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Published on: 8/20/2026

What causes toenail fungus, and who is most at risk?

Toenail fungus (onychomycosis) is a common infection caused by microscopic organisms—typically dermatophytes, yeasts, or molds—that thrive in warm, moist environments like sweaty shoes, locker rooms, and public showers. You're at higher risk if you're older, an athlete, or living with conditions such as diabetes, poor circulation, or a weakened immune system. Symptoms often include thickened, discolored, or brittle nails.

Because toenail fungus can look similar to other nail conditions—and because underlying health issues can make it worse—identifying the cause early matters. A free, instant, online symptom check can help you understand what may be behind your nail changes and guide your next steps, whether that's home care or seeing a doctor.

Reviewed for medical accuracy: 07/15/2026

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Toenail fungus occurs because tiny fungi, like dermatophytes and yeasts, can get into your nail when you are in damp places. These fungi love warm and wet areas, so places like locker rooms, swimming pools, or even sweaty socks can make it easier for the fungus to grow. People who often spend time in these environments, such as athletes, are more at risk. Also, older adults and those with conditions like diabetes or weakened immune systems have a harder time fighting off infections, so they can be more likely to get toenail fungus. In addition, people with poor foot hygiene or who wear tight shoes that don't let air in may also be at higher risk. To help prevent toenail fungus, keep your feet dry and clean, wear shoes that allow your feet to breathe, and avoid walking barefoot in places where fungus likes to grow. If you're experiencing symptoms and want to understand what might be causing them, try Ubie's free AI-powered symptom checker or consult with a healthcare professional for the best treatment options.

(References)

  • Ghannoum M, Isham N. Fungal nail infections (onychomycosis): a never-ending story? PLoS Pathog. 2014 Jun 5;10(6):e1004105. doi: 10.1371/journal.ppat.1004105. PMID: 24901242; PMCID: PMC4047123.

  • Elewski BE, Tosti A. Risk Factors and Comorbidities for Onychomycosis: Implications for Treatment with Topical Therapy. J Clin Aesthet Dermatol. 2015 Nov;8(11):38-42. PMID: 26705439; PMCID: PMC4689496.

  • Albucker SJ, Falotico JM, Choo ZN, Matushansky JT, Lipner SR. Risk Factors and Treatment Trends for Onychomycosis: A Case-Control Study of Onychomycosis Patients in the All of Us Research Program. J Fungi (Basel). 2023 Jun 29;9(7):712. doi: 10.3390/jof9070712. PMID: 37504701; PMCID: PMC10381528.

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