Inspection scores · HUD data

HUD inspection scores on FHA-insured apartments

Name: HUD physical inspection scores joined to FHA-insured apartment loans
Creator: Endorsement Index
License: https://creativecommons.org/licenses/by/4.0/

HUD assesses the physical condition of the multifamily properties it insures and assists, and publishes the scores. We matched HUD's score file to the 11,602 apartment loans in its active insured file: 9,467 properties have at least one released score, and the median latest score is 93. 8,476 of those latest scores were issued under NSPIRE, the inspection standard that replaced REAC's.

Scores: HUD file as of October 6, 2026
Loans: HUD active file as of September 30, 2026

9,467properties with a released score (82% of the 11,521 properties behind the loans)

93median latest score, out of 100

69%latest score 90 or above

8,476latest scores issued under NSPIRE

How to read a HUD inspection score

A score runs from 0 to 100 and reflects the deficiencies an inspector recorded at the property: in units, inside common areas and building systems, and outside on the site and exteriors. HUD's file keeps the three most recent released scores for each property, with the date each was released.

Scores from REAC inspections carry a letter. Under the Uniform Physical Condition Standards that REAC used until NSPIRE, HUD added a letter for health and safety findings: a when none were observed, b for one or more non-life-threatening deficiencies, and c for one or more exigent or fire safety (life-threatening) deficiencies. An asterisk marks at least one smoke detector deficiency, which under that notice did not lower the number. HUD's scoring notice (66 FR 59084) gives two examples: 90c* is a property with at least one exigent or fire safety deficiency to correct, including a smoke detector deficiency, but otherwise in excellent condition; 55a is a property in poor condition even though no health and safety deficiency was observed.

Scores from NSPIRE inspections are a number only. HUD's NSPIRE rule (88 FR 30442) took effect July 1, 2023, and its amendments to the multifamily mortgage insurance regulations (24 CFR part 200) on October 1, 2023. NSPIRE scores are set by the 2023 scoring notice (88 FR 43371), which treats a score below 60 as a failed inspection and 30 or below as an automatic enforcement referral. The score also sets the next inspection under 24 CFR 5.705: every three years at 90 or above, every two years at 80 to 89, and every year below 80.

A revision is pending. On September 29, 2026 HUD proposed a revised NSPIRE scoring notice (91 FR 61432, FR Doc. 2026-19881), with comments due November 30, 2026. Every score in the current file was issued before any revision takes effect; when HUD finalizes it, we will say which notice each new score falls under.

Each property page shows its own scores, release dates and which scoring applied. How NSPIRE inspections work, and what follows a low score.

Latest scores by band

Latest released score, FHA-insured apartment properties
Latest score	Properties	Share	Under NSPIRE (24 CFR 5.705, 88 FR 43371)
90-100	6,547	69.2%	Standard 1 performer: inspected every 3 years
80-89	2,088	22.1%	Standard 2 performer: every 2 years
60-79	566	6.0%	Standard 3 performer: every year
below 60	266	2.8%	Fails under the NSPIRE scoring notice; every year
All	9,467	100%

Bands use the number only. The cycle and failure rules are NSPIRE's; 968 latest scores in the file are older REAC scores, issued under REAC's rules, and are shown on the same 0 to 100 scale.

Why it matters for a loan

Condition follows the owner. Low scores raise flags in HUD's previous participation review, monthly surplus cash distributions under Mortgagee Letter 2022-16 need a latest score of 80 or more, and a buyer taking over a HUD loan through a transfer of physical assets is reviewed on the property's condition. See surplus cash, previous participation and loan assumptions.

When the latest score was released

90% of scored properties already have an NSPIRE score. An older latest score can follow from a longer inspection cycle earned by a high score, or from a delayed inspection; HUD's file does not say why.

Properties, by year of latest release

40 properties have a latest release before 2019 (not charted). 2026 runs through October 6, 2026.

By state

States with 10 or more scored properties. Counts are properties, not loans; a property with two insured loans counts once.

