Despite a national uptick in foreclosure filings, California’s rate remained relatively stable in November, highlighting continued resilience among homeowners in the Golden State. New data from real estate analytics firm ATTOM points to a modest month-over-month dip in filings across the country, with California avoiding the sharper increases seen elsewhere.
California fares better than most states
ATTOM’s November 2025 report found that 35,651 U.S. properties had foreclosure filings last month—a 3% decrease from October but a 21% increase compared to the same time last year. Nationally, one in every 3,992 housing units faced a foreclosure filing. California, by contrast, reported one filing per 4,112 housing units, ranking 19th among all states for foreclosure rates.
While the state did see some pockets of higher activity in counties like Lake, Madera, Shasta, and Butte, much of urban California—including Los Angeles County—has maintained lower-than-average rates. That stability, according to housing analysts, reflects both strong property values and a robust network of homeowner assistance programs.
“The numbers show that most California homeowners are managing to stay current on their mortgages, even in a challenging economy,” said a housing policy analyst based in Sacramento. “The state’s continued investment in foreclosure prevention is making a real difference.”
Programs help homeowners stay afloat
Multiple initiatives across California have played a role in preventing a broader foreclosure crisis. Mortgage relief programs, counseling services, and income-based forbearance options have helped thousands of homeowners navigate job changes, inflation, and rising interest rates.
In the San Gabriel Valley, housing counselors report steady demand for services but no dramatic surge in defaults. El Monte, Baldwin Park, and neighboring communities continue to benefit from both local outreach efforts and statewide financial protections.
Experts note that while some homeowners are experiencing strain, the state’s proactive policies—along with lower unemployment and high property equity—are helping many avoid foreclosure.
Looking ahead with cautious optimism
Though economic growth is expected to slow in early 2026, many analysts believe California is better positioned than other states to weather a downturn. High property values and a competitive housing market provide a buffer against forced sales.
Still, housing advocates caution against complacency. “We need to keep supporting homeowners who are on the edge,” said a local nonprofit director in Rosemead. “But overall, we’re seeing a lot of strength in our region.”
For now, California remains in a relatively stable position as national trends shift. Ongoing vigilance, paired with strategic support programs, may help the state continue to avoid the worst of rising foreclosure activity.
ATTOM’s full report and foreclosure heat maps are available at attomdata.com.
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