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State-by-State Payout Map
Interactive map showing average payouts, buyer competition, and timelines in all 50 states.
State-by-State Structured Settlement Payout Map
See how much settlement holders actually receive in each state. Compare payout percentages, buyer competition, and timelines.
⭐ Top 5 States (Best Payouts)
⚠ Bottom 5 States (Lowest Payouts)
Click Any State to See Details
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Frequently Asked Questions
States with the most buyer competition offer the best rates: California (avg 9.5-12%), Florida (9-12%), Texas (10-13%), New York (10-13%), and Illinois (10-14%). Less competitive states may see rates of 14-18%.
Yes significantly. States with more active buyers create competition that lowers discount rates. Additionally, court timelines vary: Florida averages 30-45 days while New York averages 45-60 days.
You sell in the state where you reside, regardless of where the settlement was created. All 50 states plus DC have Structured Settlement Protection Acts requiring court approval.
Florida Statute 626.99296 governs structured settlement transfers. Key provisions: mandatory 3-day waiting period after court approval, independent professional advice requirement, and judge must find transfer in seller's best interest.
California Insurance Code 10139.5 is one of the strictest. Requires: 15-day waiting period, payee must be advised to seek independent professional advice, full written disclosure of discount rate, and court must determine transfer is fair and reasonable.
Texas Civil Practice & Remedies Code Chapter 141 requires: court approval, 10-day waiting period after hearing notice, written disclosure of all terms, and judicial finding that transfer is in best interest of payee and any dependents.
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Available in All 50 States
Our tools work for structured settlement holders in every state including California, Florida, Texas, New York, Illinois, Pennsylvania, Ohio, and all others. State-specific discount rates and court timelines are factored into your results.
Frequently Asked Questions
Expert answers to common questions about structured settlements
Which states pay the most for structured settlements?
California (76%), Florida (75%), Texas (75%), New York (74%), Colorado (73%). These states have 15-26+ active buyers, shorter court timelines, and favorable judges.
Why do payouts vary so much by state?
Three factors: buyer competition (more buyers = lower rates), court timelines (faster courts reduce costs), and legal requirements (some states add processing time). Gap between best (76%) and worst (62%) is thousands of dollars.
Can I sell to a company in another state?
Yes - most buyers operate nationally. However, court approval happens in YOUR state, so local timelines and laws apply regardless of buyer location.
How does buyer competition affect my payout?
More competition means more money. States with 20+ buyers see 2-5% better discount rates. States with fewer than 5 buyers give less leverage. Our tool connects you with out-of-state buyers who compete.
How long does it take to sell in my state?
Fast (30-45 days): California, Florida, Texas, Colorado, Arizona. Medium (45-60 days): New York, Illinois, Pennsylvania, Georgia, Ohio. Slow (60-90 days): Alaska, Hawaii, Wyoming.
Do I pay taxes when I sell my structured settlement?
Generally no - if from a physical injury lawsuit (most common type), the lump sum is tax-free under IRC Section 104(a)(2). Employment disputes or punitive damages may be taxable. Consult a tax professional.
What is the minimum amount I can sell?
Most buyers accept settlements with future value of $5,000+. For small amounts ($5K-$15K), fewer companies compete and rates are higher. Partial sales are available from most major buyers.
How do I sell if I moved to a different state?
Court jurisdiction follows where YOU currently reside. If you moved from Ohio to California, California courts handle approval - and you benefit from California more competitive market.
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