Special Report

States Where the Most People Are Behind on Mortgage Payments

Methodology

To identify how many people in each state are behind on mortgage payments, 24/7 Wall St. reviewed data from the nonprofit Urban Institute’s Credit Health During the COVID-19 Pandemic report. We ranked states by their mortgage delinquency rate — the share of mortgage holders who are behind on their mortgage payments by 30 days or more — as of October 2020, the latest available data.

Additional data from the Urban Institute, also from October 2020, includes the share of people with a credit bureau record of a subprime credit score (equal to or less than 600). The Urban Institute dataset contains information derived from de-identified, consumer-level records from a major nationwide credit bureau. 

24/7 Wall St. added annual estimates of median household income, Homeownership rate, and median home value from the Census Bureau’s 2019 American Community Survey.

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