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Mississippi Security Deposit Laws: No Cap, the 45-Day Return, and the Bad-Faith Penalty

No Deposit Cap · Allowable Deductions · 45-Day Return · Itemized Notice · No Interest · Penalties

Updated Q3 2026 By Tenant Screening Background Check Editorial Team Applies Mississippi ~18 min read

Mississippi security deposit law is set almost entirely by one statute — Mississippi Code section 89-8-21, part of the state’s Residential Landlord and Tenant Act. Unlike many states, Mississippi puts no ceiling on how much a landlord may collect as a deposit; instead the statute concentrates on the back end — how, and how quickly, the deposit must come back. This guide walks the whole Mississippi framework end to end: the absence of a cap, what you may and may not deduct, the forty-five-day return deadline and the surrender-and-demand that starts the clock, the itemized written notice, why Mississippi requires neither interest nor a separate account, and the damages a court can add when a landlord keeps a deposit in bad faith.

Whether you own a single duplex in Jackson or a small portfolio across the Gulf Coast, the rules below apply the same way, because Mississippi Code section 89-8-21 governs statewide with no local deposit ordinances layered on top the way California cities add interest rules. What varies is the market — a reasonable deposit in Oxford is not the same number as one in Biloxi — but the legal machinery of return and itemization is uniform. Everything here is general information, not legal advice; confirm the current figures and consult a licensed Mississippi attorney before acting on a specific dispute.

Below, a short overview video summarizes the Mississippi deposit rules; the sections that follow break down each piece in detail — the no-cap reality and what a sensible deposit looks like, deductions versus ordinary wear and tear, the forty-five-day timeline and its trigger, the itemized notice, the bad-faith penalty, the move-out walkthrough, and the small-claims path if a dispute cannot be resolved.

Mississippi Security Deposit Rules at a Glance

Primary Statute

Mississippi Code section 89-8-21

Deposit Cap

No statutory cap

Return Deadline

45 days after termination, surrender, and demand

Bad-Faith Penalty

Up to two hundred dollars + actual damages

Bottom line: Mississippi sets no maximum on a security deposit, so the amount is governed by the market and the lease rather than a statutory cap. Every deposit is refundable, deductions are limited to unpaid rent and damage beyond ordinary wear and tear, and the deposit plus an itemized written notice must be returned within forty-five days after the tenancy ends, the tenant surrenders possession, and the tenant demands it back. Keep a deposit in bad faith and a court can add up to two hundred dollars in statutory damages on top of the actual damages the tenant proves, under Mississippi Code section 89-8-21. Figures change, so verify the current law before you rely on any number here.

No Statutory Cap — What a Sensible Mississippi Deposit Looks Like

The first thing to understand about Mississippi is what the law does not do: it does not cap the deposit. Mississippi Code section 89-8-21 regulates how a deposit is returned and accounted for, but it sets no maximum amount. There is no one-month or two-month statutory ceiling as in many other states. In principle a landlord may ask for whatever the lease specifies and the tenant agrees to pay.

In practice, the market sets the boundary the statute does not. Most Mississippi landlords collect a deposit of one to two months’ rent, and a demand far above the local norm makes a unit hard to fill. A deposit that looks punitive can also color a later dispute, because a judge weighing a bad-faith claim will notice a landlord who over-collected up front and then withheld aggressively at the end. The safe posture is a deposit in line with comparable units, clearly stated in the lease as a refundable security deposit.

No Cap Is Not a License to Over-Collect

Because Mississippi imposes no statutory ceiling, some landlords assume any deposit is fine. Legally that is close to true, but a very large deposit ties up the tenant’s money, narrows your applicant pool, and can invite scrutiny if a withholding dispute reaches court. Treat the absence of a cap as freedom to set a reasonable, market-appropriate deposit — not a reason to demand three or four months’ rent. Verify that nothing in the local lease or ordinance you use adds a limit of its own.

Pet Deposits and Extra Charges

Mississippi landlords commonly add a pet deposit or pet rent on top of the base security deposit, and the statute does not forbid it. Two cautions apply. First, a deposit collected for pet damage is still a security deposit for return purposes — if it is refundable, it must be accounted for like any other deposit at move-out. Second, federal fair-housing law bars charging a pet deposit or pet rent for a genuine service animal or a documented emotional-support animal, because those are not pets. Keep the pet charge separate, labeled, and reasonable, and never apply it to an assistance animal.

