The vulnerability to pandemic foreclosures was concentrated within the east in Q2

The housing markets, which are exposed to the highest risk of pandemic foreclosure, were spread across other states in the second quarter.

The 50 most vulnerable counties are now in 18 different states, compared to 15 in the first quarter, according to Attom Data Solutions' coronavirus report, which identified vulnerability from a mix of underwater homes, foreclosure filings, and home affordability in each area measures.

Illinois, New Jersey, Florida, Delaware, and Louisiana combined made up 32 of the 50, including seven near Chicago, four near New York City, and three in the Philadelphia area. At the same time, only five counties were in the top 50 west of the Mississippi – Mohave Counties (No. 22) in Arizona, Butte (No. 5) and Humboldt (No. 49) in California, and Cameron (No. 32) and Webb (No. . 39) in Texas.

Delaware County, Pennsylvania is the most vulnerable market in the country, accounting for 36.4% of its underwater real estate in the first quarter. Approximately 0.05% of homes in the county filed for foreclosure in the second quarter, and it would take 51.7% of income to buy a mid-price home there. Kendall County, Illinois followed at 15.2%, 0.07% and 39.3%, respectively, followed by McHenry, Illinois at 19.3%, 0.06% and 34.1%.

Geographic concentrations of vulnerabilities are likely to persist, but the recent COVID-19 cases and the impact of the end of the state moratorium on foreclosure could shift that dynamic, according to Todd Teta, chief product officer of Attom.

"The West was likely in the best position due to the concentration of wealth and high home values, which helped more homeowners build equity, stay on top of their mortgages and avoid foreclosures," Teta said in a statement to National Mortgage News . "The Northeast continued to face a double blow of high coastal property prices, hurting affordability and lower incomes in some areas, likely resulting in relatively high percentages of underwater mortgages."

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