State Foreclosure Timelines: 21 Judicial and 29 Non-Judicial Jurisdictions Compared
Compare state-specific process classifications, foreclosure timelines, notice and cure fields, mediation availability, and State Distress Index scores. Where ATTOM publishes a measured average for a state, the timeline shows it with its source; other states show no single figure. It isn't a countdown for any homeowner. Select 2–3 states below.
How Do State Foreclosure Timelines Compare?
This reference classifies 21 jurisdictions as judicial, 29 as non-judicial, and 1 as allowing or using both tracks. For 10 states it shows ATTOM's measured average for foreclosures completed in the second quarter of 2026. The rest have no single figure, because the federal waiting period and state notice periods can overlap; their state guides list each step with its own minimum. Nothing is averaged into a national figure.
Actual timing depends on the applicable law and process plus case-specific events such as notices, servicer conduct, loss mitigation, court scheduling, bankruptcy, and sale requirements. The state distress scores alongside the legal rows are separate aggregate indicators; the comparison does not show that a score causes or predicts a foreclosure duration.
Compare States
Select up to 3 states to compare their financial distress profiles and foreclosure-process fields.
How Do States Compare on Each Distress Domain?
Each axis shows one State Distress Index domain. Higher values indicate greater distress relative to other states. The shape of each state's profile tells you something the composite score cannot: whether distress is concentrated in one dimension or spread evenly.
What Are the State-Level Distress Scores?
Side-by-side comparison of State Distress Index scores. A state's score is the share of the 50 states and D.C. it is more distressed than.
How Long Does Foreclosure Take in Each Selected State?
Each bar is ATTOM's average for foreclosures that were completed, from the start of the process. A state ATTOM does not publish has no bar: we don't add up state notice periods into a total, because they can overlap the federal waiting period.
Which Foreclosure Features Do the Selected States Report?
Side-by-side reference to the selected states' mediation, cure, deficiency, and process fields. These fields do not form a complete protection ranking.
| Protection | — | — | — |
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All 51 Jurisdictions
Every jurisdiction's process type, foreclosure timeline and its basis, SDI score, and the SDI fifth the state falls in. The table is ordered by SDI rank, not by timeline. Click a row to add it to your comparison.
| State | Type | Foreclosure timeline | SDI Score | SDI Fifth | Mediation | Cure |
|---|---|---|---|---|---|---|
| Nevada | non-judicial | 1,507 days ATTOM average, Q2 2026 | 100 | Most distressed fifth | ✓ | ✓ |
| Louisiana | judicial | 3,491 days ATTOM average, Q2 2026 | 98 | Most distressed fifth | — | — |
| Florida | judicial | — | 96 | Most distressed fifth | — | ✓ |
| Texas | non-judicial | 155 days ATTOM average, Q2 2026 | 94 | Most distressed fifth | — | ✓ |
| Michigan | non-judicial | — | 92 | Most distressed fifth | — | — |
| Mississippi | non-judicial | — | 90 | Most distressed fifth | — | ✓ |
| Georgia | non-judicial | — | 88 | Most distressed fifth | — | ✓ |
| South Carolina | judicial | — | 86 | Most distressed fifth | — | — |
| Delaware | judicial | — | 84 | Most distressed fifth | ✓ | ✓ |
| California | non-judicial | — | 82 | Most distressed fifth | — | ✓ |
| New Mexico | judicial | — | 80 | Second-most distressed fifth | — | ✓ |
| Connecticut | judicial | 1,626 days ATTOM average, Q2 2026 | 78 | Second-most distressed fifth | ✓ | ✓ |
| Arizona | non-judicial | — | 76 | Second-most distressed fifth | — | ✓ |
| District of Columbia | non-judicial | — | 74 | Second-most distressed fifth | ✓ | ✓ |
| Alabama | non-judicial | — | 72 | Second-most distressed fifth | — | — |
| Kentucky | judicial | — | 70 | Second-most distressed fifth | — | — |
| Maryland | judicial | — | 68 | Second-most distressed fifth | ✓ | ✓ |
| New York | judicial | 2,007 days ATTOM average, Q2 2026 | 66 | Second-most distressed fifth | ✓ | ✓ |
| Illinois | judicial | — | 64 | Second-most distressed fifth | — | ✓ |
| Oregon | non-judicial | — | 62 | Second-most distressed fifth | ✓ | ✓ |
| Oklahoma | judicial | — | 60 | Middle fifth | — | ✓ |
| New Jersey | judicial | — | 58 | Middle fifth | ✓ | ✓ |
| West Virginia | non-judicial | 196 days ATTOM average, Q2 2026 | 56 | Middle fifth | — | ✓ |
| Arkansas | non-judicial | — | 54 | Middle fifth | — | ✓ |
| Pennsylvania | judicial | — | 52 | Middle fifth | — | ✓ |
| Tennessee | non-judicial | — | 50 | Middle fifth | — | — |
| Ohio | judicial | — | 48 | Middle fifth | — | — |
| North Carolina | non-judicial | — | 46 | Middle fifth | — | — |
| Indiana | judicial | — | 44 | Middle fifth | ✓ | ✓ |
| Rhode Island | non-judicial | — | 42 | Middle fifth | ✓ | — |
| Virginia | non-judicial | — | 40 | Middle fifth | — | — |
