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ICD-10-CM 2027

ICD-10 code for past due on rent or mortgage

Z59.81

Housing instability, housed

Header — needs a more specific code

From the official ICD-10-CM alphabetic index entry “Past due on rent or mortgage”. Page updated September 29, 2026.

About coding past due on rent or mortgage

The ICD-10-CM code for past due on rent or mortgage is Z59.81 (Housing instability, housed).

Within Z59.8 (other problems related to housing and economic circumstances), Z59.81 is specifically for housing instability, housed. Related codes cover Transportation insecurity (Z59.82), financial insecurity (Z59.86), material hardship due to limited financial resources, not elsewhere classified (Z59.87) and other problems related to housing and economic circumstances (Z59.89).

To report this condition, pick the subcode that matches the documentation: Z59.811 (with risk of homelessness), Z59.812 (homelessness in past 12 months) and Z59.819 (unspecified).

It was added in FY2022, effective October 1, 2021.

Common questions about past due on rent or mortgage ICD-10 codes

What is the ICD-10 code for past due on rent or mortgage?

Z59.81 — Housing instability, housed (a header code; report a more specific subcode).

Is Z59.81 billable?

No. Z59.81 is a header code. Report one of its more specific subcodes instead.