Florida vs Colorado
Same underlying data as the individual state pages, side by side. Statutory rates and redemption windows only — always confirm against the county's own auction notice before bidding.
| | Florida | Colorado |
|---|---|---|
| Sale type | Tax lien certificate | Tax lien certificate |
| Rate / penalty | Up to 18%, bid down to 0.25% | Federal discount rate + 9%, bid down |
| Redemption | 2 years | 3 years |
Both states run the same kind of sale — tax lien certificate — so the real difference between them comes down to rate and redemption, not the underlying mechanism.
Redemption windows differ: Florida gives owners 2 years, Colorado gives 3 years — the state with the shorter window resolves faster, for better or worse depending on what you're optimizing for.
Florida sells tax lien certificates at auction with bidding conducted by bid-down — investors compete by accepting a lower interest rate, down from the statutory maximum of 18%. Property owners have two years to redeem before the certificate holder can apply for a tax deed.
Full Florida page →Colorado's rate is indexed rather than fixed — it floats at the Federal Reserve discount rate plus a 9-point statutory spread, recalculated each September. Bidding happens on premium paid, not the rate. Redemption runs three years.
Full Colorado page →Quick answers
Is Florida or Colorado a tax lien state?+
Florida is a tax lien certificate state. Colorado is a tax lien certificate state.
Which has the higher rate, Florida or Colorado?+
Florida: Up to 18%, bid down to 0.25%. Colorado: Federal discount rate + 9%, bid down. Compare the actual statutory ceiling, not just the headline number — most "up to" rates get bid down at auction.
Which redeems faster, Florida or Colorado?+
Redemption windows differ: Florida gives owners 2 years, Colorado gives 3 years — the state with the shorter window resolves faster, for better or worse depending on what you're optimizing for.
Want to line up more than two states, or swap in different ones? Use the interactive comparison tool — up to four states at once.
See where these two rank against all 50 states: full rankings.
This page is general information, not financial or legal advice. Rates and redemption periods are set by state statute and can change by county or legislative session — always confirm against the county's own auction notice before bidding.