Last updated: June 5, 2026 · Reviewed quarterly · How to cite this page
This page tracks foreclosure activity in Florida and the Jacksonville area using primary sources — ATTOM's national foreclosure reports, Freddie Mac's weekly rate survey, the Northeast Florida Association of Realtors (NEFAR), and Florida insurance-market reporting. We keep it current so homeowners, journalists, and researchers have one reliable place for the numbers. Every figure links to its source.
National Foreclosure Trends (2026)
Foreclosure activity in the United States is rising steadily off its pandemic-era lows, though it remains well below 2008–2010 crisis levels. According to ATTOM's Q1 2026 Foreclosure Market Report:
- 118,727 U.S. properties had a foreclosure filing in Q1 2026 — up 6% from the prior quarter and 26% from Q1 2025.
- In April 2026, 42,430 properties had filings — down 8% from March but up 18% year-over-year, what ATTOM calls a “gradual annual climb.”
- Analysts describe this as a normalization: foreclosure process timelines that were paused or backlogged during 2020–2022 are working through the courts, while elevated rates and insurance costs add new pressure.
Florida Foreclosure Statistics
Florida consistently ranks among the top states for foreclosure activity — both by rate and by volume. From ATTOM Q1 2026 and ATTOM's state-rate tracking:
- 1 in every 750 Florida housing units had a foreclosure filing in Q1 2026 — among the highest rates in the nation, alongside Indiana and South Carolina.
- Florida recorded 10,099 foreclosure starts in Q1 2026 — the second-highest of any state, behind only Texas.
- Florida bank repossessions (REOs) more than doubled year-over-year: 487 in Q1 2025 → 1,014 in Q1 2026.
- In April 2026 alone, Florida had 381 REOs — third-most in the nation after Texas and California.
Why is Florida elevated? Three structural reasons: it is a judicial foreclosure state (every foreclosure goes through court, creating long, visible pipelines), it has outsized exposure to insurance-cost shock (see below), and its population growth means simply more mortgaged homes than most states.
Mortgage Rate Context
Per Freddie Mac's Primary Mortgage Market Survey (week of June 4, 2026): the 30-year fixed averaged 6.48% (down from 6.53% the prior week; 6.85% a year earlier) and the 15-year fixed averaged 5.79%. Rates in the mid-6s matter for foreclosure trends in two ways: homeowners who locked sub-4% pandemic rates can rarely refinance their way out of trouble, and elevated payments stretch new buyers thin — so loan modifications and partial claims, not refis, are doing the heavy lifting in loss mitigation.
Jacksonville & Northeast Florida Market Snapshot
Per the Northeast Florida Association of Realtors (April 2026 data, the most recent published):
- Median sale price: $368,750 (up 0.2% month-over-month; prices holding near spring highs)
- Inventory: roughly 3.9–4 months of supply — the most balanced Northeast Florida market in years
- Average days on market: 36 days in April (fastest pace of the year)
Foreclosure case filings for Duval County are public record and can be verified through the Duval County Clerk of Courts. Florida's judicial process means a typical case runs many months from first missed payment to auction — time a homeowner can use. Our guide to options when you're behind on payments walks through every path.
The Insurance Factor
Florida's property-insurance crisis has become a direct driver of housing distress. Current reporting from Florida Realtors and Insurance Journal:
- Typical Florida premiums run roughly $5,800–$7,200/year — about 3–4× the national average.
- Relief is starting: 18 new property insurers have entered Florida, Citizens Property Insurance's policy count is down about 50% since 2024, and Citizens policyholders are expected to see an average 8.7% rate decrease later this year.
- The condo market remains the stress point: roughly 13.2 months of statewide supply, prices down 6.1% year-over-year, and lenders tightening “warrantability” standards on buildings without adequate insurance and reserves.
For homeowners, the practical effect is that an escrow payment can jump hundreds of dollars a month even when the mortgage itself never changed — we wrote about how that pushes paid-on-time owners into default in Florida's Insurance Crisis Is Now a Leading Cause of Foreclosure.
Using These Numbers
You're welcome to cite any figure on this page with attribution and a link — e.g., “per We Buy Any House In Florida's Florida Foreclosure Statistics tracker.” All third-party figures should also credit their original source (ATTOM, Freddie Mac, NEFAR, Florida Realtors, Insurance Journal), which are linked inline. This page is reviewed and updated quarterly, or when major new reports publish. Questions about the data, or a journalist on deadline? Call or text 904-606-9163 — we're local and happy to add Jacksonville context.
Sources
- ATTOM — Q1 2026 U.S. Foreclosure Market Report (April 2026)
- ATTOM — April 2026 Foreclosure Activity (May 2026)
- ATTOM — U.S. Foreclosure Rates by State (April 2026)
- Freddie Mac — Primary Mortgage Market Survey (June 4, 2026)
- NEFAR — Northeast Florida Market Statistics (April 2026)
- Florida Realtors — Insurance Trends Shift Toward Relief (April 2026)
- Insurance Journal — Three New HO Carriers and an Improving Condo Market (May 21, 2026)
- Duval County Clerk of Courts — Foreclosure Records
- HUD — Avoiding Foreclosure (free counseling: 800-569-4287)
This page is general information, not legal or financial advice. Figures belong to their original publishers and may be revised by them. Chris Moore is a licensed Florida real estate agent (Momentum Realty, License #SL3389080).