Takeaway

Mississippi sets no statutory cap on a security deposit; the market, not the statute, limits the amount. Most landlords collect one to two months’ rent. A pet deposit is allowed but is still a refundable deposit for return purposes, and it can never be charged for a service or support animal. Verify the current law before setting any figure.

What a Landlord May Deduct — and What Counts as Wear and Tear

Mississippi Code section 89-8-21 lists the purposes for which a landlord may claim part of a deposit, and the list is narrow. The landlord may keep only the amounts reasonably necessary to remedy the tenant’s default in paying rent, to repair damage the tenant caused beyond ordinary wear and tear, to clean the premises on termination of the tenancy, or for other reasonable and necessary expenses that result from the tenant’s default. Anything outside those categories is presumed to be the landlord’s cost to absorb, and the landlord bears the burden of proving each deduction is legitimate.

Permitted Deductions

  • Unpaid rent. Rent that remains owed for the final month or any earlier period of the tenancy.
  • Repair of damage beyond ordinary wear and tear. Holes in walls, broken fixtures, pet-stained flooring, missing items, and similar damage the tenant or their guests caused.
  • Cleaning to move-in condition. The reasonable cost to clean the premises on termination — restoring the unit to its move-in level of cleanliness, not a blanket demand for spotlessness.
  • Other reasonable and necessary expenses from the tenant’s default. Unpaid utilities the landlord had to cover, lease-specified charges that remain unpaid, and comparable costs the tenant’s breach forced on the landlord.

Not Deductible — Ordinary Wear and Tear

Ordinary wear and tear is the natural deterioration that comes from living in a unit normally, and Mississippi Code section 89-8-21 expressly excludes it from what a landlord may charge. Mississippi treats these as non-deductible:

  • Faded or lightly scuffed paint, and small nail holes from hanging pictures.
  • Carpet worn thin along walkways from ordinary foot traffic, with no stains or pet damage.
  • Minor marks, loose grout, or caulk that has aged around tubs and sinks.
  • Worn but still-functioning appliances and fixtures that simply reached the end of their useful life.

The Prorating Rule for Paint and Carpet

Even when repainting or carpet replacement is justified by real damage, a landlord generally cannot charge the tenant the full cost of a brand-new surface. Paint and carpet have an expected useful life, so the charge should be prorated for age — a tenant who damaged a carpet that was already several years into its life should pay only for the remaining life, not a whole new carpet. Billing full price for an aged surface is a common way Mississippi landlords lose deposit disputes, because the deduction is no longer reasonably necessary once age is accounted for.

Takeaway

You may keep only what is reasonably necessary for unpaid rent, damage beyond ordinary wear and tear, cleaning to the move-in level, and other expenses caused by the tenant’s default. Faded paint, worn carpet, and small nail holes are wear and tear you absorb. Prorate paint and carpet for age; never bill a tenant for a brand-new surface.

The 45-Day Return Deadline and What Triggers It

The deadline Mississippi landlords miss most often is the forty-five-day return rule — and its trigger is more particular than in most states. Under Mississippi Code section 89-8-21, the landlord must return any remaining portion of the deposit no later than forty-five days after the termination of the tenancy, the delivery of possession, and demand by the tenant. Three events must line up: the tenancy has ended, the tenant has actually surrendered the unit, and the tenant has demanded the deposit back. The forty-five-day clock is generally measured from the latest of those events.

Why the Demand Matters

Because the tenant’s demand is part of the statutory trigger, a Mississippi landlord’s obligation to return the deposit is not necessarily set running by move-out alone. A prudent tenant should therefore ask for the deposit back in writing and provide a forwarding address, so there is no argument about when the clock started. A prudent landlord, in turn, should not sit behind a technicality: document the surrender, and when a demand or forwarding address arrives, calendar day forty-five and send the accounting well before it. Reading the statute to stall a tenant who has clearly asked for the money back is exactly the posture a court may treat as bad faith.

Verify the Trigger Before You Rely on It

Mississippi’s forty-five-day rule turns on termination, surrender of possession, and demand together — not on the lease end date alone. Courts have read these conditions in the tenant’s favor where a landlord tried to use a missing formality to keep the money. Do not treat “no written demand yet” as a permanent excuse to hold the deposit. Confirm the current statutory language and any recent court guidance, and when in doubt, return the deposit and itemized notice promptly rather than gambling on a technical defense.

