The cap and where the money is kept
A Missouri landlord may not demand or receive a security deposit of more than two months' rent. Under the statute's definition, a deposit for a pet is not part of the security deposit (RSMo 535.300). The landlord must keep deposits in an account at a federally insured financial institution. Any interest earned belongs to the landlord, not to you. Government landlords are exempt from the account rule.
Three reasons to keep money
The landlord may withhold only what is reasonably necessary to:
- cover your default in paying rent;
- restore the unit to its condition at the start of the tenancy, apart from ordinary wear and tear;
- compensate for actual damages from your failure to give adequate notice.
A lease clause can allow a deduction for carpet cleaning if the landlord gives you a receipt for that cleaning within 30 days.
30 days and the inspection
Within 30 days after the tenancy ends, the landlord must return the full deposit or give you an itemized list of damages along with the balance. The landlord must give you reasonable notice of the date and time of the move-out inspection, and you are entitled to be present.
Our calculator counts the 30 days for you.
Steps to recover a Missouri deposit
- Check that the deposit did not exceed two months' rent.
- Attend the move-out inspection and take photos.
- Leave a forwarding address.
- On day 31, demand the money in writing, citing RSMo 535.300.
- If that fails, file a claim in small claims court.
Neighboring states
Illinois sets 30 or 45 days. Iowa also caps at two months but adds bad-faith punitive damages, and Arkansas gives 60 days. Tennessee, Kentucky and Oklahoma set no cap.
Frequently asked questions
What is the maximum security deposit in Missouri?
Two months' rent. Pet deposits are excluded from the definition (RSMo 535.300).
How long does a Missouri landlord have to return a deposit?
30 days after the tenancy ends.
Can I attend the move-out inspection in Missouri?
Yes. The landlord must give reasonable notice of the date and time, and you may be present.
What is the penalty in Missouri?
Up to twice the amount wrongfully withheld.
Sources
Last reviewed Oct 17, 2026. Read how we verify. Found an error? Tell us.