Global Insights

U.S. Home Foreclosures Rise for 12 Consecutive Months: Is Real Estate Risk Accumulating Again?

In early 2026, US home foreclosure activity has increased year-over-year for 12 consecutive months, sparking market discussions on whether 'real estate risk is reaccumulating.' However, rising foreclosures do not automatically equate to a full-scale housing crisis; it is more a result of high interest rates, worsening affordability, pressure on high-risk loan groups like FHA, and weakening liquidity in local markets. Based on public information from ATTOM, ICE, CoreLogic, NAR, and Reuters, this article analyzes: what the rise in foreclosures truly means, why it is not yet a systemic crash like 2008, and the key risk signals investors should monitor in 2026.