50 states · 11 project types · 550 deep-link deposit pages
How much deposit can a contractor legally ask for?
Oversized deposits are the #1 way bad contractors disappear with your money. Some states cap deposits by statute (California: 10% or $1,000, whichever is less). Most states don't — meaning industry standard + your written contract are the only protection. Pick your state to see the rules.
Universal red flag
If your contractor asks for more than 1/3 of the contract upfront — or if they ask you to wire payment to a personal account instead of a business bank — walk away. No legitimate licensed contractor in any state needs more than that to begin work.
Statutory caps — states that legally limit deposits
California
Cap: 10% or $1,000 (lesser)
CA Business & Professions Code §7159.5(a)(3)
Connecticut
Cap: 33%
CT Home Improvement Act §20-429
Maine
Cap: 33%
10 MRS §1487 (Maine Home Construction Contracts Act)
Maryland
Cap: 33%
MD Business Regulation §8-617
Massachusetts
Cap: 33%
MA 940 CMR 18.05 (Home Improvement Contractor Act)
Nevada
Cap: 10% or $1,000 (lesser)
NRS 624.610
New York
Cap: 33%
NY GBL §771 (Home Improvement Business Law)
Pennsylvania
Cap: 33%
PA Home Improvement Consumer Protection Act §517.7
Wisconsin
Cap: 25%
Wisconsin Admin. Code ATCP 110
No statutory cap — industry standard applies
These states leave the deposit ceiling up to the contract. Industry standard: 10% for large jobs (kitchen, basement, pool), 15–25% for mid-size (bathroom, windows, deck), 25%+ for material-heavy short jobs (flooring, fence, painting).