*December 09, 2025 | 4 min read*
Foreclosure headlines are popping up again, often designed to create fear and clicks. But the actual data paints a much calmer picture — especially here in Rockwall County. Before you worry about a market crash, let’s zoom out and see the facts.
Yes, national foreclosure starts rose 7% in the first half of 2025. But overall activity remains historically low, far from crisis levels. Here’s why this isn’t a red flag for Rockwall buyers or sellers.
Foreclosure Filings Still Way Below Crash Era
Nationally, just 0.13% of homes (1 in every 758) had a foreclosure filing in the first half of 2025 — a tiny fraction. For context, during the 2010 crash, it was 1 in every 45 homes.
In Texas, the rate was slightly higher at 0.15% (1 in 647 homes), ranking us 10th nationally. But locally in Rockwall County? Filings are minimal — only 21 properties in February 2025 alone, per ATTOM data. With over 40,000 housing units, our rate is even lower than the state average, reflecting strong equity and stable values.
Here’s the U.S. foreclosure map showing rates by state — notice how low they are overall, with variations by area:
Why Today’s Market Isn’t Like the Crash
Remember the 2008 crisis? Risky loans left homeowners underwater, leading to mass foreclosures. Today, it’s different: stricter lending, record-high equity (national average $200K+ per home), and options for struggling owners to sell instead of foreclose.
In Rockwall, where median home values sit at $411K (down just 2.9% year-over-year), equity cushions most owners. If facing hardship, contact your lender — many have forbearance or modification programs.
Bottom Line for Rockwall Residents
Headlines sensationalize, but data reassures: foreclosures are low and no sign of trouble. If you’re tracking the market or curious about your home’s value, let’s connect. We’ll break down local stats and separate fact from fear.
📞 **Contact 2A Realty Group today** — (469) 380-7433
🌐 **2ARealtyGroup.com**
📧 Jorge@2ARealtyGroup.com
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