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.

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

Mortgage delinquency rate in Q1 2026: 10.38%

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

1. Alaska
   

Mortgage delinquency rate in Q1 2026: 6.00%

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

1. Alabama
   

Mortgage delinquency rate in Q1 2026: 10.85%

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

1. Nevada
   

Mortgage delinquency rate in Q1 2026: 5.81%

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

1. Tennessee
   

Mortgage delinquency rate in Q1 2026: 9.21%

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

1. Oregon
   

Mortgage delinquency rate in Q1 2026: 4.95%

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

1. Illinois
   

Mortgage delinquency rate in Q1 2026: 6.97%

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

1. California
   

Mortgage delinquency rate in Q1 2026: 4.81%

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

1. Rhode Island
   

Mortgage delinquency rate in Q1 2026: 7.34%

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

1. North Carolina
   

Mortgage delinquency rate in Q1 2026: 8.57%

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

1. Idaho
   

Mortgage delinquency rate in Q1 2026: 6.12%

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

1. Texas
   

Mortgage delinquency rate in Q1 2026: 9.44%

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

1. Colorado
   

Mortgage delinquency rate in Q1 2026: 5.02%

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

1. New Hampshire
   

Mortgage delinquency rate in Q1 2026: 6.25%

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

1. Connecticut
   

Mortgage delinquency rate in Q1 2026: 8.00%

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

1. Montana
   

Mortgage delinquency rate in Q1 2026: 5.33%

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

1. Florida
   

Mortgage delinquency rate in Q1 2026: 7.05%

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

1. Louisiana
   

Mortgage delinquency rate in Q1 2026: 14.33%

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

1. Delaware
   

Mortgage delinquency rate in Q1 2026: 8.35%

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

1. Vermont
   

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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