Florida vs Georgia
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 | Georgia |
|---|---|---|
| Sale type | Tax lien certificate | Redeemable deed |
| Rate / penalty | Up to 18%, bid down to 0.25% | 20% penalty |
| Redemption | 2 years | 1 year |
These aren't the same kind of sale: Florida runs a tax lien certificate, while Georgia runs a redeemable deed. That changes what you actually hold after the sale — a claim against the debt in one case, the property itself (or a right to it) in the other.
Redemption windows differ: Florida gives owners 2 years, Georgia gives 1 year — 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 →Georgia also uses redeemable deeds: the winning bidder takes the deed at auction, and the previous owner has one year to redeem by paying a 20% penalty on top of the purchase price.
Full Georgia page →Quick answers
Is Florida or Georgia a tax lien state?+
Florida is a tax lien certificate state. Georgia is a redeemable deed state.
Which has the higher rate, Florida or Georgia?+
Florida: Up to 18%, bid down to 0.25%. Georgia: 20% penalty. Compare the actual statutory ceiling, not just the headline number — most "up to" rates get bid down at auction.
Which redeems faster, Florida or Georgia?+
Redemption windows differ: Florida gives owners 2 years, Georgia gives 1 year — 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.