Great Lakes Strategic Capital — Nationwide Judgment Buyers
State-by-State Reference

Post-Judgment Interest Rates by State

What a judgment earns each year after it is entered, how each state sets that number, and a calculator to work out what is owed today.

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Estimate only. Rates and compounding rules vary; confirm with the court or an attorney.

Interest Rates by State

Every state sets its own rate, and the method varies: some are fixed by statute, some follow a federal index, and some are re-set every year or quarter.

Rates as of October 21, 2026

StateCurrent rateHow the rate is setStatuteSource
Alabama7.5%Contract judgments use the contract rateFixed by statute at 7.5% per year. Judgments on a contract bear the contract rate.Ala. Code § 8-8-10Official source
Alaska6.75%Judgments entered in 2026Three percentage points above the 12th Federal Reserve District discount rate in effect on January 2 of the year the judgment was entered. The rate is fixed when the judgment is entered and does not change afterward.Alaska Stat. § 09.30.070Official source
Arizona8%Judgments entered on or after Sept. 17, 2026 (prime 7.00%)The lesser of 10% or the prime rate plus 1% on the date of judgment, fixed for the life of the judgment. Contract judgments use the contract rate.A.R.S. § 44-1201Official source
Arkansas6%Judgments entered on or after Sept. 17, 2026The Federal Reserve primary credit rate on the date of judgment plus 2%, capped at 17%. Contract judgments use the contract rate if higher.Ark. Code Ann. § 16-65-114Official source
California10%Fixed by statute at ten percent per year on the unpaid principal of the judgment.Cal. Civ. Proc. Code § 685.010Official source
Colorado8%Compounded annually; appealed judgments use a market rate8% per year compounded annually, unless a contract sets a rate. If the debtor appeals, a market rate set each year applies instead.C.R.S. § 5-12-102(4); § 5-12-106Official source
Connecticut10%Maximum — the court sets the rate (0–10%)Discretionary. The court may award post-judgment interest up to 10% per year; 5% maximum on hospital-services debt.Conn. Gen. Stat. § 37-3aOfficial source
Delaware9%Federal Reserve discount rate of 4.00% (since Sept. 17, 2026)5% over the Federal Reserve discount rate. Contract judgments bear the lesser of the contract rate or this rate.6 Del. C. § 2301Official source
Florida7.87%Quarter beginning October 1, 2026Set every quarter by the state’s Chief Financial Officer, based on the average of specified bond yields.Fla. Stat. § 55.03Official source
Georgia10%Judgments entered on or after Sept. 17, 2026 (prime 7.00%)The prime rate on the day the judgment is entered plus 3%, fixed for the life of the judgment. Judgments on a written contract use the contract rate.O.C.G.A. § 7-4-12Official source
Hawaii10%Fixed by statute at 10% per year.Haw. Rev. Stat. § 478-3Official source
Idaho8.875%Effective July 1, 2026 – June 30, 2027Five percent plus a base rate the State Treasurer determines each July 1. The rate applies to judgments entered during the following twelve months.Idaho Code § 28-22-104Official source
Illinois9%5% for consumer debt judgments of $25,000 or lessFixed by statute at nine percent per year. Consumer debt judgments of $25,000 or less draw five percent, and judgments against a local government unit draw six percent.735 ILCS 5/2-1303Official source
Indiana8%Contract rate if lower8% per year, or the contract rate if it is lower than 8%.Ind. Code § 24-4.6-1-101Official source
Iowa6.47%Judgments entered October 2026The one-year Treasury constant maturity rate plus 2%, published monthly by the State Court Administrator and fixed on the date of judgment. Contract judgments use the contract rate.Iowa Code §§ 535.3, 668.13Official source
Kansas7.75%Judgments entered July 1, 2026 – June 30, 2027Four points above the Federal Reserve discount rate as of July 1, published each year by the Secretary of State.K.S.A. 16-204Official source
Kentucky6%Fixed by statute at six percent per year, compounded annually. Judgments on a written contract carry the contract rate.KRS 360.040Official source
Louisiana7.5%Calendar year 2026; changes each January 13.25 points above the Federal Reserve discount rate on the first business day of October, set each year by the Commissioner of Financial Institutions for the following calendar year.La. R.S. 13:4202Official source
Maine9.5%Approximate — confirm the exact 2026 figure with the courtThe one-year Treasury bill rate for the last full week of the prior year plus 6%, fixed when the judgment is entered. Contract judgments use the greater of the contract rate or this rate.14 M.R.S. § 1602-COfficial source
Maryland10%6% for unpaid residential rentFixed by statute at ten percent per year. Judgments for unpaid residential rent draw six percent.Md. Code, Cts. & Jud. Proc. § 11-107Official source
Massachusetts12%Contract rate may apply in contract cases12% per year on the full judgment, including prejudgment interest.M.G.L. c. 235, § 8Official source
Michigan4.959%Rate beginning July 1, 2026One percent plus the average five-year Treasury note rate, reset each January 1 and July 1. Judgments on a written contract may carry the contract rate, up to 13 percent.MCL 600.6013Official source
Minnesota10%Judgments over $50,000Fixed at ten percent per year for judgments over $50,000. Judgments of $50,000 or less use a lower rate the State Court Administrator sets each December.Minn. Stat. § 549.09Official source
MississippiSet by courtSet by the judge in each judgmentJudgments on a contract bear the contract rate. All other judgments bear a rate the judge sets in the judgment.Miss. Code Ann. § 75-17-7Official source
