With inflation still elevated, home prices parked near record highs, and insurance costs climbing, more homeowners are running out of cushion—heightening the risk of mortgage delinquencies, as well as broader ripple effects on consumer spending and credit conditions. As budgets thin, questions about the sustainability of homeownership and the broader economic fallout are getting harder to ignore. In the 2025 edition of its Cities With the Most Mortgage Delinquencies report, Construction Coverage analyzed the latest data from the Consumer Financial Protection Bureau, Census Bureau, and Zillow to reveal the locations with the greatest percentage of mortgages at least 30 days delinquent as of December 2024.

A new analysis from Upgraded Points identifies where young adults are struggling most with severe credit card delinquency, analyzing the most recent data from the Federal Reserve Bank of Philadelphia. Researchers ranked U.S. metros and states by the share of credit cardholders ages 18 to 34 with credit card debt at least 90 days overdue in Q1 2025. The analysis also includes delinquency shares in Q1 2022, average credit card debt in each location, and how many young adults have exceptionally high credit utilization (over 75% of their credit limits).