Real Estate Agents Take Notice: Rising Consumer Delinquencies Are Repositioning the Housing Market

Written by Michael Krein

Overall household delinquency reached 4.8% in Q4, and foreclosure and loss-mitigation activity is increasing in select markets. New York Fed data shows overall household delinquencies rose to 4.8% in Q4, with student-loan delinquencies at 16.3% after forbearance ended. The column argues the stress is concentrated by income and geography, and is feeding higher foreclosure and short-sale activity.

Published February 26, 2026 | READ THE FULL ARTICLE ON THEIR SITE