Florida Foreclosure Statistics (September 2026)
Current, sourced data on Florida foreclosure filings, rates, and mortgage delinquencies, with county-level detail for Central Florida and a plain-language explanation of what the numbers mean for homeowners.
In This Report
This page reports the latest verifiable Florida foreclosure and homeowner-distress statistics, updated September 2026. In short: Florida continues to post the highest foreclosure rate in the nation, with about 34,336 foreclosure starts in 2025 and roughly 20,358 starts in the first half of 2026, while national mortgage delinquencies have ticked up from pandemic-era lows. If you are facing foreclosure, the data below is meant to help you understand the bigger picture, not to alarm you. Thousands of Florida homeowners navigate this every year, and there are real options at every stage.
The figures on this page come from the most recent public reports available as of the data period below, including ATTOM Data Solutions, the Mortgage Bankers Association, CoreLogic (now Cotality), and Florida state agencies. Where a state-specific figure is not published, we say so clearly rather than guess.
Important Disclaimer
This page provides educational information about foreclosure statistics. It does not constitute legal, tax, or financial advice, and statistics change monthly. You should verify current numbers with the cited sources and consult a qualified Florida real estate attorney, a HUD-approved housing counselor, or a tax professional for your specific situation. Tyler Gibson is a licensed real estate sales associate, not an attorney.
Key Statistics at a Glance
Sources: ATTOM Data Solutions, the Mortgage Bankers Association, and CoreLogic/Cotality. Full citations appear in the Sources section below.
Florida foreclosure starts, 2025
34,336
Second-highest total in the U.S., behind Texas (37,215).
Florida full-year 2025 rate
1 in 230
Roughly 0.44% of residential properties, the highest rate in the nation.
Florida starts, first half 2026
20,358
Highest foreclosure rate in the country at about 1 in 370 housing units.
U.S. foreclosure filings, 2025
367,460
Up 14% from 2024, with 289,441 starts and 46,439 bank repossessions.
U.S. filings, Q1 2026
~118,700
Up about 26% year over year, the highest quarterly total in six years.
U.S. mortgage delinquency, Q4 2025
4.26%
MBA overall rate, up from 3.99% the prior quarter.
Data Collection Period and Limitations
This report was compiled on September 9, 2026 from the most recent public releases then available. The foreclosure filing figures are monthly and quarterly, so the newest month is always the most relevant. The key periods covered are:
- Full year 2025 (ATTOM Data Solutions year-end report)
- First half of 2026 (ATTOM mid-year report)
- Monthly filings for May, June, and July 2026 (ATTOM monthly reports)
- Fourth quarter 2025 (MBA National Delinquency Survey, the most recent quarter available)
- Late 2025 through mid-2026 (CoreLogic/Cotality delinquency reports)
Limitations: A foreclosure "start" (or filing) is not the same as a completed foreclosure sale. Many filings are resolved through reinstatement, loan modification, short sale, or other means before an auction. County figures vary from month to month and are not all published with the same frequency. National delinquency rates are published with no state-level breakdown in several releases, so where Florida-specific figures are not available, we identify the national figure and note that Florida has not published a separate rate in that release.
National vs. Florida: How the State Compares
Florida's foreclosure activity has outpaced the nation for most of 2025 and 2026. In 2025, Florida recorded 34,336 foreclosure starts, the second-highest total in the United States behind Texas, and it had the highest foreclosure rate for the year at roughly 0.44% of residential properties, about 1 in 230 housing units (ATTOM).
Nationally, 367,460 properties received a foreclosure filing in 2025, up 14% from 2024, including 289,441 starts and 46,439 bank repossessions (ATTOM).
Into 2026, the national total continued to climb. Foreclosure filings in the first quarter of 2026 rose about 26% year over year to roughly 118,700 properties, the highest quarterly total in six years. Florida posted the nation's highest or near-highest state foreclosure rate through the first half of 2026, with about 20,358 starts and a rate of about 0.27% of housing units, roughly 1 in 370 (ATTOM mid-year). Florida's bank repossessions in the first quarter of 2026 jumped about 108% year over year, from 487 to 1,014 (ATTOM).
Within Florida, the Miami metro led the state with 8,936 starts in 2025, and the Orlando metro has ranked among the top-20 worst large metros, at about No. 17 in the first quarter of 2026 (ATTOM).
