Florida vs Texas
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 | Texas |
|---|---|---|
| Sale type | Tax lien certificate | Redeemable deed |
| Rate / penalty | Up to 18%, bid down to 0.25% | 25% penalty |
| Redemption | 2 years | 180 days or 2 years |
These aren't the same kind of sale: Florida runs a tax lien certificate, while Texas 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, Texas gives 180 days or 2 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 →Texas doesn't sell tax lien certificates — it sells redeemable deeds. The winning bidder takes the deed at the sale. On most property the prior owner has 180 days to redeem at a flat 25% penalty, but on a residence homestead, agricultural land or a mineral interest the window is two years, at 25% in the first year and 50% in the second (Tex. Tax Code § 34.21).
Full Texas page →Property & tax market
| | Florida | Texas |
|---|---|---|
| Median home value | $359,000 | $283,800 |
| Median property tax / year | $2,730 | $4,232 |
| Tax / home value | 0.8% | 1.5% |
| Tax / household income | 3.7% | 5.4% |
| Homes owned outright | 43.7% | 44.0% |
| “Other vacant” homes | 2.8% | 3.5% |
| Median year built | 1988 | 1992 |
A typical home in Texas pays 1.6× the property tax of one in Florida ($4,232 against $2,730 a year). That is the scale of what a typical home owes per unpaid year in each state, and of the money a certificate or a deed sale's opening bid is built from.
Homes owned outright — where no lender has a reason to pay the delinquent bill for the owner — are 43.7% of owner-occupied homes in Florida and 44.0% in Texas. The Census “other vacant” share (foreclosures, homes in legal limbo or needing repairs, abandoned homes) is 2.8% against 3.5%: Texas has more of the empty properties that tend to go unredeemed — and to need work if the deed ends up yours.
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (tables B25077, B25103, B25081, B25002, B25004, B25035, B19013). Medians of what owners report paying, not statutory rates. County-level figures are on each state page.
Quick answers
Is Florida or Texas a tax lien state?+
Florida is a tax lien certificate state. Texas is a redeemable deed state.
Which has the higher rate, Florida or Texas?+
Florida: Up to 18%, bid down to 0.25%. Texas: 25% 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 Texas?+
Redemption windows differ: Florida gives owners 2 years, Texas gives 180 days or 2 years — the state with the shorter window resolves faster, for better or worse depending on what you're optimizing for.
Are property taxes higher in Florida or Texas?+
The median homeowner pays $2,730 a year in Florida and $4,232 in Texas (U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates). A typical home in Texas pays 1.6× the property tax of one in Florida ($4,232 against $2,730 a year). That is the scale of what a typical home owes per unpaid year in each state, and of the money a certificate or a deed sale's opening bid is built from.
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.