Missouri9%Non-tort judgmentsFixed at nine percent per year for non-tort judgments. Tort judgments use the federal funds rate plus five percent, fixed when the judgment is entered.RSMo § 408.040Official source
Montana9.75%Calendar year 2026The prime rate as of January 1 plus 3%, not compounded. Contract judgments use the contract rate.Mont. Code Ann. § 25-9-205Official source
Nebraska6.441%Effective October 15, 2026Two points above the bond-equivalent yield of the 26-week Treasury bill, updated after each auction cycle by the State Court Administrator.Neb. Rev. Stat. § 45-103Official source
Nevada8.75%Prime rate of 6.75%, effective July 1, 2026The prime rate at the date of the judgment plus two percentage points, fixed when the judgment is entered.NRS 17.130Official source
New Hampshire5.7%Calendar year 2026 — confirm with the courtThe 26-week Treasury bill discount rate at the last auction before September 30, plus 2%, set each year by the State Treasurer. Simple interest.RSA 336:1, IIOfficial source
New Jersey6.5%Calendar 2026; 4.5% at or below the Special Civil Part limitThe State Cash Management Fund’s average return plus two percentage points for judgments above the Special Civil Part limit, and the base rate alone for judgments at or below it. Set each year.N.J. Ct. R. 4:42-11Official source
New Mexico8.75%15% if the judgment is based on tortious conduct, bad faith, or intentional actsFixed by statute at 8.75% per year. Judgments on a written instrument use that rate if lower; judgments based on tortious conduct, bad faith, or intentional or willful acts draw 15%.NMSA 1978 § 56-8-4Official source
New York9%2% for consumer debt judgments against a personFixed by statute at nine percent per year. Consumer debt judgments against a natural person draw two percent.CPLR § 5004Official source
North Carolina8%Fixed by statute at the eight percent legal rate.N.C. Gen. Stat. § 24-5Official source
North Dakota10%Judgments entered in 2026Set each December by the State Court Administrator for judgments entered during the following calendar year.N.D.C.C. § 28-20-34Official source
Ohio7%Calendar year 2026The federal short-term rate, rounded to the nearest whole percent, plus three percentage points, determined each October 15.R.C. 5703.47Official source
Oklahoma8.75%Calendar year 2026; resets each January 1The prime rate in the first Wall Street Journal of the year plus 2%. The rate resets each year on the unpaid balance. Contract judgments use the contract rate.12 O.S. § 727.1Official source
Oregon9%Fixed by statute at nine percent per year on judgments for the payment of money.ORS 82.010Official source
Pennsylvania6%Judgments bear interest at the lawful rate, which is six percent per year unless another statute provides otherwise.42 Pa.C.S. § 8101; 41 P.S. § 202Official source
Rhode Island12%Fixed by statute at twelve percent per year, accruing on both the principal and the accrued interest.R.I. Gen. Laws § 9-21-10Official source
South Carolina10.75%2026 orderThe prime rate as published in the first Wall Street Journal of the year, plus four percentage points, compounded annually. The Supreme Court confirms the rate each January.S.C. Code § 34-31-20(B)Official source
South Dakota10%The Category B rate of 10% per year.SDCL 54-3-5.1, 54-3-16Official source
Tennessee11%A formula rate the Commissioner of Financial Institutions publishes, based on the average prime loan rate. The rate is set twice a year, for judgments entered January–June and July–December.Tenn. Code Ann. § 47-14-121Official source
Texas6.75%Judgments rendered in October 2026; 7.00% expected for November 2026Set monthly by the Office of Consumer Credit Commissioner: the prime rate on the 15th of the prior month, with a floor of 5% and a cap of 15%. Judgments on a contract that sets a rate bear the lesser of the contract rate or 18%. The rate is fixed for the life of the judgment.Tex. Fin. Code §§ 304.002–304.003Official source
Utah5.51%Calendar year 2026The federal post-judgment interest rate as of January 1, plus two percentage points.Utah Code § 15-1-4Official source
Vermont12%Fixed by statute at twelve percent per year, computed by the actuarial method.9 V.S.A. § 41aOfficial source
Virginia6%Fixed by statute at the six percent judgment rate, unless the contract or instrument fixes a different rate.Va. Code § 6.2-302Official source
Washington12%Tort judgments: prime + 2%; consumer debt: 9%12% for most judgments. Tort judgments draw 2 points above prime, consumer-debt judgments 9%, and contract judgments the contract rate.RCW 4.56.110Official source
West Virginia6.25%Judgments entered in 2026Two percentage points above the Fifth Federal Reserve District secondary discount rate in effect on January 2 of the year the judgment was entered, with a floor of four percent and a cap of nine percent. Set each January.W. Va. Code § 56-6-31Official source
Wisconsin7.75%January 1 – December 31, 2026One percent plus the prime rate in effect on January 1 or July 1, fixed when the judgment is entered. Judgments entered on or before June 30 use the January 1 rate.Wis. Stat. § 815.05(8)Official source
Wyoming10%Contract rate if agreed10% per year. Judgments on a contract with an agreed rate use that rate.Wyo. Stat. § 1-16-102Official source

A rate is shown only where it could be confirmed on an official state court or legislature website, or against the statute text itself, and the source column links to that page. Where the only text of a statute available is an unofficial republication, the source says so. Rates marked “Approximate” must be confirmed with the court, and states marked “Not yet listed” have been left blank rather than estimated. Rates change on their own schedules, so confirm the current figure with the court or an attorney before relying on it.

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