Florida vs South Carolina
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 | South Carolina |
|---|---|---|
| Sale type | Tax lien certificate | Redeemable deed |
| Rate / penalty | Up to 18%, bid down to 0.25% | 3–12% of the bid by quarter, capped at the opening bid |
| Redemption | 2 years | 12 months |
These aren't the same kind of sale: Florida runs a tax lien certificate, while South Carolina 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, South Carolina gives 12 months — 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 →South Carolina auctions the property itself, bid up from a mandatory opening bid equal to the taxes, penalties and costs (S.C. Code § 12-51-55). The owner may redeem within twelve months by paying the bid plus a lump sum of 3%, 6%, 9% or 12% depending on the quarter, never more than the opening bid (§ 12-51-90); otherwise the buyer receives a tax title (§ 12-51-130).
Full South Carolina page →Quick answers
Is Florida or South Carolina a tax lien state?+
Florida is a tax lien certificate state. South Carolina is a redeemable deed state.
Which has the higher rate, Florida or South Carolina?+
Florida: Up to 18%, bid down to 0.25%. South Carolina: 3–12% of the bid by quarter, capped at the opening bid. Compare the actual statutory ceiling, not just the headline number — most "up to" rates get bid down at auction.
Which redeems faster, Florida or South Carolina?+
Redemption windows differ: Florida gives owners 2 years, South Carolina gives 12 months — 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.