tax lien
Indiana tax lien guide
Indiana ordinary tax sales use tiered redemption amounts. This calculator covers a regular certificate bought for exactly the statutory minimum bid; overbids, commissioner sales, and special property proceedings are excluded.
Source review applies to the named instrument and scope in the worked example below. It does not cover every county procedure or transaction in Indiana.
When does the clock start?
The sale date starts the ordinary tier clock. Later tax payments require separate dates; commissioner certificate sales use a different route.
How and when is a return earned?
10% through six months; 15% after six months through one year
What amount earns a return?
Statutory minimum bid only; this model excludes any excess bid.
What happens at redemption?
The ordinary certificate model covers the one-year redemption period. Commissioner sales and special property proceedings can have different deadlines.
When does earning end?
A purchaser must complete the statutory notices and deed procedure if redemption does not occur.
Does property use change the rules?
Classification sources checked 2026-09-15. Review applies to the procedures described below; calculator support is stated separately.
Property on the auditor’s statutory vacant and abandoned list has no post-sale redemption right under IC 6-1.1-25-4(a). Ordinary sales generally permit one year; this is a change in the sale’s legal rights, not simply a shorter interest calculation.
Verify the auditor’s statutory list and governing redemption rule before bidding. Commissioner certificate sales and qualified-agency transactions also require separate timing; physical vacancy alone is not the operative legal record.
What to verify before bidding
Obtain the auditor’s vacant/abandoned list and certification, governing sale notice, sale statute and written confirmation of whether any post-sale redemption right exists.
What this calculator covers
The example expressly excludes vacant/abandoned parcels and commissioner certificate sales. It cannot price those transactions or determine legal abandonment.
Try the rules
A worked redemption example
Indiana ordinary certificate purchased at minimum bid. Original private purchase only, no subsequent taxes, added costs, partial payments, special status, bankruptcy, court action or deadline extension. Purchase price must equal the statutory minimum bid. Excludes overbids, commissioner certificate sales and vacant/abandoned parcels.
Statutory minimum bid only; this model excludes any excess bid.
The prefilled amounts and any collector conventions below are illustrative assumptions. Confirm those facts for an actual holding.
How the return grows
Redemption premiums over time.
Original private purchase only, no subsequent taxes, added costs, partial payments, special status, bankruptcy, court action or deadline extension. Purchase price must equal the statutory minimum bid. Excludes overbids, commissioner certificate sales and vacant/abandoned parcels.
View values at each change
| Date | Interest and premium |
|---|---|
| Mar 15, 2026 | $100.00 |
| Sep 16, 2026 | $150.00 |
| Mar 15, 2027 | $150.00 |
10% through six months; 15% after six months through one year Values use the inputs above and the same calculator as the worked example.
- Interest
- $0.00
- Minimum top-up at redemption
- $0.00
- Redemption premium
- $100.00
- Statutory interest and premium at redemption
- $100.00
Estimated repayment including the documented base: $1,100.00.
- Single 10% redemption premium on the minimum bid. The 15% later tier replaces, rather than adds to, the 10% earlier tier.
- Conditional investor proceeds at redemption; excludes later advances and expenses. This is not recognized accounting income or a collector payoff quote.
Illustrative statutory components only, not investment profit. Nonrefundable overbids and fees can produce a loss even when interest is earned. Cash receipts, property value, sale proceeds and booked income are separate.
Before you bid
What to watch for
- Applying 10% or 15% to a large overbid overstates the return.
- Calculator scope: Original private purchase only, no subsequent taxes, added costs, partial payments, special status, bankruptcy, court action or deadline extension. Purchase price must equal the statutory minimum bid. Excludes overbids, commissioner certificate sales and vacant/abandoned parcels.
Read the rules
Official sources
Use the governing law and the county’s sale terms to confirm the rules for your certificate or deed.
Keep reading
Related guides
Compare nearby states, then return to the full library or the product page that matches this instrument.