Foreclosure risk by city
Foreclosure risk rises when affordability stretches and incomes lag. This ranks the U.S. cities by a composite risk index — higher = more sellers facing distress.
Last updated
Top 25 nationally
| # | City | State | Risk index | Score | |
|---|---|---|---|---|---|
| 1 | Los Angeles | CA | 100 / 100 | 100 | View |
| 2 | San Diego | CA | 99 / 100 | 99 | View |
| 3 | San Jose | CA | 99 / 100 | 99 | View |
| 4 | Denver | CO | 99 / 100 | 99 | View |
| 5 | San Francisco | CA | 98 / 100 | 98 | View |
| 6 | Sacramento | CA | 98 / 100 | 98 | View |
| 7 | Seattle | WA | 98 / 100 | 98 | View |
| 8 | Fresno | CA | 97 / 100 | 97 | View |
| 9 | Bakersfield | CA | 97 / 100 | 97 | View |
| 10 | Long Beach | CA | 97 / 100 | 97 | View |
| 11 | Colorado Springs | CO | 97 / 100 | 97 | View |
| 12 | Washington | DC | 97 / 100 | 97 | View |
| 13 | Bronx | NY | 97 / 100 | 97 | View |
| 14 | Riverside | CA | 96 / 100 | 96 | View |
| 15 | Oakland | CA | 96 / 100 | 96 | View |
| 16 | Stockton | CA | 96 / 100 | 96 | View |
| 17 | Anaheim | CA | 96 / 100 | 96 | View |
| 18 | Santa Ana | CA | 96 / 100 | 96 | View |
| 19 | Honolulu | HI | 96 / 100 | 96 | View |
| 20 | Spokane | WA | 96 / 100 | 96 | View |
| 21 | Tacoma | WA | 96 / 100 | 96 | View |
| 22 | Modesto | CA | 95 / 100 | 95 | View |
| 23 | Corona | CA | 95 / 100 | 95 | View |
| 24 | Chula Vista | CA | 95 / 100 | 95 | View |
| 25 | San Bernardino | CA | 95 / 100 | 95 | View |
By state
Top picks within each state. Click through for the full state-level ranking.
Alabama
AL- 1. Birmingham47 / 100
- 2. Mobile45 / 100
- 3. Montgomery44 / 100
Alaska
AK- 1. Anchorage62 / 100
- 2. Fairbanks58 / 100
- 3. Wasilla57 / 100
Arizona
AZ- 1. Phoenix86 / 100
- 2. Tucson81 / 100
- 3. Mesa76 / 100
Arkansas
AR- 1. Little Rock40 / 100
- 2. Fayetteville35 / 100
- 3. Fort Smith35 / 100
California
CA- 1. Los Angeles100 / 100
- 2. San Diego99 / 100
- 3. San Jose99 / 100
Colorado
CO- 1. Denver99 / 100
- 2. Colorado Springs97 / 100
- 3. Aurora94 / 100
Connecticut
CT- 1. Waterbury71 / 100
- 2. Bridgeport68 / 100
- 3. New Haven68 / 100
Delaware
DE- 1. Newark63 / 100
- 2. Wilmington61 / 100
- 3. Dover57 / 100
Florida
FL- 1. Miami83 / 100
- 2. Orlando78 / 100
- 3. Jacksonville78 / 100
Georgia
GA- 1. Atlanta67 / 100
- 2. Marietta61 / 100
- 3. Savannah61 / 100
Hawaii
HI- 1. Honolulu96 / 100
- 2. Waipahu91 / 100
- 3. Ewa Beach91 / 100
Idaho
ID- 1. Boise80 / 100
- 2. Nampa77 / 100
- 3. Idaho Falls77 / 100
Illinois
IL- 1. Chicago60 / 100
- 2. East Saint Louis58 / 100
- 3. Rockford50 / 100
Indiana
IN- 1. Indianapolis53 / 100
- 2. Fort Wayne48 / 100
- 3. Gary48 / 100
Iowa
IA- 1. Des Moines43 / 100
- 2. Cedar Rapids42 / 100
- 3. Davenport41 / 100
Kansas
KS- 1. Wichita46 / 100
- 2. Kansas City45 / 100
- 3. Topeka44 / 100
Kentucky
KY- 1. Louisville47 / 100
- 2. Lexington43 / 100
- 3. Bowling Green40 / 100
Louisiana
LA- 1. New Orleans42 / 100
- 2. Baton Rouge41 / 100
- 3. Shreveport40 / 100
Maine
ME- 1. Portland62 / 100
- 2. Bangor61 / 100
- 3. Lewiston61 / 100
Maryland
MD- 1. Baltimore80 / 100
- 2. Hyattsville72 / 100
- 3. Silver Spring68 / 100
Massachusetts
