Foreclosure Reference

Foreclosure Timeline by State

Foreclosure timelines vary dramatically by state — from 40 days (Tennessee, Georgia) to multiple years (New Jersey, New York). Below: a per-state overview of the type of foreclosure used, typical duration, redemption period, and key consumer protections.

Not legal advice. The information on these pages is general educational content. If you're facing foreclosure, contact a HUD-approved housing counselor (free) at hud.gov/findacounselor and consult a licensed attorney in your state.

Fast states (under 4 months)

Non-judicial foreclosure with limited consumer protections. Once the process starts, the auction date arrives quickly.

AL Alabama 60-90 days AZ Arizona 90-120 days GA Georgia 40-90 days MS Mississippi 60-90 days MO Missouri 60-90 days NH New Hampshire 60-90 days NC North Carolina 90-120 days TN Tennessee 40-60 days TX Texas 60-90 days VA Virginia 60-90 days WV West Virginia 60-90 days WY Wyoming 60-90 days

Medium states (4-9 months)

Mostly non-judicial foreclosure with mandatory mediation or hybrid procedures that add time.

AK Alaska 105 days minimum (non-judicial); judicial varies AR Arkansas 4-6 months (non-judicial); 6-12 months (judicial) CA California 120-200+ days CO Colorado 110-180 days DE Delaware 6-9 months ID Idaho 120-180 days LA Louisiana 6-9 months MD Maryland 6-12 months MA Massachusetts 5-10 months (non-judicial); judicial varies MI Michigan 60-90 days plus 6-month redemption MN Minnesota 90-180 days plus 6-month redemption MT Montana 4-7 months (non-judicial); 9-15 months (judicial) NE Nebraska 90-180 days (non-judicial); 6-12 months (judicial) NV Nevada 120-200+ days OK Oklahoma 4-6 months (non-judicial); 6-12 months (judicial) OR Oregon 120-180 days RI Rhode Island 90-180 days SD South Dakota 4-6 months (non-judicial); 6-12 months (judicial) UT Utah 4-5 months WA Washington 120-200 days DC District of Columbia 4-6 months

Slow states (9+ months)

Judicial foreclosure required, often with mandatory mediation. Borrowers have substantial time to pursue alternatives.

CT Connecticut 6-12+ months FL Florida 8-14+ months HI Hawaii 12-24+ months IL Illinois 10-18+ months IN Indiana 9-15+ months IA Iowa 5-9 months KS Kansas 5-10 months KY Kentucky 6-12+ months ME Maine 12-18+ months NJ New Jersey 24-48+ months NM New Mexico 6-10 months NY New York 18-36+ months ND North Dakota 6-9 months OH Ohio 6-12+ months PA Pennsylvania 8-14+ months SC South Carolina 6-12 months VT Vermont 6-12+ months WI Wisconsin 10-15+ months

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