1. ↑ "2025 Foreclosure Trends". ChatGPT. Retrieved 2026-01-13.
  2. ↑ "ATTOM". attomdata.com. Retrieved 2026-01-13.
  3. ↑ "ATTOM". attomdata.com. Retrieved 2026-01-13.
  4. ↑ "Safeguard Properties". Safeguard Properties. Retrieved 2026-01-13.
  5. ↑ "ATTOM". attomdata.com. Retrieved 2026-01-13.
  6. ↑ "ATTOM". attomdata.com. Retrieved 2026-01-13.
  7. ↑ "ATTOM". attomdata.com. Retrieved 2026-01-13.
  8. ↑ "ATTOM". attomdata.com. Retrieved 2026-01-13.
  9. ↑ "ATTOM". attomdata.com. Retrieved 2026-01-13.
  10. ↑ "Safeguard Properties". Safeguard Properties. Retrieved 2026-01-13.
  11. ↑ "Axios". axios.com. 2025-03-27. Retrieved 2026-01-13.
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