Recent Trends: What the Latest Numbers Show
ATTOM's monthly reports show Florida with the highest foreclosure rate in the country throughout much of 2026. Monthly figures in mid-2026 included:
| Month (2026) | Florida activity | Rate (housing units) |
|---|---|---|
| May | About 3,315 starts | 1 in 2,110 |
| June | About 4,871 filings | 1 in 2,106 |
| July | About 4,596 filings | 1 in 2,232 |
These monthly rate figures (a lower number means a higher rate, because it reflects one filing per fewer housing units) illustrate how Florida has consistently led the nation. It is worth repeating that a filing is not a completed foreclosure. Many homeowners resolve their situation before an auction.
Mortgage Delinquency Rates
Delinquency rates measure homeowners who have fallen behind on payments, which is an early signal of future foreclosure risk. The most recent national data, from the Mortgage Bankers Association's fourth-quarter 2025 National Delinquency Survey, showed the overall national delinquency rate at 4.26%, up from 3.99% the prior quarter:
| Bucket | National rate (Q4 2025, MBA) |
|---|---|
| 30 days past due | 2.07% |
| 60 days past due | 0.92% |
| 90 days or more | 1.27% |
| Seriously delinquent (90+ including foreclosure) | 1.85% |
CoreLogic (now Cotality) reported a national 30-plus-day delinquency rate around 3.0% in late 2025, with serious delinquencies (90 or more days past due) rising from about 1.0% in March 2025 to roughly 1.2% by March 2026, and foreclosure inventory at a six-year high of about 0.4%.
A note on state data: Neither the MBA nor CoreLogic published a separate Florida-specific delinquency rate in the releases reviewed for this report. Florida appears only in broader trend commentary, such as rising foreclosure activity tied to earlier increases in serious delinquencies. We have not invented a Florida delinquency figure.
County-by-County Foreclosure Data
ATTOM's monthly and mid-year reports rank Florida counties by foreclosure rate and volume. The most frequently cited Central Florida counties and what the most recent data shows:
| County | What the latest data shows |
|---|---|
| Polk | Repeatedly ranked among Florida's top counties by foreclosure rate in mid-2026 (ATTOM). Lakeland had the nation's highest county rate in 2024 at about 1 in 172 homes. |
| Osceola | Named among the top counties in Central Florida and statewide in ATTOM's July 2026 report, tied to cost-of-living pressures. |
| Orange | Central Florida's largest county by population. Monthly foreclosure auctions in early 2026 ran roughly 157 to 229. Listing aggregators show a sizable active inventory. |
| Volusia | Consistent active foreclosure inventory; listing aggregators estimate roughly 11,300 to 13,100 current listings. Specific monthly filing rates were not separately published in the sources reviewed. |
| Brevard | ATTOM's 2025 year-to-date data showed about 198 foreclosure filings in Brevard. Listing aggregators estimate roughly 10,500 to 12,500 current listings. |
| Seminole | ATTOM's 2025 year-to-date data showed about 327 foreclosure filings in Seminole, a lower rate than several surrounding counties. |
| Lake | A growing county in Central Florida. No specific county filing figure was confirmed in the sources reviewed for this run, so we have not listed one. |
How to read this table: ATTOM updates county rankings monthly, and listing-aggregator counts are approximations that change daily. Figures from different periods should not be directly compared as if they measured the same thing. For the most current county figure in your area, check the county clerk of court's foreclosure records or the latest ATTOM monthly report.
Related: See our county resources for Orange, Seminole, Osceola, Lake, Volusia, Polk, and Brevard counties.
What the Numbers Mean for Homeowners
It is easy to read these numbers and feel alarmed. But the statistics tell a broader story that is important to understand clearly:
- A filing is not a finished foreclosure. Every month, thousands of Florida homeowners face a filing and then resolve it through reinstatement, a loan modification, a short sale, a deed in lieu, or another option. The filing count measures cases that begin, not homes that are lost.
- You are not alone. Florida's high rate means many of your neighbors are navigating the same situation. There is no shame in seeking help, and there are professionals and free counselors who work on this every day.
- Acting early widens your options. The earlier you contact your mortgage servicer or a HUD-approved housing counselor, the more loss-mitigation and sale options are realistically available to you. As a foreclosure advances toward an auction date, the window narrows.
- Delinquency often precedes filing. The national delinquency data in this report shows why it helps to reach out as soon as you miss a payment, before a delinquency becomes a foreclosure filing.
If these numbers describe your situation, the practical first step is to call your mortgage servicer about loss mitigation and to speak with a HUD-approved housing counselor. Both are free, and both are where a realistic plan starts.