| Missouri | non-judicial | — | 38 | Second-least distressed fifth | — | — |
| Washington | non-judicial | — | 36 | Second-least distressed fifth | ✓ | ✓ |
| Colorado | non-judicial | — | 34 | Second-least distressed fifth | — | ✓ |
| Massachusetts | non-judicial | — | 32 | Second-least distressed fifth | ✓ | ✓ |
| Kansas | judicial | — | 30 | Second-least distressed fifth | — | ✓ |
| Idaho | non-judicial | — | 28 | Second-least distressed fifth | — | ✓ |
| Hawaii | both | 2,293 days ATTOM average, Q2 2026 | 26 | Second-least distressed fifth | ✓ | ✓ |
| Minnesota | non-judicial | — | 24 | Second-least distressed fifth | — | ✓ |
| Iowa | judicial | — | 22 | Second-least distressed fifth | — | ✓ |
| Alaska | non-judicial | 199 days ATTOM average, Q2 2026 | 20 | Second-least distressed fifth | — | ✓ |
| Utah | non-judicial | — | 18 | Least distressed fifth | — | ✓ |
| Maine | judicial | — | 16 | Least distressed fifth | ✓ | ✓ |
| Wisconsin | judicial | — | 14 | Least distressed fifth | — | ✓ |
| Wyoming | non-judicial | 173 days ATTOM average, Q2 2026 | 12 | Least distressed fifth | — | — |
| Nebraska | non-judicial | — | 10 | Least distressed fifth | — | ✓ |
| Montana | non-judicial | — | 8 | Least distressed fifth | — | ✓ |
| Vermont | judicial | — | 6 | Least distressed fifth | ✓ | — |
| New Hampshire | non-judicial | 157 days ATTOM average, Q2 2026 | 4 | Least distressed fifth | — | — |
| South Dakota | non-judicial | — | 2 | Least distressed fifth | — | ✓ |
| North Dakota | judicial | — | 0 | Least distressed fifth | — | ✓ |
Legal Reference, Not Outcome Prediction
A longer or shorter timeline figure does not prove that homeowners in one state receive more effective protection, that a case will finish on that schedule, or that distress converts into housing loss at a measured rate. Compare the legal fields separately from the State Distress Index, and use the linked state-law sources for current requirements.
Frequently Asked Questions
How long does foreclosure take by state?
For 10 states, the figure is ATTOM's average for foreclosures completed in the second quarter of 2026, from the start of the foreclosure process to completion; ATTOM publishes state averages only for the states with the longest and shortest timelines. For every other state we don't print one total, because the federal waiting period and state notice periods can run at the same time; each state's foreclosure guide lists the steps its law sets, each with its own minimum. No figure predicts an individual case. Actual timing depends on the loan, servicer actions, notices, court scheduling, loss-mitigation activity, bankruptcy, state-law changes, and other case-specific events.
What is the difference between judicial and non-judicial foreclosure?
Judicial foreclosure proceeds through a court case. Non-judicial foreclosure generally uses a power-of-sale process without a foreclosure judgment, subject to the state's notice and sale rules. This reference classifies 21 jurisdictions as judicial, 29 as non-judicial, and 1 as allowing or using both tracks. Classification alone does not determine the duration of an individual case.
Which states offer the most homeowner protection?
This reference records a statewide foreclosure mediation program in 15 jurisdictions and a right-to-cure feature in 37. Those fields are not a complete ranking of homeowner protection, and availability can depend on property, loan, occupancy, procedural stage, and current state law. Follow the state-specific source links for the applicable rule.
How does the State Distress Index differ from foreclosure timeline?
The State Distress Index compares aggregate financial indicators. The foreclosure fields are a separate legal-process reference. Displaying them together does not establish that a state's score changes foreclosure timing or that a timeline figure predicts housing loss. See the State Distress Rankings page for the score methodology.
Can I compare specific states?
Yes. Use the state selector dropdowns to choose 2 or 3 states. The charts update automatically to show their State Distress Index domains, overall scores, foreclosure timelines with their basis, and selected legal features. The state rows remain the unit of reference; the page does not turn them into a national duration statistic.
Sources
Computed from Federal Reserve Bank of Philadelphia Consumer Credit Explorer delinquency and collections data (built on the New York Fed Consumer Credit Panel / Equifax), U.S. Bureau of Labor Statistics LAUS unemployment, U.S. Census Bureau American Community Survey severe renter cost burden, and Administrative Office of the U.S. Courts bankruptcy filings.
For 10 states: ATTOM U.S. Foreclosure Market Report, first half 2026 (published July 16, 2026), average days from the start of the foreclosure process to completion for properties that completed foreclosure in Q2 2026. For every other state there is no single figure; the timeline table lists each step the state's law sets, with citations.