No Forwarding Address? Document and Send Anyway

If a tenant surrenders and demands the deposit but leaves no forwarding address, the safe course is to mail the deposit and itemized notice to the last known address — commonly the rental unit itself — and keep proof of mailing. Do not simply keep the funds indefinitely on the theory that no address was given; a tenant who demanded the money and got nothing has a strong claim. Documenting a good-faith attempt to return the deposit protects the landlord even when the tenant made the return harder than it needed to be.

Takeaway

Return the deposit and an itemized written notice within forty-five days of the tenancy ending, the tenant surrendering possession, and the tenant demanding it back — measured from the latest of the three. Do not use a missing demand or address as a reason to hold the money once the tenant has clearly asked. Verify the current trigger before relying on it.

The Itemized Written Notice

Mississippi Code section 89-8-21 does more than set a deadline; it dictates the form of any withholding. The written notice by which the landlord claims all or any portion of the deposit must itemize the amounts claimed. A landlord who keeps part of the deposit cannot simply send a check for the balance with no explanation, or a one-word label. Each amount kept must be identified and tied to a specific charge.

What a Compliant Itemization Looks Like

The difference between a defensible statement and a losing one is specificity. “Cleaning — two hundred dollars” tells the tenant nothing and rarely survives a challenge. “Professional carpet cleaning to remove pet odor, invoice attached — two hundred dollars” describes the work, ties it to a document, and shows the charge went beyond ordinary wear and tear. Describe each deduction, state its amount, and attach the invoice, estimate, or a written cost basis wherever you can. The statute does not require you to attach receipts by dollar threshold the way some states do, but attaching them is always the stronger practice.

Failing to Itemize Undercuts the Whole Withholding

If a landlord keeps part of the deposit without the itemized written notice the statute requires, the withholding is exposed. A tenant can point to the missing itemization as evidence the landlord did not follow section 89-8-21, and combined with a missed deadline that is often enough to support a finding of bad faith. Send the itemized notice with the balance, every time, even when the deductions feel obvious. The itemization is not a courtesy; it is a statutory condition of keeping any of the money.

Takeaway

Any withholding requires a written notice that itemizes every amount claimed. Describe each charge, state its amount, and attach an invoice or cost basis. A vague “cleaning” or “repairs” line is not itemization — and failing to itemize undercuts your right to keep any of the deposit.

Interest, Separate Accounts, and Non-Refundable Fees

Three questions come up constantly, and Mississippi answers all three simply. Interest: Mississippi Code section 89-8-21 contains no requirement that a landlord pay interest on a residential security deposit, and there is no statewide interest mandate. A landlord may hold the deposit and pay no interest, which is entirely lawful.

Separate account: Mississippi does not require a landlord to hold the deposit in a separate or escrow account. A general account is lawful. That said, keeping deposits segregated and tracked per unit is sound bookkeeping: it makes the forty-five-day return and the itemized accounting far easier to prove if a dispute arises, so many careful landlords do it as a matter of discipline rather than obligation.

Non-Refundable Fees — Label Honestly

Mississippi does not have California’s flat ban on non-refundable deposits, so separate charges such as an application fee are common and lawful. But money truly held as a security deposit is refundable and must be accounted for at move-out under section 89-8-21, whatever the lease calls it. A landlord cannot slap a “non-refundable” label on what is functionally a security deposit to dodge the return and itemization rules. State the purpose of each charge honestly in the lease, keep genuine fees separate from the refundable deposit, and treat every dollar of the deposit as returnable minus lawful deductions.

Takeaway

Mississippi requires no interest and no separate account for security deposits — both are lawful to skip, though a segregated account is good practice. There is no flat ban on non-refundable fees, but a genuine security deposit is refundable and must be itemized at move-out no matter what the lease calls it.

Penalties for Bad-Faith Withholding

Mississippi backs the deposit rules with a statutory penalty, though a modest one compared with the multipliers some states impose. Under Mississippi Code section 89-8-21, if a landlord retains the deposit in violation of the statute and with an absence of good faith, the landlord may be liable for damages not to exceed two hundred dollars, in addition to any actual damages the tenant proves. So the tenant can recover the amount wrongfully withheld as actual damages, plus up to two hundred dollars in statutory bad-faith damages on top.

