The 20 states where people are having the most trouble paying for their homes
Louisiana is third among states with the highest increase in delinquent mortgages. Cavan-Images/Shutterstock WalletHub ranked US states based on mortgage delinquency. Its list shows which states had the biggest increases in delinquent mortgages between 2025 and 2026. Vermont and Delaware had the highest increases, the analysis found. In recent years, the economy hasn't been kind to homeowners and those looking to buy. Many potential buyers simply can't afford to buy a home, with the average 30-year mortgage rate over 6%. For the people who bite the bullet on a home loan, other costs are waiting. From property taxes and insurance to repair costs, Americans — some of whom face more challenging job markets — are paying more in home expenses than a simple monthly mortgage payment. Whatever the reasons, some homeowners are failing to pay their mortgage payments on time. When a payment is at least 30 days late, it's reported to the credit bureaus as delinquent. A WalletHub stud...