---
title: US Foreclosures Rose Again in July but Stayed Near Historic Lows
description: US foreclosure filings rose 10% year over year in July 2026 but remain historically low, with distress concentrated in a few states and FHA and VA loans.
author: Darie Nani (Editor-in-Chief)
date: 2026-08-28T12:00:00.000Z
updated: 2026-08-28T13:56:00.966Z
canonical: https://richdadmagazine.com/article/us-foreclosures-july-2026-still-historic-lows
image: https://cdn.nanimediahouse.com/pexels-view-of-the-famous-painted-ladies-with-san-francisco-skyline-37186345.jpg
categories: Real Estate
content_type: News
region: United States
publication: Rich Dad Magazine
access: members
schema_type: Article
---

Foreclosure filings went up again in July, and the year-over-year number looks steep at first glance. ATTOM, the property data firm, reported 39,906 U.S. homes with a foreclosure filing in July 2026, counting default notices, scheduled auctions, and bank repossessions. That was up 1% from June and up 10% from a year earlier.

That increase is rising off a very low floor. For most of the years since 2020, foreclosure activity was held down by pandemic-era protections and forbearance programs, which kept filings far below normal. The increases showing up now are largely a return toward that normal level, not a swing back toward 2008. Nationally, just 1 in every 3,603 housing units had a foreclosure filing in July, still a small slice of the market.

The mid-year picture tells the same story. ATTOM counted 227,548 properties with foreclosure filings in the first half of 2026, up 21% from the same stretch of 2025, and described the shift as [normalizing levels of mortgage distress](https://www.housingwire.com/articles/us-foreclosures-rise-2026-midyear-attom-report/) rather than a fresh emergency. The average foreclosure now takes 563 days to work through the system, the lowest on record. In a real crisis, backlogs stretch those timelines out; they do not shorten them.

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