Mississippi · Law checked October 19, 2026

Mississippi tax sale: your deadline, your office, your money

Behind on property taxes in Mississippi? Your house can be sold at a tax sale — here's how much time you have to stop it. Your house was sold at a tax sale in Mississippi? The extra money from the sale may be yours to claim — and there's a deadline. Both answers are on this page, from the statute.

Count my Mississippi deadline

How Mississippi sells

The machine, in four lines

Door one: getting the house back (redemption)

Your window: 2 years after the day of the sale, counted from the sale date. Statute-verified

What it costs to redeem: All taxes the land was sold for + sale costs + 5% damages on the taxes + interest at 1.5% per month from the sale date + costs accrued since at the same rate — paid to the chancery clerk, regardless of what the buyer bid.

Source: Miss. Code §27-45-3

Before any sale: your quieter doors

Payment plans: No state payment-plan right found — collector/county discretion.

Deferrals (senior / veteran / disability): None found.

Door two: the extra money (surplus)

Who holds the money: the County treasury (claim certified by the Chancery Clerk; the Board of Supervisors orders payment).

Your claim window: If the property is NOT redeemed, the owner must request the excess within 2 years after the redemption period expires — so the outside date is about 4 years after the sale. The tax collector reports the excess to the chancery clerk, who certifies the claim. Statute-verified

If nobody claims it: Excess not requested in time is retained by the county (general funds). Note the trap: if the land IS redeemed, or the buyer's title fails, the county also keeps the overbid under §27-41-77.

Source: Miss. Code §27-41-77

The county figure rule. This page gives you the law — the window, the formula, the office. The exact payoff or surplus figure lives in the Tax collector (sheriff); Chancery Clerk (redemption & claims)'s books and changes as interest runs. Ask that office for the figure, in writing, and keep the letter.

Included in the $49 TaxSaleDecoded Kit

  • The surplus claim pack: how to prove the house was yours (deed records, address history, ID), the claim-form path in your state, and what to do when the county says it has no record of your money
  • The redemption playbook: your state's window and cost formula worked step by step, who to pay, how to prove you paid, and the traps in the payoff figure (added fees and interest)
  • The heirs page: the house was a parent's — what changes, which papers prove you are an heir, and the point where it stops being simple
  • The scam shield: how surplus-recovery companies work, the fee caps your state sets for them, and the assignment papers you should never sign
  • The lookback module: what Tyler won, what Pung limited (the extra money is the sale price minus the debt — not your home's value), and the dated state lookbacks, including Illinois claims that die in July 2028

Get the TaxSaleDecoded Kit — $49

One payment of $49. No subscription. The kit is a web page you can return to and print — the claim pack, the redemption playbook, the heirs page, and the scam shield.

All 50 states · The surplus, explained · Redemption, explained