Government Assistance Programs and Resources
Program availability changes, so here is the current status of the main Florida resources as of this report:
Florida Homeowner Assistance Fund (HAF)
The Florida HAF, run by Florida Commerce, was created with Florida's $676 million federal allocation to help homeowners with past-due mortgage payments, property taxes, insurance, HOA fees, and utilities after a hardship dating to January 21, 2020, for households at or below 150% of area median income. It stopped taking new applications in August 2022, and most funds are now exhausted. Florida Commerce reported in May 2026 that the program awarded more assistance than any other state. The program is scheduled to end in September 2026. HAF hotline: 1-833-987-8997.
Florida Hardest-Hit Fund
All Hardest-Hit Fund programs (including Mortgage Loan Reinstatement and Principal Reduction) are closed, with no new applications accepted.
Loss Mitigation Through Your Servicer
This is the primary path available today. Contact your mortgage servicer to ask about forbearance, a loan modification, a repayment plan, or reinstatement. Borrowers with FHA-insured loans have specific FHA loss-mitigation options available through their servicer.
HUD-Approved Housing Counseling
Free, HUD-approved housing counselors help with mortgage-default resolution and foreclosure prevention. Find one at hud.gov or call HUD's Housing Counseling referral line at 1-800-569-4287.
My Safe Florida Home (not a mortgage program)
My Safe Florida Home is a hurricane-hardening grant program, not a mortgage-hardship program. It provides a free wind-mitigation inspection and matching grants up to $10,000 for impact windows, doors, shutters, and roof upgrades. It reopened to applications in August 2025 with $280 million for the 2025-2026 fiscal year. It does not pay your mortgage, but it can help lower insurance costs over time.
Related: More on Florida homeowner assistance programs and My Safe Florida Home.
Frequently Asked Questions
How current is this data?
This report was compiled September 9, 2026 from the most recent public releases then available. The newest foreclosure filing figures are from July 2026 (ATTOM), and the newest national delinquency figures are from the fourth quarter of 2025 (MBA) and mid-2026 (CoreLogic/Cotality).
Does a foreclosure filing mean I will lose my home?
No. A filing begins a legal process, but many filings are resolved before an auction through reinstatement, a loan modification, a short sale, a deed in lieu of foreclosure, or another option. Acting early gives you the most choices.
Why is Florida's foreclosure rate so high?
Analysts point to a combination of factors, including rising homeowners insurance costs, higher property taxes and HOA fees, higher interest rates on adjustable mortgages, and the wind-down of pandemic-era forbearance. Florida's judicial process also means cases appear in court records for longer than in non-judicial states.
What is the difference between a foreclosure start and a foreclosure sale?
A start (or filing) is the beginning of the foreclosure process, such as a lender filing a notice or lawsuit. A sale (or auction) is the point where the property is actually sold. Far fewer filings reach a completed sale. The "1 in X" rates in this report refer to filings, not completed sales.
Where can I get free help right now?
Call your mortgage servicer about loss mitigation and contact a HUD-approved housing counselor (hud.gov or 1-800-569-4287). You can also request a free consultation with us below.
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Sources and Further Reading
- ATTOM Data Solutions: 2025 Year-End Foreclosure Market Report (2025 data, published early 2026)
- ATTOM Data Solutions: 2026 Mid-Year Foreclosure Market Report (first half 2026)
- ATTOM Data Solutions: Q1 and March 2026 Foreclosure Market Report (Q1 2026)
- ATTOM Data Solutions: U.S. Foreclosure Rates by State, July 2026
- Mortgage Bankers Association: Mortgage Delinquencies Increase in the Fourth Quarter of 2025 (Q4 2025 National Delinquency Survey)
- Cotality (CoreLogic): U.S. Foreclosure Rate Reaches Six-Year High (March 2026 data)
- Florida Commerce: Florida Homeowner Assistance Fund Program Update (May 2026)
- Florida Housing Finance Corporation: Florida's Hardest-Hit Fund
- HUD: Florida Homeowners and Housing Counseling
- HUD: Housing Counseling
- Florida Trend: Florida Leads Nation in June Foreclosure Filings (July 2026)
- Spectrum News 13 Orlando: Florida Leads Nation in Foreclosure Filings (July 2026)
- Foreclosure Hub: All Foreclosure Resources
Last reviewed: September 9, 2026
This statistics page is reviewed and updated monthly to reflect the latest foreclosure and homeowner-distress data.