Report: Florida ranks No. 2 in statewide foreclosure pressure

The Florida economy in many ways is rolling, something the Florida Chamber of Commerce has been pointing out early and often in 2026; the chamber, for one, recently predicted the state’s GDP growth in 2026 will solidly outpace the nation.

While not disputing that, a new study of foreclosure pressure per state finds Florida in an unenviable position: it’s No. 2 in the country for states facing the highest foreclosure risk. California, some 3,000 miles away and an even further distance in economic policies and philosophies, is No. 1. 

The report, from Tacoma, Washington-based Kind House Buyers, says 37.7% of Florida homeowners are cost-burdened, and one in every 1,829 housing units faces foreclosure.

Kind House Buyers, which says it helps homeowners sell homes “quickly and with ease,” produced the report, combining state-level foreclosure rates with housing cost burden metrics to assess homeowner risk, according to a statement. Its Foreclosure Pressure Index highlights where homeowners face the greatest combined risk from both active foreclosure filings and underlying affordability strain, the release adds, “rather than looking at either factor in isolation.” ATTOM Data’s October 2025 Foreclosure by State report provided the foreclosure data and America’s Health Rankings provided the housing cost burden figures.

California had a Foreclosure Pressure Index of 97 out of 100. Florida scored a 95. Nevada at 91; New York at 90; and New Jersey at 89 rounded out the top five.

The report points out that foreclosure risk, in these and other states, is a multipronged problem, not just about income. “Foreclosure risk doesn’t begin with missed payments,” a spokesperson for Kind House Buyers says in the release. “It starts with affordability. When housing consumes too much of a household’s income, even small disruptions can trigger a downward spiral. People shouldn’t ignore the warning sign that is at the top of this index.

“What’s especially concerning is that many of these states are economic powerhouses,” the spokesperson adds. “High incomes alone don’t protect homeowners when housing costs rise faster than wages.