Homeownership is a long-term commitment. But even if you’re financially stable when you buy a home, there’s no guarantee you’ll remain that way for the 15- or 30-year term of your mortgage loan.

One in every 1,882 homes is in foreclosure in the U.S., according to August 2018 data from RealtyTrac. That’s 555,120 homes total, which is 7 percent lower than the same time last year.

Some states are well below the national average. In South Dakota, for instance, only 1 in 26,121 homes is in foreclosure. Fourteen states, however, have a higher foreclosure rate than the national average, and a handful has close to double or triple the rate nationwide.

Here are the 25 states with the most foreclosures and how they compare to the national benchmark.

25. Virginia

• Foreclosure rate: 1 in every 2,544 homes; 0.039%
• 74% of the national average

24. Missouri

• Foreclosure rate: 1 in every 2,370 homes; 0.042%
• 79% of the national average

23. Oklahoma

• Foreclosure rate: 1 in every 2,322 homes; 0.043%
• 81% of the national average

22. Georgia

• Foreclosure rate: 1 in every 2,209 homes; 0.045%
• 85% of the national average

21. Louisiana

• Foreclosure rate: 1 in every 2,182 homes; 0.046%
• 86% of the national average

20. California

• Foreclosure rate: 1 in every 2,161 homes; 0.046%
• 87% of the national average

19. Maine

• Foreclosure rate: 1 in every 2,136 homes; 0.047%
• 88% of the national average

18. Massachusetts

• Foreclosure rate: 1 in every 2,120 homes; 0.047%
• 89% of the national average

17. Alabama

• Foreclosure rate: 1 in every 1,955 homes; 0.051%
• 96% of the national average

16. Utah

• Foreclosure rate: 1 in every 1,897 homes; 0.053%
• 99% of the national average

15. Pennsylvania

• Foreclosure rate: 1 in every 1,896 homes; 0.053%
• 99% of the national average

14. New York

• Foreclosure rate: 1 in every 1,857 homes; 0.054%
• 101% of the national average

13. Indiana

• Foreclosure rate: 1 in every 1,802 homes; 0.055%
• 104% of the national average

12. Alaska

• Foreclosure rate: 1 in every 1,565 homes; 0.064%
• 120% of the national average

11. Ohio

• Foreclosure rate: 1 in every 1,456 homes; 0.069%
• 129% of the national average

10. New Mexico

• Foreclosure rate: 1 in every 1,448 homes; 0.069%
• 130% of the national average

9. North Carolina

• Foreclosure rate: 1 in every 1,433 homes; 0.07%
• 131% of the national average

8. South Carolina

• Foreclosure rate: 1 in every 1,311 homes; 0.076%
• 144% of the national average

7. Connecticut

• Foreclosure rate: 1 in every 1,304 homes; 0.077%
• 144% of the national average

6. Illinois

• Foreclosure rate: 1 in every 1,247 homes; 0.08%
• 151% of the national average

5. Florida

• Foreclosure rate: 1 in every 1,209 homes; 0.083%
• 156% of the national average

4. Delaware

• Foreclosure rate: 1 in every 988 homes; 0.101%
• 190% of the national average

3. Nevada

• Foreclosure rate: 1 in every 965 homes; 0.104%
• 195% of the national average

2. Maryland

• Foreclosure rate: 1 in every 905 homes; 0.11%
• 208% of the national average

1. New Jersey

• Foreclosure rate: 1 in every 685 homes; 0.146%
• 275% of the national average

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