How Do I Sell a House with Back Taxes Owed?

If you’re behind on property taxes and starting to feel the pressure, you’re not alone. Many homeowners in Northeast Ohio have found themselves in the same situation: they’re facing financial strain, falling behind on bills, and wondering if it’s even possible to sell a house with tax debt hanging over it.

The short answer? Yes, you can sell your house even if you owe back taxes. And in many cases, selling may actually be the smartest way to protect your equity and move forward.

When property taxes go unpaid, your local county places a lien against your home. This lien gives them the legal right to collect what they’re owed, and, eventually, it can lead to a tax foreclosure where your house is auctioned off. This process doesn’t happen overnight, but once it starts, it can be hard to stop.

That’s why time is critical. The earlier you act, the more options you have to sell on your terms, instead of losing everything to the county.

Yes. A tax lien doesn’t prevent you from selling your house. It just means that some of the sale proceeds will go toward paying off the debt. This happens automatically during closing. The title company will calculate how much is owed, and the county will get paid out of the money you make from the sale.

If you have equity in your home, this could be your chance to walk away with cash in your pocket and a fresh start.

Even if you’re behind on your mortgage and owe back taxes, you still have options. A cash homebuyer or investor may be willing to purchase your home as-is and handle the liens and paperwork for you. These types of sales usually move quickly and don’t require any repairs or showings, which is ideal if you’re feeling overwhelmed.

Many homeowners in cities like Parma, Medina, Strongsville, Brunswick, and North Royalton choose this route when facing multiple financial pressures. It’s fast, flexible, and can help avoid losing the home to tax auction or foreclosure.

If you’re worried about unpaid taxes and unsure what to do, here are three steps to get started:

1. Find out how much you owe. You can call your local county auditor or check online.
2. Estimate your home’s value. Even if it’s not in perfect shape, it may be worth more than you think.

Talk to a buyer who understands distressed situations. Some buyers specialize in tax lien properties and can help walk you through the process without judgment or pressure.