Residents in These States Are Most Likely to Face Eviction or Foreclosure

Eviction
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Editor's Note: This story originally appeared on Filterbuy.

When the economy spiraled down into a recession in 2020, the nation’s unemployment rate skyrocketed to 14.8% in April. A total of 22 million jobs were lost between January and April.

Amid a foundering economy and the uncertainty of a pandemic, millions of laid-off workers had to face another stark reality: how would they pay rent? The housing bubble of 2008 brought to mind the possibility of millions of homeowners defaulting on their mortgages, compounding the sting of an already painful recession.

Fortunately, the CARES Act helped divert what would undoubtedly be a flash flood of foreclosures and evictions by imposing moratorium provisions. Over time, those measures evolved and were extended (including through a recent Supreme Court decision to maintain a separate eviction moratorium issued by the Centers for Disease Control and Prevention), providing ongoing relief for homeowners and renters.

As a result, the number of foreclosures reached an all-time low, plunging to just 11,000 in the first quarter of 2021, a figure that the Federal Reserve Bank of New York said was “by far the lowest number of foreclosures we have seen since the beginning of our series in 1999.” However, the decline in foreclosures didn’t tell the whole story. While foreclosure numbers remained at unprecedented low levels due to moratoriums, renters and homeowners fell further behind on payments, according to the U.S. Census Bureau’s new Household Pulse Survey.

Census data collected between August 2020 and June 2021 shows that at any given time, about 6.6% of Americans were behind on their housing payments; and of those, 32.4% felt they were at risk of foreclosure or eviction in the coming months.

Notably, minority populations were at the greatest risk of both missing their housing payments and facing foreclosure or eviction. During that time period, 5.8% of non-Hispanic White adults reported falling behind on their rent or mortgage payments, compared to 12% of Asians, 14.4% of Hispanics, and 18.5% of Blacks.

Even with moratoriums in place, not all households met the criteria required to be eligible for such programs. Similar to payment status, non-Hispanic White and Asian residents were least likely to report eviction or foreclosure risk, while Hispanic and Black residents were the most likely.

States Most Likely to Face Eviction or Foreclosure

Foreclosure Homes
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At the state level, residents in the South and Midwest reported the highest rates of foreclosure or eviction risk. Forty-one percent of adults in Louisiana who were behind on their housing payments also felt they were at risk of eviction or foreclosure, with those in Wyoming, Nevada, New Mexico, and Oklahoma close behind. All five states were at least five percentage points higher than the national rate of 32.4%.

Meanwhile, the Northeast fared the best among all regions. Seven of the 10 states with the lowest eviction or foreclosure risk were located in the Northeast, with Vermont leading the way with a nationwide low of 23.4%.

To determine the states where residents are most likely to face eviction or foreclosure, researchers at Filterbuy analyzed data from the U.S. Census Bureau’s Household Pulse Survey. The researchers calculated the percentage of adults living in households behind on their rent or mortgage where eviction or foreclosure in the coming months was likely. The statistics shown are averages from August 2020 through June 2021. In the event of a tie, the state with the higher share of adults behind on their rent or mortgage payment was ranked higher.

The following are the states where residents are most likely to face eviction or foreclosure.

15. Iowa

Dubuque, Iowa
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  • Share of adults behind on payments at risk of eviction/foreclosure: 35.1%
  • Share of adults behind on rent/mortgage payments: 4.7%
  • Total adults behind on payments at risk of eviction/foreclosure: 38,093
  • Total adults behind on rent/mortgage payments: 110,604

14. Ohio

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  • Share of adults behind on payments at risk of eviction/foreclosure: 35.1%
  • Share of adults behind on rent/mortgage payments: 6.3%
  • Total adults behind on payments at risk of eviction/foreclosure: 200,969
  • Total adults behind on rent/mortgage payments: 558,584

13. Texas

Corpus Christi Texas
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  • Share of adults behind on payments at risk of eviction/foreclosure: 35.1%
  • Share of adults behind on rent/mortgage payments: 7.3%
  • Total adults behind on payments at risk of eviction/foreclosure: 555,763
  • Total adults behind on rent/mortgage payments: 1,557,612

12. Indiana

Indianapolis, Indiana
Alexey Stiop / Shutterstock.com
  • Share of adults behind on payments at risk of eviction/foreclosure: 35.6%
  • Share of adults behind on rent/mortgage payments: 6.2%
  • Total adults behind on payments at risk of eviction/foreclosure: 109,025
  • Total adults behind on rent/mortgage payments: 309,783

