As mortgage rates and housing costs continue to be closely scrutinized, delinquency on some payments feels inevitable. But in certain states, homeowners are struggling less to meet their payments as other locales across the nation see sharp increases in delinquency. 

WalletHub recently analyzed proprietary user data from Q4 2023 to Q1 2024 to rank the states where people are struggling to make their mortgage payments, as well as the areas where borrowers are more on track with their payments.

"If you are experiencing financial difficulty that prevents you from paying, ask your lender if they will allow temporary forbearance until you get back on your feet, which may prevent you from being reported as delinquent," Cassandra Happe, WalletHub analyst, said in a release.

Read more: Link to where mortgage delinquency is increasing the most

The state where mortgage debt delinquency is increasing the least is New Hampshire, with only 4.68% more mortgages delinquent in Q1 2024 than in Q4 2023, as well as a 5.21% share of average number of mortgage loans delinquent in Q1 2024.

Other states at the top of the list include South Dakota and Indiana. South Dakota saw a 5.13% change in average number of mortgage loans delinquent between Q1 2024 and Q4 2023 and Indiana saw a 6.09% change.

The state where mortgage debt delinquency is increasing the most is Vermont, which saw a 23.87% change in average number of mortgage loans delinquent between Q1 2024 and Q4 2023. Other states at the bottom of the list include Nebraska and Rhode Island. 

Read more: Monthly mortgage payments drop for first time in 2024 

Read more about the 20 states where mortgage delinquency is increasing the least.