DashboardState Comparison

State Foreclosure Comparison

Key foreclosure metrics across all 10 covered states — filterable, sortable, and side-by-side comparable.

Judicial Only

Non-Judicial

Both Methods

Mandatory E-Filing

Has Redemption

Method:

E-Filing:

Redemption:

10 of 10 states

Click any row to select states for side-by-side comparison (up to 4).

State	Primary Method	Timeline (Uncontested)	Avg Days	Redemption	Deficiency	Mediation	E-Filing	Filing Fee	Presuit Notice	Sale Type	2025 Filings
🌵 Arizona AZ	Non-Judicial	90–120 days	105	None	Limited Anti-deficiency bars judgment on qualifying residential (A.R.S. §33-814)	None No mandatory mediation program	Mandatory	~$350	90 days before sale (NTS recording)	Trustee's Sale (public auction)	9,000
🐻 California CA	Non-Judicial	4–6 months	150	None	Limited No deficiency on purchase money loans; one-action rule (CCP §726)	None No statewide mandatory mediation; HBOR single point of contact required	Optional	N/A (non-judicial)	30-day preforeclosure contact + NOD (90-day cure period)	Trustee's Sale (public auction)	48,000
🌴 Florida FL	Judicial	6–9 months	240	None	Yes Deficiency judgment available; 1-year statute of limitations	Optional Managed mediation program available; not mandatory	Mandatory	$401 (residential)	None required (complaint is first notice)	Judicial Sale (Clerk of Court)	54,000
🌺 Hawaii HI	Both	12–18 months (judicial); 6–12 months (non-judicial)	450	None	Judicial only Deficiency available in judicial; limited in non-judicial	Mandatory (owner-occ) HFIC mediation mandatory for owner-occupant non-judicial foreclosures	Optional	$465 (circuit court)	60-day preforeclosure notice (HRS §667-22)	Public Auction (non-judicial) or Commissioner Sale (judicial)	800
🌽 Illinois IL	Judicial	7–12 months	300	Yes (7 months)	Yes Deficiency judgment available after judicial sale confirmation	County-level Mandatory in Cook, Lake, Will, Kane, Winnebago counties	Mandatory	$264–$604 (Verified Statement tiers)	30-day preforeclosure notice required (735 ILCS 5/15-1502.5)	Judicial Sale (Sheriff or Selling Officer)	25,000
🏎️ Indiana IN	Judicial	5–9 months	210	None	Yes Deficiency judgment available after sale confirmation	Optional Settlement conference right for owner-occupants (IC 32-30-10.5)	Mandatory	$157 (base MF case type)	30-day presuit notice required (IC 32-30-10.5-8)	Sheriff Sale (public auction)	22,000
🐎 Kentucky KY	Judicial	6–12 months	270	Yes (6 months)	Yes Deficiency judgment available; appraisal required before sale	None No mandatory mediation program	Mandatory	~$200	None required	Master Commissioner Sale	3,800
🔴 Ohio OH	Judicial	6–12 months	270	None	Yes Deficiency judgment available after confirmation	County-level Available in many counties; not statewide mandatory	Varies	~$200–$350	None required	Sheriff Sale (public auction)	22,000
🔔 Pennsylvania PA	Judicial	9–18 months	360	None	Yes Deficiency judgment available; 6-month limitation period	County-level Mandatory in Philadelphia, Allegheny, and several other counties	Varies	~$250–$400	Act 91 Notice (30-day) + Act 6 Notice (30-day) required	Sheriff Sale (public auction)	16,000
🌙 South Carolina SC	Judicial	5–8 months	195	Yes (30 days)	Yes Deficiency judgment available after confirmation	None No mandatory mediation program	Mandatory	$150 (residential)	None required	Judicial Sale (Master-in-Equity)	13,000

Key Notes by State

🌵

AZ — 91-day rule strictly enforced — sales before 91 days are void.

🐻

CA — AB 2424 (eff. Jan 1, 2025): 67% FMV minimum bid; 45-day postponement right for owner-occupants.

🌴

FL — Timeshare non-judicial option (§721.855) significantly faster than judicial path.

🌺

HI — Longest average foreclosure timeline in the US (2,505 days per ATTOM). Land Court properties require separate Land Court action.

🌽

IL — Complaint must name "Unknown Owners and Non-Record Claimants" verbatim. Redemption period is a critical deadline.

🏎️

IN — Highest foreclosure rate in the US (Feb 2026: #1 per ATTOM). 30-day presuit notice is strictly required.

🐎

KY — All sales conducted by Master Commissioner, not sheriff. Property appraisal required before sale (KRS 426.520).

🔴

OH — Appraisal required; sale price must be ≥2/3 of appraised value. Confirmation hearing required post-sale.

🔔

PA — Dual presuit notice requirement (Act 91 + Act 6) is unique to PA. Philadelphia has mandatory mediation.

🌙

SC — Lis pendens must be filed ≤20 days before complaint AND ≥20 days before decree (§15-11-10). Upset bid period is unique to SC.

Data sources: ATTOM Data Solutions (Feb 2026), Hawaii Judiciary, state court websites. 2025 filings are estimates. Timelines are averages for uncontested cases; contested matters vary significantly.