Category
housing
Native level
State
Unit
Percentage
Vintage
ATTOM Q4 2025
States ranked by underwater mortgages
50 states with data (ATTOM Q4 2025). Top 10 highest and bottom 10 lowest.
| Rank | State | Value |
|---|---|---|
| 1 | Louisiana | 10.7% |
| 2 | Mississippi | 8.3% |
| 3 | Kentucky | 7.9% |
| 4 | Iowa | 5.8% |
| 5 | Arkansas | 5.6% |
| 6 | Oklahoma | 5.4% |
| 7 | Kansas | 5.3% |
| 8 | Illinois | 4.7% |
| 9 | Missouri | 4.6% |
| 10 | West Virginia | 4.4% |
| Rank | State | Value |
|---|---|---|
| 50 | Vermont | 0.7% |
| 49 | Rhode Island | 1.0% |
| 48 | New Hampshire | 1.2% |
| 47 | Massachusetts | 1.3% |
| 46 | Connecticut | 1.6% |
| 45 | New Jersey | 1.7% |
| 44 | California | 1.7% |
| 43 | New York | 1.8% |
| 42 | Hawaii | 1.9% |
| 41 | Nevada | 1.9% |
About this map
hearthmap renders underwater mortgages as a choropleth map of the United States. Zoom in to see state values shaded against the rest of the country, and click any region to see its exact value with margin of error.
You can layer filters and a custom match score on top of underwater mortgagesto find places that match what matters to you. Combine it with school ratings, housing prices, commute times, and more.
Source: ATTOM Data Solutions (U.S. Home Equity & Underwater Report) · ATTOM Q4 2025