Seasonal Foreclosure Trends: Why the Time of Year Matters

Foreclosures aren’t evenly spread throughout the year. Learn why filings rise and fall with the seasons — and how to prepare.

Foreclosure filings fluctuate seasonally, and understanding these patterns helps homeowners anticipate risks.

  • Winter: Higher filings after holiday overspending.

  • Spring: Tax deadlines push some families into foreclosure.

  • Summer: Lower filings as housing markets are stronger.

  • Fall: Rising utility and school expenses strain budgets.

Why It Matters: Knowing these patterns can help homeowners prepare, adjust budgets, and act before foreclosure deadlines approach.