The 20 states where people are having the most trouble paying for their homes

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The 20 states where people are having the most trouble paying for their homes
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6a10ad8451ede568c7e17bd9?format=jpeg The 20 states where people are having the most trouble paying for their homes
  • WalletHub ranked US states based on mortgage delinquency.
  • Its list shows which states had the biggest increases in delinquent mortgages between 2025 and 2026.
  • Vermont and Delaware had the highest increases, the analysis found.

Whatever the reasons, some homeowners are failing to pay their mortgage payments on time. When a payment is at least 30 days late, it’s reported to the credit bureaus as delinquent.

A WalletHub study released this month ranked the 50 US states by where delinquent mortgages increased the most from Q4 2025 to Q1 2026.

It identified each state’s share of the average number of delinquent loans in the first quarter of 2026 — that is, the state’s mortgage delinquency rate — and calculated how much the number of delinquent mortgages changed from the previous quarter. The study used data collected in April from WalletHub’s own database.

Some states saw decreases in delinquent mortgages from the end of 2025 to the beginning of 2026, with Wyoming the only state to record a double-digit decrease, at 14.41%. Nebraska and Mississippi followed, with decreases of 7.88% and 4.27%, respectively.

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Most states weren’t as lucky, however, and reported increases in delinquent mortgages.

See the 20 states with the highest mortgage delinquency increases, per WalletHub’s study.

20. South Carolina

6a1092a151ede568c7e1798b?format=jpeg The 20 states where people are having the most trouble paying for their homes

Mortgage delinquency rate in Q1 2026: 10.38%

Increase in delinquent mortgage loans from Q4 2025 to Q1 2026: 1.63%

  1. Alaska
    6a1092fd7ff506e273e66bae?format=jpeg The 20 states where people are having the most trouble paying for their homes

Mortgage delinquency rate in Q1 2026: 6.00%

Increase in delinquent mortgage loans from Q4 2025 to Q1 2026: 1.94%

  1. Alabama
    6a10939e7ff506e273e66bc1?format=jpeg The 20 states where people are having the most trouble paying for their homes

Mortgage delinquency rate in Q1 2026: 10.85%

Increase in delinquent mortgage loans from Q4 2025 to Q1 2026: 2.04%

  1. Nevada
    6a10942f7ff506e273e66bc9?format=jpeg The 20 states where people are having the most trouble paying for their homes

Mortgage delinquency rate in Q1 2026: 5.81%

Increase in delinquent mortgage loans from Q4 2025 to Q1 2026: 2.07%

  1. Tennessee
    6a1094857ff506e273e66bcf?format=jpeg The 20 states where people are having the most trouble paying for their homes

Mortgage delinquency rate in Q1 2026: 9.21%

Increase in delinquent mortgage loans from Q4 2025 to Q1 2026: 2.08%

  1. Oregon
    6a1094da7ff506e273e66bd2?format=jpeg The 20 states where people are having the most trouble paying for their homes

Mortgage delinquency rate in Q1 2026: 4.95%

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Increase in delinquent mortgage loans from Q4 2025 to Q1 2026: 2.09%

  1. Illinois
    6a10952551ede568c7e179b6?format=jpeg The 20 states where people are having the most trouble paying for their homes

Mortgage delinquency rate in Q1 2026: 6.97%

Increase in delinquent mortgage loans from Q4 2025 to Q1 2026: 2.37%

  1. California
    6a10957f51ede568c7e179bb?format=jpeg The 20 states where people are having the most trouble paying for their homes

Mortgage delinquency rate in Q1 2026: 4.81%

Increase in delinquent mortgage loans from Q4 2025 to Q1 2026: 2.53%

  1. Rhode Island
    6a1095d1b1025a62a5c8638d?format=jpeg The 20 states where people are having the most trouble paying for their homes

Mortgage delinquency rate in Q1 2026: 7.34%

Increase in delinquent mortgage loans from Q4 2025 to Q1 2026: 2.55%

  1. North Carolina
    6a10a05cb1025a62a5c863f7?format=jpeg The 20 states where people are having the most trouble paying for their homes

Mortgage delinquency rate in Q1 2026: 8.57%

Increase in delinquent mortgage loans from Q4 2025 to Q1 2026: 2.70%

  1. Idaho
    6a10a0cc51ede568c7e17a3a?format=jpeg The 20 states where people are having the most trouble paying for their homes

Mortgage delinquency rate in Q1 2026: 6.12%

Increase in delinquent mortgage loans from Q4 2025 to Q1 2026: 2.83%

  1. Texas
    6a10a15db1025a62a5c86400?format=jpeg The 20 states where people are having the most trouble paying for their homes

Mortgage delinquency rate in Q1 2026: 9.44%

Increase in delinquent mortgage loans from Q4 2025 to Q1 2026: 2.97%

  1. Colorado
    6a10a198b1025a62a5c86408?format=jpeg The 20 states where people are having the most trouble paying for their homes

Mortgage delinquency rate in Q1 2026: 5.02%

Increase in delinquent mortgage loans from Q4 2025 to Q1 2026: 3.29%

  1. New Hampshire
    6a10a1da7ff506e273e66c77?format=jpeg The 20 states where people are having the most trouble paying for their homes

Mortgage delinquency rate in Q1 2026: 6.25%

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Increase in delinquent mortgage loans from Q4 2025 to Q1 2026: 3.30%

  1. Connecticut
    6a10a24ab1025a62a5c86415?format=jpeg The 20 states where people are having the most trouble paying for their homes

Mortgage delinquency rate in Q1 2026: 8.00%

Increase in delinquent mortgage loans from Q4 2025 to Q1 2026: 3.38%

  1. Montana
    6a10a30e7ff506e273e66c85?format=jpeg The 20 states where people are having the most trouble paying for their homes

Mortgage delinquency rate in Q1 2026: 5.33%

Increase in delinquent mortgage loans from Q4 2025 to Q1 2026: 3.71%

  1. Florida
    6a10a36d51ede568c7e17a6d?format=jpeg The 20 states where people are having the most trouble paying for their homes

Mortgage delinquency rate in Q1 2026: 7.05%

Increase in delinquent mortgage loans from Q4 2025 to Q1 2026: 3.87%

  1. Louisiana
    6a10a3bbb1025a62a5c8642f?format=jpeg The 20 states where people are having the most trouble paying for their homes

Mortgage delinquency rate in Q1 2026: 14.33%

Increase in delinquent mortgage loans from Q4 2025 to Q1 2026: 4.40%

  1. Delaware
    6a10a415b1025a62a5c8643d?format=jpeg The 20 states where people are having the most trouble paying for their homes

Mortgage delinquency rate in Q1 2026: 8.35%

Increase in delinquent mortgage loans from Q4 2025 to Q1 2026: 6.92%

  1. Vermont
    6a10a49bb1025a62a5c86451?format=jpeg The 20 states where people are having the most trouble paying for their homes

Mortgage delinquency rate in Q1 2026: 5.81%

Increase in delinquent mortgage loans from Q4 2025 to Q1 2026: 12.32%

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