Facing Foreclosure in Florida? What the Latest ATTOM Data Reveals for 2026

Foreclosure activity nationwide has been increasing — and Florida stands out. According to the most recent foreclosure data from ATTOM (released January 16, 2026), Florida ranked among the states with the highest foreclosure rates in the U.S. in December 2025.

Understanding these trends can help homeowners make informed decisions — whether you’re facing financial challenges or simply watching market conditions.

Florida’s Foreclosure Rate: What the Latest Data Shows

In December 2025, Florida recorded:

• 1 in every 2,119 housing units had a foreclosure filing — placing it in the top five states with the highest rates in the nation.

This continues a broader trend where foreclosure activity has been rising year-over-year, with national filings trending upward since late 2024.

While this number may look concerning, it’s important to remember that foreclosure rates nationwide — including in Florida — remain well below the peaks seen during historic downturns like the 2008 financial crisis. What’s different today is the cause of rising filings rather than the scale.

Why Are Florida Foreclosure Rates Rising?

Several key factors are contributing to elevated foreclosure activity in Florida:

1. Rising Homeownership Costs
Insurance premiums, property taxes, and maintenance costs have risen significantly in parts of the state, especially in coastal and hurricane-prone regions.

2. Higher Mortgage Rates & Monthly Payments
Many homeowners who purchased in recent years — or who have adjustable-rate mortgages — are seeing increases in monthly payments as interest rates remain higher than the lows seen earlier in the decade.

3. Softening Demand & Longer Time on Market
Growing inventory and slower price growth in some markets make it harder for distressed homeowners to sell quickly before foreclosure becomes imminent.

As a result, what we’re seeing is not a sudden crash, but rather a normalization of foreclosure activity as market pressures shift and affordability challenges grow.

How Foreclosure Activity Affects Floridians

For Homeowners:
If you’re concerned about missing payments, the earlier you take action, the better. You may have options such as loan modification, forbearance, selling before foreclosure, or working with a professional to understand all legal alternatives.

For Buyers & Investors:
Elevated foreclosure activity can lead to a small increase in distressed property opportunities. However, buying a foreclosure or pre-foreclosure requires careful due diligence — from title research to repair costs and market timing.

For the Broader Market:
Regions with higher foreclosure rates can experience slower price growth, longer sell times, and greater negotiation leverage for informed buyers.

What You Can Do Next

Staying informed is the first step. If you’re a Florida homeowner feeling financial strain, or simply want to be prepared, consider:

✔ Monitoring foreclosure filings in your county
✔ Understanding your mortgage terms and options
✔ Consulting with a trusted real estate professional

Foreclosure doesn’t have to be a foregone conclusion — early action can save both equity and credit.

Watch for My Foreclosure Workshops

To help Floridians navigate these challenges, I host foreclosure education workshops designed to empower homeowners with clear information and actionable steps.

Topics Covered:

• How the foreclosure process works in Florida

• Early warning signs to look out for

• Legal and financial options to avoid foreclosure

• When selling or refinancing makes sense

Stay tuned for upcoming workshop dates and registration details.
Seats are limited, so be sure to sign up when dates are announced!