Indiana Counties

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New construction (2025, total across the counties listed below, Census Building Permits Survey)

HUD Fair Market Rent (average of the counties listed below, FY 2026)

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How foreclosure works in Indiana

Indiana is a judicial foreclosure state. A mortgage foreclosure goes through the circuit or superior court in the county where the property is located.

Indiana has no fixed foreclosure length. The law sets minimum waits (below), not a total length; after them, the court and the county sheriff’s scheduling of the sale set the pace, and contested cases can take longer than uncontested ones.

Day counts below are estimates from the first missed payment, not set by law.

1. Default (estimated Day 0): The borrower misses mortgage payments. For a principal residence, federal servicing rules generally bar a foreclosure filing until the loan is more than 120 days delinquent (12 CFR 1024.41(f)).
2. Pre-suit notice (estimated Day 60–90): Before many home mortgage foreclosures, the lender must send a pre-suit notice on a form prescribed by the Indiana Housing and Community Development Authority at least thirty days before filing (IC 32-30-10.5-8, as stated by IHCDA). The form says the creditor may start foreclosure if the default continues thirty more days and lists the free Indiana Foreclosure Prevention Network.
3. Complaint filed (estimated Day 120+): The lender files a foreclosure complaint in the circuit or superior court of the county where the property is located. This is the first public court record.
4. Service of process (estimated Day 130–150): The borrower is formally served. Court rules set 20 days after service to file a response (Ind. Trial Rule 6(D)(1)), plus 3 days when the papers are served by mail (6(G)); if the owner is served by publication, the response is due 30 days after the last published notice (Ind. Trial Rule 4.13(B)(6)). One automatic 30-day extension is available by filing a notice (6(B)).
5. Settlement conference (estimated Day 130–200): Borrowers in foreclosure cases filed after June 30, 2009 generally have the legal right to request a settlement conference with the lender when the home is the borrower’s primary residence, a face-to-face meeting to try to work out a deal before a foreclosure takes place (IC 32-30-10.5). The notices of that right are not required after the borrower defaulted on an earlier foreclosure prevention agreement, or when bankruptcy law bars the creditor from the conference (IC 32-30-10.5-8(e)).
6. Answer period ends (estimated Day 150–200): If the borrower does not answer, the lender can ask the court for a default judgment.
7. Summary or default judgment (estimated Day 170–240): The court enters a judgment of foreclosure, by default (no answer) or on a motion for summary judgment.
8. Sale timing and notice (estimated Day 200–270): Indiana Code 32-29-7-3(a) bars issuing process to carry out the judgment or sale order until 3 months after the complaint is filed (12 months for a mortgage made before 1958, 6 months for one made from 1958 through June 30, 1975). The sale can proceed when judgment is entered if the court finds the property abandoned (IC 32-29-7-3(a)(2)), and the owner may, with the judgment holder’s consent, waive the wait in exchange for a release of any deficiency judgment (IC 32-29-7-5). The sheriff advertises the sale once a week for three successive weeks, the first notice at least 30 days before the sale, serves a notice of sale on each owner (IC 32-29-7-3(e)), and schedules the sale for no later than 120 days after the judgment is certified to the sheriff (60 days for a judgment on abandoned property under IC 32-30-10.6-5) (IC 32-29-7-3(c)). None of these is computed here; the notice of sale gives the date, and a sale can be postponed.
9. Sheriff sale (estimated Day 270–360): Public auction run by the county sheriff. Payment terms are set by each county sheriff.
10. Sheriff’s deed (estimated Day 280–380): After the sale, the sheriff delivers a deed to the buyer.
11. Possession (estimated Day 290–400): If occupants remain, a buyer can ask the court for a writ of assistance (a court order); the Newton County Sheriff, for example, describes serving the writ and then removing occupants.

Redemption: Before the sale, any owner or part owner can redeem the property from the judgment by paying the judgment, interest and costs to the clerk (before the judgment is sent to the sheriff) or to the sheriff (after) (IC 32-29-7-7). Indiana Code 32-29-7-13 says there may be no redemption from the foreclosure of a mortgage made after June 30, 1931 except as IC 32-29-7 and IC 32-29-8 provide; IC 32-29-7 gives the owner no right to redeem after the sale. An attorney licensed in Indiana can say what applies in a specific case.

Deficiency judgments: If any part of the judgment, interest or costs is still unpaid after the sale, the sheriff levies the rest on the defendant’s other property (IC 32-29-7-8); whether the borrower owes a balance depends on the judgment the court entered. An owner who waives the 3-month wait with the judgment holder’s consent gets a release of any deficiency judgment (IC 32-29-7-5). An attorney licensed in Indiana can say what applies in a specific case.

Reinstatement: Whether the owner can catch up by paying only the missed payments usually depends on the mortgage and the lender’s loss-mitigation rules. Paying the full judgment, interest and costs before the sale ends the case (IC 32-29-7-7).

Mediation: Borrowers in foreclosure cases filed after June 30, 2009 generally have the legal right to request a settlement conference with the lender when the home is the borrower’s primary residence, a face-to-face meeting to try to work out a deal before a foreclosure takes place (IC 32-30-10.5). The notices of that right are not required after the borrower defaulted on an earlier foreclosure prevention agreement, or when bankruptcy law bars the creditor from the conference (IC 32-30-10.5-8(e)).

Full guide: How foreclosure works in Indiana. Federal servicing rules: the CFPB 120-day pre-foreclosure rule (12 CFR 1024.41(f)).

General information about Indiana law, checked October 2026. Day ranges are estimates and may not match a specific case. This is not legal advice and does not create an attorney-client relationship. Talk to an attorney licensed in Indiana before relying on it.

Read more: Indiana foreclosure timeline and the foreclosure timeline by state.

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