U.S. homeowners face rising financial strain as inflation and high home prices increase mortgage and insurance costs. Mortgage debt exceeds $12.9 trillion, over 70% of household debt. Mortgage delinquency rates rose to 3.68% in Q2 2025, surpassing pre-pandemic levels. Southern states like Louisiana and Mississippi have the highest delinquency rates, while West Coast states report the lowest. All major loan delinquencies have increased post-pandemic.
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