Kentucky Security Deposit Law
Kentucky rules on security deposits for renters and landlords, with the statute or official page behind each answer. Last verified: 2026-10-22.
Short answer: No statutory cap (statewide or under URLTA). KRS 383.580
The rules in Kentucky
| Security deposit limit | No statutory cap (statewide or under URLTA). The URLTA deposit section sets procedures but no maximum; no statewide deposit statute was found outside URLTA. Source: KRS 383.580 |
|---|---|
| Deposit return deadline | Non-URLTA areas: no statute. URLTA areas: no fixed refund deadline; if the tenant leaves owing no rent with a refund due, the landlord must send notice of the refund amount to the tenant's last known address and may keep the deposit if the tenant does not respond within 60 days. If the tenant leaves without paying the last month's rent and does not demand the deposit, the landlord may apply it after 30 days. URLTA (KRS 383.505-383.705) applies only where locally adopted (KRS 383.500). Source: KRS 383.580(6)-(7) |
| Itemized deductions | URLTA areas: before taking a deposit, the landlord must give a signed move-in list of existing damage with estimated repair costs; at move-out the landlord must inspect and compile a signed list of damages with estimated costs, which the tenant may inspect and dispute in writing. Deposits must be kept in a separate account at a regulated institution and the tenant told the bank and account number. Non-URLTA areas: no statute. A tenant who neither signs nor specifically dissents from the final list cannot recover under this section (383.580(5)). Source: KRS 383.580(1)-(3), (5) |
| Interest on deposits | No statute requires interest on deposits. Source: KRS 383.580 |
| Penalty for withholding | URLTA areas: a landlord who did not keep the deposit in a separate account and provide both move-in and move-out damage lists may not retain any portion of the deposit. No multiple-damages penalty. Non-URLTA areas: no statute. Source: KRS 383.580(4) |
Free calculators
- Security Deposit Deadline Calculator — See when your landlord must return your deposit, and the penalty your state sets if they don't.
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Related questions
- How long does a landlord have to return a security deposit?
- How much can a landlord charge for a security deposit?
- What can a landlord charge for at move-out (cleaning, painting, carpet)?
Kentucky vs. neighboring states
| State | Security deposit limit | Deposit return deadline | Itemized deductions |
|---|---|---|---|
| Kentucky | No statutory cap (statewide or under URLTA). KRS 383.580 | Non-URLTA areas: no statute. URLTA areas: no fixed refund deadline; if the tenant leaves owing no rent with a refund due, the landlord must send notice of the refund amount to the tenant's last known address and may keep the deposit if the tenant does not respond within 60 days. If the tenant leaves without paying the last month's rent and does not demand the deposit, the landlord may apply it after 30 days. KRS 383.580(6)-(7) | URLTA areas: before taking a deposit, the landlord must give a signed move-in list of existing damage with estimated repair costs; at move-out the landlord must inspect and compile a signed list of damages with estimated costs, which the tenant may inspect and dispute in writing. Deposits must be kept in a separate account at a regulated institution and the tenant told the bank and account number. Non-URLTA areas: no statute. KRS 383.580(1)-(3), (5) |
| Illinois | No statewide legal limit on the amount of a security deposit. Illinois AG fact sheet 'Landlord and Tenant Rights and Laws' (01/24) | If the landlord withholds anything for damage, an itemized statement with estimated or actual repair costs and paid receipts is due within 30 days after the tenant vacates (or possession ends, whichever is later); if no statement is given, the full deposit must be returned within 45 days after the tenant vacates. 765 ILCS 710/1 | Itemized statement of damage with estimated or actual repair/replacement cost for each item, with paid receipts (or copies) attached, delivered within 30 days by personal delivery, postmarked mail, or email to a verified address; if estimates are used, paid receipts must follow within 30 days. If receipts are unavailable through no fault of the landlord, a verified statement explaining why is allowed. 765 ILCS 710/1(a)-(b) |
| Indiana | No statutory cap on security deposits. IC 32-31-3 | Within 45 days after termination of the rental agreement and delivery of possession, the landlord must return the deposit minus itemized deductions. The landlord is not liable until the tenant provides a written forwarding mailing address. IC 32-31-3-12, 32-31-3-14 | Within 45 days after termination of occupancy, landlord must mail an itemized list of damages with the estimated cost of repair for each item, plus a check or money order for the balance. Deposits may be used only for actual damage beyond ordinary wear and tear, unpaid rent (including rent due for early termination), the last rent period if agreed in writing, and unpaid utility/sewer charges owed by the tenant. IC 32-31-3-13, 32-31-3-14 |