MA- 1. Worcester94 / 100
- 2. Springfield93 / 100
- 3. Lowell92 / 100
Michigan
MI- 1. Detroit73 / 100
- 2. Flint55 / 100
- 3. Hamtramck50 / 100
Minnesota
MN- 1. Minneapolis70 / 100
- 2. Saint Paul67 / 100
- 3. Rochester59 / 100
Mississippi
MS- 1. Jackson36 / 100
- 2. Gulfport32 / 100
- 3. Hattiesburg32 / 100
Missouri
MO- 1. Saint Louis53 / 100
- 2. Kansas City51 / 100
- 3. Springfield47 / 100
Montana
MT- 1. Billings80 / 100
- 2. Missoula74 / 100
- 3. Great Falls74 / 100
Nebraska
NE- 1. Omaha50 / 100
- 2. Lincoln47 / 100
- 3. Bellevue40 / 100
Nevada
NV- 1. Las Vegas92 / 100
- 2. Reno80 / 100
- 3. Henderson80 / 100
New Hampshire
NH- 1. Manchester80 / 100
- 2. Nashua74 / 100
- 3. Concord73 / 100
New Jersey
NJ- 1. Newark95 / 100
- 2. Camden91 / 100
- 3. Trenton89 / 100
New Mexico
NM- 1. Albuquerque62 / 100
- 2. Sunland Park56 / 100
- 3. Las Cruces55 / 100
New York
NY- 1. Bronx97 / 100
- 2. Brooklyn94 / 100
- 3. Buffalo91 / 100
North Carolina
NC- 1. Charlotte67 / 100
- 2. Raleigh66 / 100
- 3. Greensboro61 / 100
North Dakota
ND- 1. Fargo47 / 100
- 2. Bismarck44 / 100
- 3. Grand Forks42 / 100
Ohio
OH- 1. Cleveland55 / 100
- 2. Youngstown51 / 100
- 3. Cincinnati50 / 100
Oklahoma
OK- 1. Oklahoma City45 / 100
- 2. Tulsa42 / 100
- 3. Broken Arrow38 / 100
Oregon
OR- 1. Portland90 / 100
- 2. Salem83 / 100
- 3. Eugene82 / 100
Pennsylvania
PA- 1. Philadelphia60 / 100
- 2. Pittsburgh56 / 100
- 3. Reading50 / 100
Puerto Rico
PR- 1. Ponce93 / 100
- 2. Bayamon85 / 100
- 3. Mayaguez85 / 100
Rhode Island
RI- 1. Providence81 / 100
- 2. Warwick73 / 100
- 3. Pawtucket73 / 100
South Carolina
SC- 1. Columbia55 / 100
- 2. Greenville54 / 100
- 3. Charleston54 / 100
South Dakota
SD- 1. Sioux Falls52 / 100
- 2. Rapid City47 / 100
- 3. Aberdeen44 / 100
Tennessee
TN- 1. Memphis64 / 100
- 2. Nashville60 / 100
- 3. Knoxville60 / 100
Texas
TX- 1. Houston66 / 100
- 2. San Antonio66 / 100
- 3. Dallas65 / 100
Utah
UT- 1. Salt Lake City94 / 100
- 2. Ogden87 / 100
- 3. West Jordan85 / 100
Vermont
VT- 1. Burlington59 / 100
- 2. Rutland53 / 100
- 3. Essex Junction53 / 100
Virginia
VA- 1. Virginia Beach71 / 100
- 2. Richmond71 / 100
- 3. Norfolk70 / 100
Washington
WA- 1. Seattle98 / 100
- 2. Spokane96 / 100
- 3. Tacoma96 / 100
Washington D.C.
DC- 1. Washington97 / 100
West Virginia
WV- 1. Charleston33 / 100
- 2. Morgantown32 / 100
- 3. Huntington32 / 100
Wisconsin
WI- 1. Milwaukee60 / 100
- 2. Madison55 / 100
- 3. Green Bay54 / 100
Wyoming
WY- 1. Cheyenne56 / 100
- 2. Casper56 / 100
- 3. Gillette54 / 100
Methodology
Risk index = 60% affordability stress (home value ÷ income) + 40% market size weighting. Higher = more total distressed sellers in absolute terms.
FAQ
- Where does foreclosure data come from for the U.S.?
- This is a directional index built from affordability and population — not a property-level filings count. Use county records for filings.
- I'm facing foreclosure — what now?
- Submit your address; we'll connect you to a buyer who can close before the auction date.
- Does this measure actual filings?
- No. It estimates relative risk to compare markets side-by-side.
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