Maryland Foreclosure Filings Climb 21% Year Over Year
Published by Cash Flow Deals · Last updated 2026-08-05
Foreclosure filings nationwide rose 21% year over year in June 2026, and Maryland ranked the 14th-worst state in the country with 736 filings, about 1 in every 3,479 housing units, according to ATTOM Data. Baltimore City was named among Maryland's four worst counties for foreclosure activity in the same report.
| Factor | Traditional Listing | Cash Flow Deals |
|---|---|---|
| Timeline before a foreclosure date | Still depends on a buyer's lender approving and closing in time | You choose the Fast Cash Offer or the Premium Cash Offer and help pick your closing date. The number is agreed before any work starts, and it changes only if you agree. The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens. |
| Who takes title | Seller to buyer, standard closing | Fast Cash Offer: we buy your house as-is and close. Premium Cash Offer: a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you, with title transferring once at closing. You choose. |
| Repair cost risk | Often renegotiated down after inspection, can delay closing | For your Fast Cash Offer or Premium Cash Offer, the number is agreed before any work starts, and it changes only if you agree. The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens. |
Foreclosure Filings Rose 21% Year Over Year
ATTOM Data's June 2026 U.S. Foreclosure Rates by State report counted 39,327 total filings nationwide, default notices, scheduled auctions, and bank repossessions combined, up 21% from June 2025. The national rate worked out to about 1 in every 3,656 housing units.
Baltimore City Ranks Among Maryland's Worst Counties
Maryland ranked 14th-worst among all states, with 736 filings out of roughly 2.56 million housing units, a rate of about 1 in every 3,479 units, slightly worse than the national average. ATTOM named Baltimore City among the four Maryland counties with the worst foreclosure rates, alongside Charles, Kent, and Allegany counties.
Why Rising Filings Matter to a Baltimore City Seller
A foreclosure filing starts a clock. Once a notice of default or a scheduled auction hits the public record, a homeowner has a shrinking window to sell before a lender or a court takes control of the outcome. A 21% year-over-year jump in filings means more Maryland homeowners are hitting that clock right now, not fewer.
What a Baltimore City Homeowner Can Do Before It Escalates
If you're behind on payments, you have real options before a filing turns into a lost house: contact your lender directly, work with a HUD-approved housing counselor, or compare both offers from Cash Flow Deals. With the Fast Cash Offer, we buy your house as-is and close. With the Premium Cash Offer, a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. You choose. We cover repair costs, and we figure out a way, so nothing comes out of your pocket. On Premium, only what the buyer's lender requires gets fixed, with repair costs settled from the sale proceeds, from our share; with Fast Cash, you make no repairs. The number is agreed before any work starts, and it changes only if you agree. The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens. If the buyer's loan falls through, that is our problem, not yours, and you can still take the Fast Cash Offer at its own number alongside your Premium Cash Offer choice.
Common questions
How many foreclosure filings did Maryland have in June 2026?
736 filings, according to ATTOM Data's U.S. Foreclosure Rates by State report published July 17, 2026.
How does Maryland's foreclosure rate compare to the national average?
Maryland's rate was about 1 in every 3,479 housing units, slightly worse than the national rate of 1 in every 3,656, and ranked 14th-worst among all states.
Is Baltimore City among the worst counties in Maryland for foreclosures?
Yes. ATTOM's June 2026 report named Baltimore City among the state's four worst counties for foreclosure rate, alongside Charles, Kent, and Allegany counties.
What can a Baltimore City homeowner do before a foreclosure filing turns into a lost house?
Contact your lender to discuss options, reach out to a HUD-approved housing counselor, or compare the Fast Cash Offer and the Premium Cash Offer. With Fast Cash, we buy your house as-is and close; with Premium, a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. You choose. We cover repair costs, and we figure out a way, so nothing comes out of your pocket. Premium repairs are limited to what the buyer's lender requires and settled from the sale proceeds, from our share; Fast Cash requires no repairs from you. The number is agreed before any work starts, and it changes only if you agree. The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens. If the buyer's loan falls through, that is our problem, not yours: you can still choose the Fast Cash Offer at its own number instead of the Premium Cash Offer.
Keep reading
Related reading
- Maryland Homes Now Take 51 Days To Go Under Contract ›
- Maryland's Housing Market Is Cooling. Baltimore City Sales Fell 12%. ›
- Baltimore City Sellers: What a 6.58% Mortgage Rate Means for Your Home Sale ›
- Maryland's Foreclosure Data Signals Distress Before Sellers Call ›
- Maryland Home Prices Are Up 70% Since 2016. Rates Aren't Helping. ›
- 42 Baltimore Rowhomes Went From $3.7M to $9.9M. Now They're in Foreclosure. ›
This affects sellers in
What this means for your options
Rising foreclosure filings mean more distressed inventory competing for the same buyers. The homes that sell fastest are the ones priced and positioned before that competition grows.
Wait and see
Keep the property as-is and hope conditions improve. The mortgage, insurance, and upkeep keep costing money while you wait, with no set date for things to turn around.
List with a traditional agent
Standard MLS listing, typically 5-6% in commission, and a financed buyer whose deal depends on appraisal, inspection, and lender approval — any of which can fall through after weeks on market.
Sell to Cash Flow Deals
Two offers for your house, Fast Cash or Premium Cash, and you choose. Cash: Cash Flow Deals buys the house as-is and closes. Premium: More money. A pre-approved FHA or conventional buyer we already have buys directly from you.
See both offers before you decide anything.