---
title: "FHA Mortgage Delinquency Rate"
slug: the-fha-signal
summary: "FHA mortgage delinquency at 13.64%"
category: "Housing"
unit: percent
frequency: monthly
direction: higher_is_worse
latest_value: 13.64
latest_period: "2026-08"
trend: rising
last_updated: "2026-11-03T17:41:36Z"
source: "U.S. Department of Housing and Urban Development, Federal Housing Administration"
source_url: https://www.hud.gov/hud-partners/single-family-loan-performance
canonical_html: https://americandefault.org/indicators/the-fha-signal/
citation_apa: "Kilburn, R. (2026). FHA Mortgage Delinquency Rate [Data set]. American Default Research. https://americandefault.org/indicators/the-fha-signal/"
citation_chicago: "Kilburn, Ross. 2026. \"FHA Mortgage Delinquency Rate.\" American Default Research. https://americandefault.org/indicators/the-fha-signal/."
citation_mla: "Kilburn, Ross. \"FHA Mortgage Delinquency Rate.\" American Default Research, 2026, americandefault.org/indicators/the-fha-signal/."
---

# FHA Mortgage Delinquency Rate

Also tracked as The FHA Signal.

> FHA mortgage delinquency at 13.64%

## Current Reading

As of August 2026, FHA Mortgage Delinquency Rate is **13.64%** (rising — worsening for households).

FHA loans at least one payment behind, in HUD's monthly report

## What Changed

- FHA mortgage delinquency was 13.64% in August 2026, up from 12.51% in August 2025.
- Higher than in the same month a year earlier for 10 months in a row.

## Recent Values

| Period | Value |
|--------|-------|
| 2026-08 | 13.64% |
| 2026-07 | 13.29% |
| 2026-06 | 13.7% |
| 2026-05 | 13.49% |
| 2026-04 | 13.09% |
| 2026-03 | 13.23% |
| 2026-02 | 14.19% |
| 2026-01 | 13.77% |
| 2025-12 | 13.97% |
| 2025-11 | 13.74% |
| 2025-10 | 12.04% |
| 2025-09 | 12.56% |

## Historical Context

- Peak since 2017: **17.63%** in August 2020
- Low since 2017: **9.64%** in May 2019
- Post-pandemic average (2020-01 – 2024-12): **12.97%**

## Methodology

This indicator carries monthly observations and is interpreted as higher values indicate worse household conditions. Source: U.S. Department of Housing and Urban Development, Federal Housing Administration.
Automation: collected automatically on the daily refresh pipeline, with no hand entry.

## Source

U.S. Department of Housing and Urban Development, Federal Housing Administration — [https://www.hud.gov/hud-partners/single-family-loan-performance](https://www.hud.gov/hud-partners/single-family-loan-performance)

Data retrieved: 2026-11-03T17:41:36Z

## Related Indicators

- [falling-behind](https://americandefault.org/indicators/falling-behind/)
- [foreclosure-filings](https://americandefault.org/indicators/foreclosure-filings/)

## Machine-Readable Endpoints

- HTML page: https://americandefault.org/indicators/the-fha-signal/
- JSON: https://americandefault.org/api/indicators/the-fha-signal.json
- CSV: https://americandefault.org/api/downloads/the-fha-signal.csv
- BibTeX: https://americandefault.org/citations/the-fha-signal.bib
- RIS: https://americandefault.org/citations/the-fha-signal.ris

## Citation

**APA 7th**

    Kilburn, R. (2026). FHA Mortgage Delinquency Rate [Data set]. American Default Research. https://americandefault.org/indicators/the-fha-signal/

**Chicago (author-date)**

    Kilburn, Ross. 2026. "FHA Mortgage Delinquency Rate." American Default Research. https://americandefault.org/indicators/the-fha-signal/.

**MLA 9th**

    Kilburn, Ross. "FHA Mortgage Delinquency Rate." American Default Research, 2026, americandefault.org/indicators/the-fha-signal/.

Use **American Default Research** as the institutional name in source lists, bibliographies, and press citations. **American Default** is the brand and URL form. **American Distress Index (ADI)** is the product name for the national composite score.