Security Deposit Calculator

Calculate maximum security deposit by state with return timeline and deduction rules.

By Konstantin Iakovlev · Updated September 2026 · Source: CFPB — Owning a Home

$

Max Deposit

$1,500.00

Return Deadline

21 days

State Rules

State limit1 month
Max deposit amount$1,500.00
Interest requiredNo
Return timeline21 days after move-out

Use the Security Deposit Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

How It Works

State law decides how much a landlord can demand up front, how quickly the money must come back, and what can lawfully be subtracted from it. This tool surfaces the 2026 rules for your state in one place, so renters and landlords alike can act on the actual statute instead of guesswork. Because deposit caps and return windows differ sharply from one state to the next and get revised over time, having the current figures matters for steering clear of disputes.

Behind the result sits a database of 2026 landlord-tenant statutes. After you pick a state, the calculator looks up its deposit ceiling, usually framed as one or two months' rent, and applies that multiple to the rent you entered to produce the maximum lawful deposit. Several states set no statutory ceiling at all, including Texas, Ohio, Washington, Florida and Illinois, where the limit is whatever the lease says. The return deadline is taken straight from the statute, and the deduction summary reflects the grounds states commonly allow: unpaid rent or documented damage that goes beyond ordinary wear and tear.

Several states set separate caps for furnished units or for elderly tenants, so it pays to verify those carve-outs against your own circumstances. Disputes over deductions most often trace back to thin move-in and move-out records, which is why dated photos and video of the unit's condition are worth the few minutes they take. The figures here are general guidance; tangled cases warrant a lawyer who handles landlord-tenant matters.

Example: Renting a 2-bedroom apartment in California in 2026

  1. 1 Input the monthly rent: $2,500. Select 'California' as the state.
  2. 2 Since July 1, 2024, California caps the deposit at one month's rent, and AB 12 removed the old split between unfurnished and furnished units, so the calculation is $2,500 (monthly rent) * 1 = $2,500. Landlords must return the deposit within 21 calendar days after the tenant moves out.
  3. 3 The maximum security deposit for this California apartment in 2026 is $2,500. A narrow exception in Civil Code section 1950.5(c) lets a small landlord — a natural person, or an LLC whose members are all natural persons, owning no more than two rental properties with four units between them — ask for two months' rent instead.
  4. 4 The landlord must return your security deposit within 21 days of you vacating the property. Permissible deductions include unpaid rent, cleaning costs to return the unit to its original cleanliness (excluding ordinary wear and tear), and repair costs for damages beyond normal wear and tear. You are entitled to an itemized statement of deductions if any are made.

Source: CFPB — Owning a Home · Last updated: September 2026

Frequently Asked Questions

What is the maximum security deposit by state?
Security deposit limits vary by state, and many cap deposits at one or two months' rent. California has capped it at one month's rent since July 1, 2024, when AB 12 took effect and ended the old two-month (unfurnished) and three-month (furnished) limits; small landlords with no more than two properties and four units may still ask for two months. Texas, Ohio, Washington, Florida and Illinois set no statutory ceiling at all.
How long does a landlord have to return a security deposit?
Return timelines range from 14 to 60 days depending on the state. Most states require return within 30 days of move-out. Landlords must provide an itemized deduction list if withholding any portion.
What can a landlord deduct from a security deposit?
Landlords can deduct for unpaid rent, damages beyond normal wear and tear, and cleaning costs if the unit was left excessively dirty. Normal wear like minor scuff marks, faded paint, and worn carpet cannot be deducted.