🏠 📚 COMPLETE REFERENCE GUIDE

Late Fee Laws by State

The most comprehensive resource for landlord late fee regulations across all 50 states, Washington D.C., and Puerto Rico. Find state-specific limits, grace periods, and compliance requirements.

52 Jurisdictions Covered
19 States With Caps
22 Grace Period Required
Updated For

🔍 Find Your State

💰 4-12% Typical Cap Range
📅 2-30 Days Grace Period
⚖️ 33 Use Reasonableness
📋 100% Require Written Lease
🏈
Alabama
Heart of Dixie
No Statutory Cap
No CapFee Limit
NoneGrace Period
🏔️
Alaska
Last Frontier
No Statutory Cap
No CapFee Limit
NoneGrace Period
🌵
Arizona
Grand Canyon State
No Statutory Cap
No CapFee Limit
NoneGrace Period
💎
Arkansas
Natural State
No Statutory Cap
No CapFee Limit
NoneGrace Period
🌴
California
Golden State
Must Be Reasonable
ReasonableFee Limit
NoneGrace Period
⛰️
Colorado
Centennial State
$50 or 5%
$50/5%Fee Limit
7 DaysGrace Period
🍂
Connecticut
Constitution State
9-Day Grace
No CapFee Limit
9 DaysGrace Period
🏛️
Delaware
First State
5% Maximum
5%Fee Limit
5 DaysGrace Period
🌊
Florida
Sunshine State
No Statutory Cap
No CapFee Limit
NoneGrace Period
🍑
Georgia
Peach State
No Statutory Cap
No CapFee Limit
NoneGrace Period
🌺
Hawaii
Aloha State
8% Maximum
8%Fee Limit
NoneGrace Period
🥔
Idaho
Gem State
No Statutory Cap
No CapFee Limit
NoneGrace Period
🏙️
Illinois
Prairie State
5-Day Grace (Chicago)
No CapFee Limit
5 DaysGrace Period
🏁
Indiana
Hoosier State
No Statutory Cap
No CapFee Limit
NoneGrace Period
🌽
Iowa
Hawkeye State
No Statutory Cap
No CapFee Limit
NoneGrace Period
🌻
Kansas
Sunflower State
No Statutory Cap
No CapFee Limit
NoneGrace Period
🐴
Kentucky
Bluegrass State
No Statutory Cap
No CapFee Limit
NoneGrace Period
⚜️
Louisiana
Pelican State
No Statutory Cap
No CapFee Limit
NoneGrace Period
🦞
Maine
Pine Tree State
4% Maximum
4%Fee Limit
15 DaysGrace Period
🦀
Maryland
Old Line State
5% Maximum
5%Fee Limit
NoneGrace Period
🏛️
Massachusetts
Bay State
30-Day Grace
No CapFee Limit
30 DaysGrace Period
🚗
Michigan
Great Lakes State
No Statutory Cap
No CapFee Limit
NoneGrace Period
❄️
Minnesota
North Star State
8% Maximum
8%Fee Limit
NoneGrace Period
🎸
Mississippi
Magnolia State
No Statutory Cap
No CapFee Limit
NoneGrace Period
🏛️
Missouri
Show-Me State
No Statutory Cap
No CapFee Limit
NoneGrace Period
🦬
Montana
Big Sky Country
No Statutory Cap
No CapFee Limit
NoneGrace Period
🌾
Nebraska
Cornhusker State
No Statutory Cap
No CapFee Limit
NoneGrace Period
🎰
Nevada
Silver State
5% Maximum
5%Fee Limit
3 DaysGrace Period
🏔️
New Hampshire
Granite State
15-Day Grace
No CapFee Limit
15 DaysGrace Period
🏖️
New Jersey
Garden State
5-Day Grace
No CapFee Limit
5 DaysGrace Period
🌶️
New Mexico
Land of Enchantment
10% Maximum
10%Fee Limit
NoneGrace Period
🗽
New York
Empire State
$50 or 5%
$50/5%Fee Limit
5 DaysGrace Period
🌲
North Carolina
Tar Heel State
$15 or 5%
$15/5%Fee Limit
5 DaysGrace Period
🦬
North Dakota
Peace Garden State
No Statutory Cap
No CapFee Limit
NoneGrace Period
🏈
Ohio
Buckeye State
No Statutory Cap
No CapFee Limit
NoneGrace Period
🤠
Oklahoma
Sooner State
No Statutory Cap
No CapFee Limit
NoneGrace Period
🌲
Oregon
Beaver State
4-Day Grace
ReasonableFee Limit
4 DaysGrace Period
🔔
Pennsylvania
Keystone State
No Statutory Cap
No CapFee Limit
NoneGrace Period
Rhode Island
Ocean State
15-Day Grace
No CapFee Limit
15 DaysGrace Period
🌴
South Carolina
Palmetto State
No Statutory Cap
No CapFee Limit
NoneGrace Period
🗿
South Dakota
Mount Rushmore State
No Statutory Cap
No CapFee Limit
NoneGrace Period
🎸
Tennessee
Volunteer State
10% Maximum
10%Fee Limit
5 DaysGrace Period
🤠
Texas
Lone Star State
10-12% Max
10-12%Fee Limit
2 DaysGrace Period
🏜️
Utah
Beehive State
No Statutory Cap
No CapFee Limit
NoneGrace Period
🍁
Vermont
Green Mountain State
14-Day Grace
No CapFee Limit
14 DaysGrace Period
🏛️
Virginia
Old Dominion
10% Maximum
10%Fee Limit
5 DaysGrace Period
🌧️
Washington
Evergreen State
No Statutory Cap
No CapFee Limit
NoneGrace Period
⛰️
West Virginia
Mountain State
No Statutory Cap
No CapFee Limit
NoneGrace Period
🧀
Wisconsin
Badger State
No Statutory Cap
No CapFee Limit
NoneGrace Period
🤠
Wyoming
Cowboy State
No Statutory Cap
No CapFee Limit
NoneGrace Period
🏛️
District of Columbia
Nation’s Capital
5% Maximum
5%Fee Limit
5 DaysGrace Period
🌺
Puerto Rico
Island of Enchantment
15-Day Grace
No CapFee Limit
15 DaysGrace Period

