About 150,000 U.S. Adjustable-Rate Mortgages Face First Reset in 2026

About 150,000 U.S. adjustable-rate mortgages are scheduled for their first reset in 2026, exposing some borrowers to substantially higher payments as borrowing costs remain elevated. Roughly 180,000 adjustable-rate mortgages are scheduled for first resets in 2027, followed by about 155,000 in 2028. The October 2026 Mortgage Monitor showed 3.1 million active first-lien adjustable-rate mortgages, representing 5.6% of active mortgages, as of ICE’s October 2026 Mortgage Monitor. About 1.05 million active adjustable-rate mortgages had already reached their first reset and entered the adjustable period.

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