| Missouri | Landlord may not demand or receive a security deposit of more than two months' rent. RSMo 535.300.1 | Within 30 days after the tenancy ends, the landlord must return the full deposit or send an itemized list of damages along with any remaining balance. Mailing to the tenant's last known address satisfies the duty. RSMo 535.300.3 | Required. Withholding must be listed in a written itemized list of damages. Allowed deductions: unpaid rent; restoring the unit beyond ordinary wear and tear; carpet cleaning if the lease contains the required notice and a receipt is provided within 30 days; actual losses from the tenant's inadequate termination notice if the landlord tried to mitigate. RSMo 535.300.3-.4 |
| Ohio | No statutory cap Ohio Rev. Code § 5321.16 | Within 30 days after the rental agreement ends and possession is delivered, the landlord must send the itemized written notice of deductions together with the amount due. Ohio Rev. Code § 5321.16(B) | Deductions (unpaid rent and damages from the tenant's noncompliance with § 5321.05 or the rental agreement) must be itemized and identified in a written notice delivered within 30 days. Ohio Rev. Code § 5321.16(B) |
| Tennessee | No statutory cap on the amount of a security deposit. Outside URLTA counties, no statute regulates security deposits; the lease governs. T.C.A. 66-28-301; ch. 66-7 (checked) | No fixed number of days for returning the deposit. In URLTA counties, if the tenant leaves owing no rent and is due a refund, the landlord must send notice of the refund amount to the tenant's last known or reasonably determinable address. If the tenant does not respond within 60 days of that notice, the landlord may keep the deposit. Move-out inspection: on the move-out day or within 4 calendar days after it. T.C.A. 66-28-301(b)(1)(A), (f) | Deductions must be supported by a written listing of damages with estimated repair costs. The tenant has the right to inspect: after a request to vacate, or within 5 days of the tenant's notice to vacate, the landlord may notify the tenant of the right to attend the inspection. At a mutual inspection, both parties sign the listing, and their signatures are conclusive evidence that it is accurate. A tenant who refuses to sign must list in writing the items they dispute. The landlord may inspect alone if the tenant left without written notice, abandoned the unit, was judicially removed, did not respond, did not show up, or did not request an inspection. In that case, on the tenant's written request, the landlord must send a copy of the listing by certificate of mailing. The deposit may also be applied to unpaid rent. T.C.A. 66-28-301(b), (e) |
| Virginia | Two months' periodic rent. Va. Code 55.1-1226(A) | 45 days after termination of the tenancy or the date the tenant vacates, whichever is later. Va. Code 55.1-1226(A) | Required: written notice itemizing the deposit and any deductions, damages and charges, delivered with any refund within the 45-day period. Va. Code 55.1-1226(A) |
| West Virginia | No statutory cap on the amount of a security deposit. W. Va. Code §§ 37-6A-1, 37-6A-2 | Within the 'notice period': 60 days after the tenancy ends, or 45 days after a new tenant occupies the unit, whichever is shorter. W. Va. Code § 37-6A-2(a); § 37-6A-1 (definition of 'notice period') | Landlord must give the tenant a written itemization of any damages or charges deducted from the deposit. Landlord must keep itemized deduction records for 1 year after the tenancy ends and let the tenant inspect or copy them within 72 hours of a written request. W. Va. Code §§ 37-6A-2(a), 37-6A-3 |
City rules that may add to state law
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Kentucky Security Deposit Law FAQ
How much can a landlord charge for a security deposit in Kentucky?
No statutory cap (statewide or under URLTA). (KRS 383.580)
How long does a landlord have to return a security deposit in Kentucky?
Non-URLTA areas: no statute. URLTA areas: no fixed refund deadline; if the tenant leaves owing no rent with a refund due, the landlord must send notice of the refund amount to the tenant's last known address and may keep the deposit if the tenant does not respond within 60 days. If the tenant leaves without paying the last month's rent and does not demand the deposit, the landlord may apply it after 30 days. (KRS 383.580(6)-(7))
Does a landlord in Kentucky have to give an itemized list of deposit deductions?
URLTA areas: before taking a deposit, the landlord must give a signed move-in list of existing damage with estimated repair costs; at move-out the landlord must inspect and compile a signed list of damages with estimated costs, which the tenant may inspect and dispute in writing. Deposits must be kept in a separate account at a regulated institution and the tenant told the bank and account number. Non-URLTA areas: no statute. (KRS 383.580(1)-(3), (5))
Does a landlord have to pay interest on a security deposit in Kentucky?
No statute requires interest on deposits. (KRS 383.580)
What happens if a landlord in Kentucky wrongfully keeps a security deposit?
URLTA areas: a landlord who did not keep the deposit in a separate account and provide both move-in and move-out damage lists may not retain any portion of the deposit. No multiple-damages penalty. Non-URLTA areas: no statute. (KRS 383.580(4))
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.