报告列出了2025年第三季度美国风险最高的10个住房市场
A new housing risk analysis shows that parts of the U.S. housing market remain under real pressure as 2025 comes to a close. According to the ATTOM Q3 2025 U.S. Housing Risk Report, several counties face elevated risk tied to affordability strain, unemployment, and rising foreclosure activity.
The report analyzed housing conditions at the county level nationwide, and one trend stands out clearly: California dominates the high-risk list. Sixteen of the 50 most vulnerable housing markets are located in the state. New Jersey follows with nine counties, Florida has four, and Arizona and Texas each have three.
ATTOM measures housing risk by looking at multiple warning signs at once. These include how much of a household’s income is needed to buy a home, how many mortgages are underwater, foreclosure filing rates, and local unemployment. When several of these pressures stack up in one place, the market becomes more exposed if economic conditions weaken.
California’s presence at the top reflects a mix of high home prices and softer job markets. Counties like Butte, Humboldt, Shasta, and El Dorado all show buyers needing close to—or well over—40% of their income just to afford a home. At the same time, foreclosure activity and unemployment remain elevated, creating stress for existing homeowners.
Florida also appears on the list, with Charlotte County ranking among the highest-risk markets. There, foreclosure filings are relatively frequent, and a meaningful share of homeowners are underwater on their mortgages.
The rest of the top 10 shows similar patterns. Parts of New Jersey, Louisiana, and Central California combine affordability challenges with weaker employment trends, leaving households with less financial cushion if rates stay high or job growth slows.
On the other end of the spectrum, the lowest-risk housing markets are concentrated in states like Wisconsin, Tennessee, Montana, New Hampshire, and Virginia. These areas generally benefit from lower unemployment, fewer foreclosures, and more manageable home prices relative to income.
The bigger message is that housing risk in 2025 is far from uniform. While many markets remain stable, others are stretched thin. As 2026 begins, these higher-risk areas may be the first to feel pressure if borrowing costs remain elevated or economic momentum cools further.
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