🔍 Screen Tenants Who Pay On Time

The best late fee policy is one you rarely use. Quality tenant screening helps you find responsible renters with strong payment histories before they move in.

💰

Statutory Fee Caps

19 states plus DC have statutory caps on late fees, ranging from 4% (Maine) to 12% (Texas single-family). Understanding your state’s limits ensures your lease is enforceable.

📅

Grace Period Requirements

22 jurisdictions mandate grace periods before late fees can be assessed, ranging from 2 days (Texas) to 30 days (Massachusetts). Check your state’s specific requirements.

⚖️

Reasonableness Standard

Even states without caps require late fees to be “reasonable” under contract law. Courts may invalidate excessive fees that appear punitive rather than compensatory.

Frequently Asked Questions

Common questions about late fee laws across states

What is a typical late fee for rent?
Most landlords charge between 5-10% of the monthly rent as a late fee, though this varies by state. Some states like Maine cap fees at 4%, while Texas allows up to 12% for single-family properties. Always check your specific state’s limits.
Do all states require a grace period?
No. Only about 22 states and territories require a statutory grace period before landlords can assess late fees. In states without mandatory grace periods, landlords can technically charge fees the day after rent is due, though most provide 3-5 days as a best practice.
Which state has the strictest late fee laws?
Massachusetts has among the strictest requirements, mandating a 30-day grace period before any late fee can be charged. Maine combines a 15-day grace period with a 4% cap, making it one of the most tenant-friendly states for late fee regulations.
Can I charge a late fee without it being in the lease?
No. In all 50 states, DC, and Puerto Rico, late fees must be specified in the written lease agreement to be enforceable. You cannot impose fees that were not agreed upon in advance.
What makes a late fee “reasonable”?
A reasonable late fee should reflect the actual costs and damages a landlord incurs from late payment, not serve as punishment. Courts consider factors like the fee percentage, industry standards, actual administrative costs, and whether the fee appears designed to compensate or coerce.
Can tenants challenge excessive late fees?
Yes. Tenants can challenge late fees they believe are excessive, either through direct negotiation, filing complaints with housing authorities, or in small claims court. Fees significantly above market norms or statutory caps may be declared unenforceable.

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⚖️ Legal Disclaimer

This resource provides general information about late fee laws across U.S. jurisdictions for educational purposes only and does not constitute legal advice. Laws and regulations change frequently, and local ordinances may impose additional requirements not covered here. For specific legal questions about your situation, consult with a licensed attorney in your state who can provide advice tailored to your circumstances. Neither the authors nor publishers of this guide assume any liability for actions taken based on the information provided.