Latest HUD inspection scores by state, FHA-insured apartment properties
State	Scored	Properties	Median	90+	80-89	60-79	Below 60	NSPIRE
Alabama	149	178	94	107	34	5	3	91%
Arizona	81	104	93	51	18	10	2	94%
Arkansas	85	92	94	67	14	3	1	75%
California	627	715	94	456	125	28	18	93%
Colorado	160	224	92	106	40	13	1	77%
Connecticut	112	132	94	92	16	2	2	88%
Delaware	18	27	90.5	10	5	2	1	94%
District of Columbia	68	90	93	47	13	4	4	90%
Florida	280	373	91	173	74	21	12	96%
Georgia	220	267	94	149	43	21	7	84%
Idaho	33	43	89	16	11	5	1	91%
Illinois	383	485	94	274	91	14	4	80%
Indiana	332	367	94	252	62	12	6	92%
Iowa	133	152	93	89	37	5	2	81%
Kansas	81	91	97	68	12	1	0	78%
Kentucky	170	182	93	120	34	12	4	93%
Louisiana	182	213	94	130	34	13	5	88%
Maine	26	30	90	14	9	2	1	96%
Maryland	384	486	92	239	110	20	15	86%
Massachusetts	587	656	95	487	90	9	1	96%
Michigan	415	476	94	319	75	18	3	90%
Minnesota	447	522	93	300	104	33	10	91%
Mississippi	91	110	91	56	23	9	3	91%
Missouri	186	233	94	146	25	10	5	85%
Montana	20	36	92	13	4	2	1	75%
Nebraska	63	73	91	37	22	2	2	95%
Nevada	51	62	95	41	7	2	1	76%
New Hampshire	89	127	95	77	10	2	0	94%
New Jersey	128	159	93	87	30	8	3	89%
New Mexico	54	64	83.5	18	15	12	9	98%
New York	351	449	93	238	82	23	8	86%
North Carolina	343	436	90	188	97	36	22	92%
North Dakota	19	29	94	12	5	1	1	68%
Ohio	536	621	92	355	136	27	18	95%
Oklahoma	91	115	92	60	22	9	0	88%
Oregon	111	141	88	50	33	16	12	86%
Pennsylvania	243	270	93	182	53	5	3	93%
Puerto Rico	28	30	98	27	1	0	0	86%
Rhode Island	125	132	96	112	9	2	2	82%
South Carolina	129	177	92	83	30	8	8	88%
South Dakota	17	24	96	14	2	1	0	100%
Tennessee	223	264	93	158	49	11	5	84%
Texas	774	1,061	93	513	170	56	35	95%
Utah	102	137	92	63	24	10	5	92%
Vermont	21	26	96	17	4	0	0	86%
Virginia	258	328	92	156	66	27	9	88%
Washington	163	195	91	96	43	15	9	87%
West Virginia	61	65	93	44	14	3	0	84%
Wisconsin	183	208	92	117	51	14	1	79%
Wyoming	20	21	89.5	10	9	1	0	75%

Fewer than 10 scored properties, not shown: Alaska (2), Hawaii (9), U.S. Virgin Islands (3). They are in the download.

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Method, sources and how to cite

Method

Each loan's FHA number is matched to HUD's property ID through HUD's Insured Active Multifamily FHA Property Addresses file (11,602 of 11,602 loans match), and the property ID to HUD's physical inspection score file. Scores, inspection IDs and release dates are HUD's, copied as published; we order each property's scores by release date (in a few rows HUD's second column is the newer release). "Scoring" is read off HUD's format: a score with an a, b or c letter is a REAC (UPCS) score; a score with no letter released on or after October 1, 2023 is an NSPIRE score. 23 latest scores have no letter but were released before that date (NSPIRE began for some HUD programs on July 1, 2023); we label them by format and date only. Statistics count properties, not loans. We do not rank or list properties by score.

Sources

HUD, Multifamily Housing Physical Inspection Scores by State. File MF-Inspection-Report.xls, data as of October 6, 2026, 26,357 properties
HUD, Insured Active Multifamily FHA Property Addresses (FHA number to HUD property ID). As of October 6, 2026
HUD, Insured Multifamily Mortgages, active file. As of September 30, 2026
REAC physical condition scoring notice, 66 FR 59084 (Nov. 26, 2001): score letters and asterisk
NSPIRE final rule, 88 FR 30442 (May 11, 2023)
NSPIRE scoring notice, 88 FR 43371 (July 7, 2023)
Proposed revised NSPIRE scoring notice, 91 FR 61432 (Sept. 29, 2026), comments due Nov. 30, 2026
24 CFR 5.705, inspection timing

Download the table

Inspection scores by loan (last three per property) (CSV)

Free to reuse with attribution (CC BY 4.0). HUD's underlying records are public domain.

Cite this

Endorsement Index, "HUD inspection scores on FHA-insured apartments (REAC, NSPIRE)", hudmultifamily.loan/inspections/, data as of October 6, 2026.

These are computed statistics from HUD's public files, not a rate quote or an offer of credit. Janover Capital LLC is a commercial mortgage advisor, not a lender, and is not affiliated with HUD or FHA.