11. North Carolina

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  • Share of adults behind on payments at risk of eviction/foreclosure: 35.7%
  • Share of adults behind on rent/mortgage payments: 6.2%
  • Total adults behind on payments at risk of eviction/foreclosure: 177,934
  • Total adults behind on rent/mortgage payments: 499,571

10. Nebraska

Lincoln, Nebraska
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  • Share of adults behind on payments at risk of eviction/foreclosure: 35.9%
  • Share of adults behind on rent/mortgage payments: 4.5%
  • Total adults behind on payments at risk of eviction/foreclosure: 22,751
  • Total adults behind on rent/mortgage payments: 63,679

9. Tennessee

Kevin Ruck / Shutterstock.com
  • Share of adults behind on payments at risk of eviction/foreclosure: 36.0%
  • Share of adults behind on rent/mortgage payments: 6.2%
  • Total adults behind on payments at risk of eviction/foreclosure: 114,266
  • Total adults behind on rent/mortgage payments: 323,852

8. Oregon

Eugene, Oregon
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  • Share of adults behind on payments at risk of eviction/foreclosure: 36.5%
  • Share of adults behind on rent/mortgage payments: 5.6%
  • Total adults behind on payments at risk of eviction/foreclosure: 69,410
  • Total adults behind on rent/mortgage payments: 185,556

7. Mississippi

Jackson, Mississippi
Rex Wholster / Shutterstock.com
  • Share of adults behind on payments at risk of eviction/foreclosure: 37.0%
  • Share of adults behind on rent/mortgage payments: 7.4%
  • Total adults behind on payments at risk of eviction/foreclosure: 59,993
  • Total adults behind on rent/mortgage payments: 161,593

6. Georgia

Atlanta, Georgia homes
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  • Share of adults behind on payments at risk of eviction/foreclosure: 37.8%
  • Share of adults behind on rent/mortgage payments: 7.9%
  • Total adults behind on payments at risk of eviction/foreclosure: 244,102
  • Total adults behind on rent/mortgage payments: 629,117

5. Oklahoma

Oklahoma City, Oklahoma traffic highways
Gerson Repreza / Shutterstock.com
  • Share of adults behind on payments at risk of eviction/foreclosure: 37.8%
  • Share of adults behind on rent/mortgage payments: 6.3%
  • Total adults behind on payments at risk of eviction/foreclosure: 70,412
  • Total adults behind on rent/mortgage payments: 185,362

4. New Mexico

Santa Fe, New Mexico
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  • Share of adults behind on payments at risk of eviction/foreclosure: 38.0%
  • Share of adults behind on rent/mortgage payments: 6.7%
  • Total adults behind on payments at risk of eviction/foreclosure: 40,960
  • Total adults behind on rent/mortgage payments: 106,617

3. Nevada

Henderson, Nevada aerial photo
Khairil Azhar Junos / Shutterstock.com
  • Share of adults behind on payments at risk of eviction/foreclosure: 38.9%
  • Share of adults behind on rent/mortgage payments: 8.3%
  • Total adults behind on payments at risk of eviction/foreclosure: 76,840
  • Total adults behind on rent/mortgage payments: 200,206

2. Wyoming

Sheridan, Wyoming
Sandra Foyt / Shutterstock.com
  • Share of adults behind on payments at risk of eviction/foreclosure: 40.9%
  • Share of adults behind on rent/mortgage payments: 5.4%
  • Total adults behind on payments at risk of eviction/foreclosure: 9,877
  • Total adults behind on rent/mortgage payments: 23,627

1. Louisiana

Baton Rouge Louisiana
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  • Share of adults behind on payments at risk of eviction/foreclosure: 41.0%
  • Share of adults behind on rent/mortgage payments: 7.8%
  • Total adults behind on payments at risk of eviction/foreclosure: 110,241
  • Total adults behind on rent/mortgage payments: 267,943

Detailed Findings & Methodology

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The data used in this analysis is from the U.S. Census Bureau’s Household Pulse Survey. To determine the states where residents are most likely to face eviction or foreclosure, researchers calculated the percentage of adults living in households not current on their rent or mortgage where eviction or foreclosure in the next two months was self-reported to be either very likely or somewhat likely. The statistics shown are averages from August of 2020 through June of 2021. In the event of a tie, the state with the higher share of adults behind on their rent or mortgage payment was ranked higher.

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