Nothing is quite what it seems.

ATTOM Data Solutions released data showing foreclosures are up 14%. At first glance, that sounds alarming and sparks fears of another housing crisis—but that’s not the full story.

Yes, foreclosures increased 14%, but they rose from an extremely low base of just 0.26%. That’s roughly one-tenth of the foreclosure rates seen during 2009–2010.

At the same time, housing starts are up both new and existing homes. Rates have remained relatively low and appear on track to stabilize and potentially decline further into 2026. Inflation continues to cool and may reach the Fed’s 2% target sooner than many expect.

The data doesn’t point to a housing crisis, it points to normalization.

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