Mississippi Has No Two- or Three-Times Multiplier

It is a common and costly error — repeated on many web pages and even older versions of guides like this one — to describe the Mississippi penalty as “two or three times the deposit” or to plug in “statutory multipliers.” Mississippi Code section 89-8-21 does not multiply the deposit. The statutory bad-faith damages are capped at two hundred dollars, added to the tenant’s actual damages. Do not budget for or threaten a multiplier the statute does not contain; conversely, do not assume the penalty is trivial, because actual damages plus the two-hundred-dollar addition plus the cost of litigation still make wrongful withholding a losing proposition. Verify the current figure.

Bad faith is not merely being wrong about a deduction. It generally means the landlord acted without an honest basis — ignoring the forty-five-day deadline after a clear demand, inventing charges, refusing to itemize, or keeping the deposit with no legitimate reason. A landlord who returns the deposit and a clear itemized notice on time is well protected even if a specific deduction is later disputed. The penalty exists to punish the landlord who treats the deposit as free money, not the one who makes a documented, good-faith judgment call. Note as well that a tenant who prevails may be able to recover reasonable attorney’s fees or costs under general Mississippi law — a point worth confirming with counsel, since it can dwarf the two-hundred-dollar statutory figure.

The Move-Out Procedure, Step by Step

Put the rules together and the Mississippi move-out becomes a repeatable checklist rather than a judgment call. Follow this sequence and penalty exposure all but disappears.

From Notice to Refund in Mississippi

Capture surrender and demand

When the tenant moves out, document the delivery of possession and request a written demand and forwarding address. The termination, surrender, and demand together start the forty-five-day clock, so record when each happened.

Inspect and photograph at surrender

Inspect promptly and photograph every room. Compare against the signed move-in checklist to separate tenant damage from ordinary wear and tear.

Calculate lawful deductions

Keep only what is reasonably necessary for unpaid rent, damage beyond wear and tear, cleaning to move-in level, and other expenses caused by the tenant’s default. Prorate paint and carpet for age. Gather an invoice or cost basis for each charge.

Write the itemized notice

Prepare a written notice that itemizes every amount claimed, describing each charge and stating its amount, as section 89-8-21 requires. Attach invoices or estimates.

Return within forty-five days

Mail or deliver the remaining deposit and the itemized notice within forty-five days of the termination, surrender, and demand, using a method that gives you proof of mailing.

A thorough move-out record starts at move-in. Use a documented Mississippi move-in and move-out checklist and photographs at both ends so you can prove exactly what the tenant caused. When you do withhold, a clean Mississippi security deposit itemization form keeps the notice organized and defensible, and a Mississippi security deposit return letter documents the refund itself.

When a Dispute Reaches Small Claims Court

Most deposit disputes never reach a courtroom, but when they do in Mississippi, they usually land in Justice Court — the state’s small-claims-style forum, designed to be used without a lawyer. As of 2026, the civil jurisdiction of Mississippi Justice Court is limited to claims of three thousand five hundred dollars or less, which is one of the lowest small-claims limits in the country. A deposit dispute usually fits comfortably within it; a larger claim — for example, damage far exceeding the deposit — must go to County or Circuit Court instead. Verify the current limit, which the Legislature can adjust over time.

✓ The Landlord Who Wins

  • Signed move-in checklist plus dated move-in photos.
  • Documented surrender date and the tenant’s written demand.
  • Itemized written notice sent within forty-five days.
  • Invoices or estimates attached for every charge.
  • Proof of mailing (certified mail or a tracked method).

✕ The Landlord Who Loses

  • No move-in documentation to compare against.
  • A vague notice listing “cleaning” or “painting” with no detail.
  • Deductions for ordinary wear and tear.
  • Full-price charges for old paint or carpet, not prorated.
  • A return sent after the forty-five-day deadline, or none at all.

The pattern is consistent: Mississippi deposit cases are won on paper. The landlord who documents condition at both ends, records the surrender and demand, itemizes clearly, attaches receipts, and mails on time rarely loses — and the tenant who keeps their own photos and a copy of the written notice is equally well positioned to recover a wrongful withholding.

Special Situations: Sale of the Property, Roommates, and Rent Increases

Beyond a routine move-out, a handful of situations trip up Mississippi landlords because the deposit rules interact with other events. Three come up often.

When the Property Is Sold

If a landlord sells an occupied rental, the security deposit does not simply evaporate. Mississippi Code section 89-8-21 contemplates a transferee who succeeds to the landlord’s interest, and it makes that transferee accountable for the deposit obligations. The practical move is to handle the deposit in escrow: either transfer the remaining deposit (after any lawful deductions) to the buyer with written notice to the tenant, or return it to the tenant with a full accounting before closing. A landlord buying an occupied Mississippi property should confirm in the closing documents that deposits are transferred and documented, because the buyer can inherit liability for a deposit that was never properly passed along. Verify the current statutory language on transferees before relying on it.

