HUD Homes for Sale (2026)
Search every active HUD foreclosed home on HUD HomeStore - 926 properties nationwide, in one free interface.
HUD homes are foreclosed residential properties owned by the U.S. Department of Housing and Urban Development. They're sold through HUD HomeStore (hudhomestore.gov), typically priced below market value. GovAuctions indexes the entire HomeStore inventory and lets you search it with better filtering than the official site - bidding still happens on HomeStore through a HUD-registered broker.Last updated: 2026-08-23
Search all 926 HUD homes by state & price
Filter the full HUD HomeStore inventory in the live feed
Looking for HUDHomeStore.gov?
HUD HomeStore (hudhomestore.gov) is the official government site where every HUD foreclosed home is listed. It works - but the search is dated and hard to use on a phone. This page pulls the same 926 HUD HomeStore listings into a faster, free search you can filter by state, price, and bedrooms. When you find a home, you place your bid on the official HomeStore site through a HUD-registered broker - we link you straight there.
HUD Homes by State
48 states have active HUD listings right now.
Recently Listed HUD Homes
HUD Home — 1223 Old Ridge Rd E, Prattville, AL 36066
Prattville, AL
HUD Home — 9885 East Avenue, Theodore, AL 36582
Theodore, AL
HUD Home — 1429 Bristol Park Pl, Montgomery, AL 36117
Montgomery, AL
HUD Home — 13141 Holly Ct, Grand Bay, AL 36541
Grand Bay, AL
HUD Home — 113 Black Oak Way, Daphne, AL 36526
Daphne, AL
HUD Home — 23 Brookwood Dr, Haleyville, AL 35565
Haleyville, AL
HUD Home — 13114 Lake Arnedra Rd, Coker, AL 35452
Coker, AL
HUD Home — 622 Johnston St SE, Decatur, AL 35601
Decatur, AL
HUD Home — 15632 Twin Creek Dr, Buhl, AL 35446
Buhl, AL
HUD Home — 177 County Road 514, Trinity, AL 35673
Trinity, AL
HUD Home — 655 Wilshire Rd, Mobile, AL 36609
Mobile, AL
HUD Home — 7220 Silver Ln, Adger, AL 35006
Adger, AL
Will you inherit the back taxes?
It depends entirely on which kind of sale you are looking at, and the two are easy to mix up. Government REO (HUD, Fannie Mae, Freddie Mac, GSA, CWS) conveys with clear, insurable title and the seller settles past-due property taxes at closing. County tax sales (tax-defaulted, sheriff, judicial) are the opposite: the buyer can inherit senior liens, face a redemption period, and get title that is not insurable without a quiet-title action. Every listing on this page is the first kind.
On the tax-sale side the rules are set by state: 18 states sell tax liens, 18 sell tax deeds, and 15 run a hybrid. That decides what you buy, how long the former owner can take it back, and whether you can insure the title.
We do not estimate what a specific property owes. Lien and back-tax amounts live in county records and only a title search returns the real number, so any figure produced without one is a guess you should not bid against.
How HUD Home Auctions Work
When a homeowner with an FHA-insured mortgage defaults and the bank forecloses, HUD reimburses the lender and takes ownership of the property. HUD then sells the home to recover its costs, listing it on the HUD HomeStore at hudhomestore.gov.
Bidding happens in two phases:
- Exclusive Listing Period (15-30 days): Only owner-occupants and qualifying nonprofits can submit bids. This gives families priority over investors.
- Extended Listing Period: Any registered buyer - including investors - can bid. Most price drops happen during this phase.
All bids must be submitted through a HUD-registered real estate broker. You can't bid directly. HUD homes are sold as-is - HUD will not make repairs, so always inspect the property before submitting a bid.
Read the full step-by-step guide: How to Buy a HUD Home (2026) or the HUD HomeStore FAQ.
Frequently Asked Questions
- What is a HUD home?
- A HUD home is a residential property that was foreclosed on after the borrower defaulted on an FHA-insured mortgage. The U.S. Department of Housing and Urban Development (HUD) takes ownership and sells the home at auction - typically below market value. Properties are sold as-is.
- What is HUD HomeStore (hudhomestore.gov)?
- HUD HomeStore (hudhomestore.gov) is the official U.S. government website where HUD foreclosed homes are listed for sale. All HUD homes go through HomeStore. GovAuctions indexes the HomeStore inventory and lets you search it in a faster, mobile-friendly interface - bidding still happens on the official site.
- Where can I see HUD HomeStore homes for sale by state?
- Right here. GovAuctions pulls the full HUD HomeStore inventory and groups it by state, so you can jump straight to HUD homes for sale in your state and then filter by price and bedrooms. Bidding still happens on hudhomestore.gov through a HUD-registered broker - we link you there.
- Can anyone buy a HUD home?
- Yes. Owner-occupants, investors, nonprofits, and government agencies can all bid. During the first 15-30 days a listing is on HUD HomeStore (the 'Exclusive Listing Period'), only owner-occupants and qualifying nonprofits can bid. After that, investors can submit bids.
- Do I need a real estate agent to buy a HUD home?
- Yes. Bids on HUD homes must be submitted by a HUD-registered real estate broker. Any agent whose brokerage has a HUD NAID number can place your bid. GovAuctions shows you the listings; your agent submits the bid on HomeStore.
- Are HUD homes a good deal?
- HUD homes are often priced below market value, especially during the investor bidding period. The trade-off is they're sold as-is - HUD does no repairs. Factor potential repair costs into your offer, and always inspect the property (or hire an inspector) before bidding.
- How is GovAuctions different from hudhomestore.gov?
- GovAuctions is an independent free search layer. We pull listings from HUD HomeStore (and other government auction platforms - GSA, GovDeals, Public Surplus) into one searchable feed with better filtering and a modern interface. Bidding always happens on the official site. We don't charge a fee.
- Do I inherit back taxes or liens on a HUD home?
- No. A HUD home is REO, not a tax sale. It conveys with clear, insurable title, HUD settles any past-due property taxes at closing, and there is no redemption period during which a former owner could reclaim it. The back-taxes-and-liens risk people associate with cheap government houses belongs to county tax-defaulted, sheriff, and judicial sales, which are a different cohort with different rules in every state.