HUD Homes for Sale: the HUD Home Store, Bid Deadlines and the Owner-Occupant Period (2026)
HUD homes are houses the Department of Housing and Urban Development took back after an FHA-insured mortgage defaulted. HUD lists them on the HUD Home Store at an appraised list price with a bid deadline, and the rows reach the free auction wire as REO: a sale with a bid period, not an auction with a hammer. This guide covers the bid deadline, the owner-occupant period, how investors get in, and what the wire shows today.
- 1,648 HUD Home Store rows on the free auction wire as of October 20, 2026.
- HUD list prices run from $5,000 to $1,240,000; the middle HUD home is near $206,200; 255 are listed under $100,000.
- States with the most HUD homes now: TX 201, MI 103, FL 94, CA 93, GA 93, AL 80.
| Date | Type | Source | Property (HUD homes for sale) | ST | Price / bid | Record |
|---|---|---|---|---|---|---|
| 2026-10-15 | REO | HUD Home Store | 1625 Verbena St | CO | $260,000 | verified |
| 2026-10-15 | REO | HUD Home Store | 91 W Echo Lake Rd | VT | $100,000 | verified |
| 2026-10-15 | REO | HUD Home Store | 111 Wellspring Dr | RI | $360,000 | verified |
| 2026-10-14 | REO | HUD Home Store | 1720 Forrest Hill Dr | MS | $71,000 | verified |
| 2026-10-14 | REO | HUD Home Store | 1200 Magnolia Dr | OK | $230,000 | verified |
| 2026-10-14 | REO | HUD Home Store | 107 Ridgecrest Way | SC | $235,000 | verified |
HUD homes for sale: 6 of 1,648 rows, October 20, 2026.
How a HUD Home Store listing works
Each HUD home carries a case number, a list price from a recent appraisal, an FHA financing code, and a bid deadline. Offers go through a HUD-registered broker, not directly. When no acceptable bid arrives the price is cut on a schedule and the home relists, which is why the same address can appear on the wire more than once.
The owner-occupant period
For the first bid window, usually the opening days of an exclusive listing, HUD accepts offers only from buyers who will live in the home, plus nonprofits and government agencies. Investors bid in the extended period that follows. The HUD Home Store page shows which period a home is in; the wire shows the list price and the seller's link.
Reading HUD rows on the wire
The PRICE / BID column shows the HUD list price and START BID repeats it, because HUD accepts bids at or near list. Filter the wire to REO and HUD Home Store, set a state, and the newest HUD homes sort to the top with the hudhomestore.gov link on each.
More HUD homes for sale rows seen on the wire
2026-10-14: HUD Home Store listed 8600 E Alameda Ave #19-108, CO at $228,000. 2026-10-14: HUD Home Store listed 65 Aspen Way, ID at $255,000. 2026-10-14: HUD Home Store listed 820 N Meta St, OK at $70,000. 2026-10-14: HUD Home Store listed 676 Old Orangeburg Rd, SC at $236,000. 2026-10-14: HUD Home Store listed 203 Loch Lomond Ro, PA at $175,000. 2026-10-14: HUD Home Store listed 320 Fort Duquesne Blvd Unit 21h, PA at $150,000.
HUD homes for sale: questions
Can an investor buy a HUD home?
Yes, after the owner-occupant period ends. The HUD Home Store page states the current period and the deadline.
Can HUD homes be financed?
Most can, with FHA, conventional or FHA 203(k) rehab loans; the financing code on the listing says which. Cash is always accepted.
What are the newest HUD homes for sale rows on the wire?
2026-10-15: HUD Home Store listed 1625 Verbena St, CO at $260,000. 2026-10-15: HUD Home Store listed 91 W Echo Lake Rd, VT at $100,000. 2026-10-15: HUD Home Store listed 111 Wellspring Dr, RI at $360,000.
How many HUD homes for sale rows carry a published figure?
For HUD homes for sale, 1,647 of 1,648 rows show a figure, and 1 HUD homes for sale rows show a dash.