Roommates and a Single Deposit

Where several tenants share a lease and a single deposit, Mississippi treats the deposit as one sum tied to the tenancy, not as separate shares. When one roommate leaves and another stays, the landlord’s forty-five-day obligation is generally triggered only when the tenancy as a whole ends and the unit is surrendered — not each time one roommate moves out mid-lease. Sorting out each roommate’s share of a refund is usually a private matter among the tenants. Landlords should return the single deposit to the tenants collectively unless the lease or a written agreement directs otherwise, and avoid being drawn into splitting it.

The Deposit and a Rent Increase

Because Mississippi has no deposit cap tied to rent, a rent increase does not automatically create room to demand more deposit, nor does it require topping up an existing one. What matters is the lease: a landlord who wants a larger deposit from a sitting tenant generally needs the tenant’s agreement, usually at renewal. Landlords weighing a rent increase should review the separate rules that govern it — see our guide to Mississippi rent increase laws — and should not treat a permitted rent bump as automatic license to raise the deposit mid-lease. Set the deposit correctly at signing and change it only by agreement.

Documentation: the Evidence That Wins Deposit Cases

Every rule above ultimately turns on proof. Mississippi Code section 89-8-21 places the burden on the landlord to justify each deduction, which means the landlord who cannot document a charge loses it — regardless of whether the damage was real. Build the evidence file across the whole tenancy, not at the end.

At Move-In

  • A written condition checklist, room by room, signed and dated by the tenant.
  • Timestamped photos or video of every wall, floor, fixture, and appliance, stored where the date cannot be doubted.
  • A written note of any pre-existing wear, so it is never later charged to the tenant.

During the Tenancy

At Move-Out

  • The documented surrender date and the tenant’s written demand and forwarding address.
  • A second set of timestamped photos taken at surrender, to compare against move-in.
  • Invoices, estimates, or a documented in-house cost for every charge claimed.
  • Proof that the itemized notice and refund were mailed within forty-five days.

The Single Most Common Failure

The deduction Mississippi landlords lose most often is the vague one: a line that reads “cleaning” or “painting” with a number and nothing behind it. A tenant can challenge that in Justice Court and usually win, because the landlord cannot show the work, the cost, or that it went beyond ordinary wear and tear — and the statute’s itemization requirement makes the vagueness itself a violation. Specificity is the whole game: “professional carpet cleaning to remove pet odor, invoice attached” survives; “cleaning” does not.

Landlord Best Practices to Avoid Deposit Disputes Entirely

The cheapest deposit dispute is the one that never happens. A few disciplined habits protect a Mississippi landlord across an entire portfolio.

  • Document move-in exhaustively. A signed checklist and dated photos of every room create the baseline that decides every future deduction.
  • Set a market-appropriate deposit. Mississippi has no cap, but a reasonable one-to-two-months’ deposit fills units and avoids the appearance of over-collection.
  • Call it a deposit, and treat it as refundable. Keep genuine fees separate and honestly labeled; a security deposit is returnable minus lawful deductions.
  • Get the demand and address in writing. Ask for a written demand and forwarding address at move-out so the forty-five-day clock is unambiguous.
  • Calendar the forty-five-day deadline from the surrender-and-demand and mail the itemized notice with proof, well before it expires.
  • Screen carefully before you ever hand over keys. The tenants most likely to leave a unit in disputed condition are often the ones a thorough screening would have flagged.

That last point is where most disputes are actually won — before the lease is ever signed. A prior eviction, a pattern of damage, or unstable finances rarely appears out of nowhere; it usually leaves a trail an applicant’s history reveals. Screening for it is the single highest-leverage habit a Mississippi landlord can build.

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Frequently Asked Questions

How much can a landlord charge for a security deposit in Mississippi?

Mississippi has no statutory cap on the amount of a residential security deposit. Mississippi Code section 89-8-21 governs how a deposit is handled and returned but sets no maximum, so the amount is a matter of the market and the lease. In practice most Mississippi landlords collect one to two months’ rent, and a deposit far above the local norm can make a unit hard to rent. Whatever amount is collected, every dollar held as a deposit is subject to the same return and itemization rules. Verify the current law, as figures change.

How long does a Mississippi landlord have to return a security deposit?

Under Mississippi Code section 89-8-21, the landlord must return any remaining deposit no later than forty-five days after the termination of the tenancy, the delivery of possession, and demand by the tenant. All three events matter, and the forty-five-day clock is generally measured from the latest of them. Because the tenant’s demand and surrender of possession are part of the trigger, a landlord should document when keys are returned and when the tenant asks for the deposit back. Verify the current statute before relying on the deadline.

Can a Mississippi landlord charge a non-refundable deposit or fee?

Mississippi Code section 89-8-21 does not expressly ban non-refundable fees the way some states do, and separate charges such as an application fee or a clearly labeled pet fee are common. But money held as a security deposit is refundable and must be accounted for at move-out under the statute, no matter what the lease calls it. Labeling a security deposit non-refundable to escape the return and itemization rules invites a dispute. State the purpose of every charge plainly in the lease and treat any deposit as refundable. Verify the current law.

What can a Mississippi landlord deduct from a security deposit?

Under Mississippi Code section 89-8-21 a landlord may claim only amounts reasonably necessary to remedy the tenant’s default in paying rent, to repair damage to the premises caused by the tenant beyond ordinary wear and tear, to clean the premises on termination of the tenancy, or for other reasonable and necessary expenses that result from the tenant’s default. A landlord may not deduct for ordinary wear and tear such as faded paint, lightly worn carpet, or small nail holes.

Does a Mississippi landlord have to itemize deductions?

Yes. Mississippi Code section 89-8-21 requires that the written notice by which the landlord claims all or any part of the deposit itemize the amounts claimed. A vague line such as cleaning or repairs with a number is not itemization; each deduction must be described and its amount stated. Failing to deliver an itemized written notice undercuts the landlord’s right to withhold and is a common reason landlords lose deposit disputes in Mississippi.

Does a Mississippi landlord have to pay interest on a security deposit?

No. Mississippi Code section 89-8-21 contains no requirement that a landlord pay interest on a residential security deposit, and Mississippi has no statewide interest mandate. A landlord may hold the deposit without paying interest. Some landlords still hold deposits in a separate account as a matter of good bookkeeping, but that too is a best practice rather than a legal requirement in Mississippi. Verify the current law before relying on this.

Does a Mississippi landlord have to hold the deposit in a separate account?

Mississippi law does not require a landlord to hold a residential security deposit in a separate or escrow account. A landlord may keep the deposit in a general account, which is lawful under Mississippi Code section 89-8-21. Keeping deposits segregated and tracked per unit is nonetheless sound practice: it makes the forty-five-day return and the itemized accounting far easier to prove if a dispute arises. Treat the separate account as a discipline, not an obligation.

What is the penalty if a Mississippi landlord wrongfully keeps a deposit?

Under Mississippi Code section 89-8-21, a landlord who retains a deposit in violation of the statute and with an absence of good faith may be liable for damages not to exceed two hundred dollars, in addition to any actual damages the tenant proves. In other words the tenant can recover what was wrongfully withheld as actual damages, plus up to two hundred dollars in statutory bad-faith damages. Mississippi does not impose a two- or three-times multiplier the way some states do. Verify the current figures before relying on them.

Does a Mississippi tenant have to give a forwarding address or demand to get the deposit back?

Mississippi Code section 89-8-21 ties the forty-five-day clock to the termination of the tenancy, the delivery of possession, and the tenant’s demand. Because demand is part of the trigger, a tenant should ask for the deposit back in writing and give a forwarding address so the landlord can send the refund and itemized notice. A landlord who has not received a demand or address should still document the surrender and mail the accounting to the last known address. Verify the current statute.

Can a Mississippi tenant use the security deposit as last month’s rent?

Generally no. A security deposit is meant to cover unpaid rent and damage after move-out, not to substitute for the last month’s rent. A Mississippi tenant who simply stops paying and tells the landlord to apply the deposit is treated as in default and can face a notice to pay or quit and eviction for non-payment. At move-out the landlord may apply the deposit to any unpaid rent, but the tenant cannot unilaterally convert the deposit into rent. For the demand process, see our guide on dealing with a non-paying tenant.

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Disclaimer: This guide provides general information about Mississippi security deposit law under Mississippi Code section 89-8-21 and is not legal advice. Security deposit law changes and can turn on the specific facts of a tenancy. For a specific situation, consult a licensed Mississippi attorney before withholding, returning, or disputing a deposit. See our editorial standards for how we research and review this content.