Free Kentucky Rent-to-Own Agreement Template

Last reviewed September 2026

Written by LawLease Editorial

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Kentucky Rent-to-Own Agreement

This Rent-to-Own Agreement is built with Kentucky as the governing state. These are the Kentucky landlord-tenant rules that most often bear on it, with the statute for each.

Kentucky rules at a glance

Kentucky rules for a Rent-to-Own Agreement
Security deposit limit	No statutory cap
Deposit return	No fixed deadline; refund-notice and 30/60-day rules where URLTA appliesKRS 383.580(6)–(7)
Deposit account	The location and account number of the separate security-deposit account (KRS 383.580(1)).
Rent-increase notice	No statute; in URLTA areas, give at least the 30-day month-to-month termination notice
Rent increases	There’s no statutory rent-increase notice period. A fixed-term lease can’t be raised mid-term unless it allows it; for a month-to-month tenancy in a URLTA area, the safe practice is to give at least the 30 days’ notice needed to end it (KRS 383.695(2)).
Rent control	No Kentucky city or county has rent control, and since 2024 local governments may not adopt landlord–tenant ordinances that conflict with state law (KRS 383.198). The same 2024 law (HB 18) also bars local rules forcing landlords to accept federal housing vouchers.

Security deposits in Kentucky

Kentucky sets no limit on the amount of a security deposit. Where the URLTA applies, KRS 383.580 imposes three duties that many landlords miss — and a landlord who skips them can lose the right to keep any of the deposit (KRS 383.580(4)).

Separate account — Deposits must be held in an account used only for security deposits, at a bank or lending institution regulated by Kentucky or the U.S. government. Prospective tenants must be told where the account is and its account number (KRS 383.580(1)).
Move-in damage list — Before taking a deposit, the landlord must give the tenant a comprehensive list of existing damage with estimated repair costs; the tenant may inspect the unit to check it, and both sign (KRS 383.580(2)).
Move-out damage list — At move-out the landlord inspects and lists any damage to be charged with estimated costs; the tenant may inspect, and either signs or states in writing which items they dispute (KRS 383.580(3)).
Return timing — There is no single return deadline. If a tenant leaves without paying the last month’s rent and doesn’t demand the deposit, the landlord may apply it after 30 days. If the tenant owes nothing and a refund is due, the landlord mails a notice of the refund amount; if the tenant doesn’t respond within 60 days, the landlord may keep it (KRS 383.580(6)–(7)).

Rent, late fees & rent increases

Where the URLTA applies, rent is payable without demand or notice at the time and place agreed, and by default at the dwelling unit at the start of each month (KRS 383.565(2)).

Late fees — Kentucky has no statutory late-fee cap. The amount and any grace period come from the lease, so they should be written in clearly.
Rent increases — There’s no statutory rent-increase notice period. A fixed-term lease can’t be raised mid-term unless it allows it; for a month-to-month tenancy in a URLTA area, the safe practice is to give at least the 30 days’ notice needed to end it (KRS 383.695(2)).
Rent control — No Kentucky city or county has rent control, and since 2024 local governments may not adopt landlord–tenant ordinances that conflict with state law (KRS 383.198). The same 2024 law (HB 18) also bars local rules forcing landlords to accept federal housing vouchers.

Required disclosures in Kentucky

The manager/owner, deposit-account, and damage-list duties come from the URLTA sections of Chapter 383, so they bind landlords where the Act is in force. Following them everywhere in Kentucky costs little and keeps the deposit defensible if your locality has adopted the Act.

Manager & owner — The name and address of the property manager and of an owner or agent authorized to accept notices and service of process, in writing at or before move-in (KRS 383.585).
Deposit account — The location and account number of the separate security-deposit account (KRS 383.580(1)).
Damage listing — A signed list of existing damage, with estimated repair costs, before the deposit is paid (KRS 383.580(2)).
Lead-based paint — Federal law requires the lead warning and any known-hazard disclosure for housing built before 1978 (42 U.S.C. §4852d).

Kentucky Rent-to-Own Agreement FAQs

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

Kentucky sets no maximum. In URLTA areas, the deposit must sit in a separate deposit-only account, the tenant must be told where it is and the account number, and the landlord must provide a signed move-in damage list — or risk losing the right to keep any of it (KRS 383.580).

How long does a landlord have to return a security deposit in Kentucky?

Kentucky has no single statutory deadline. Where the URLTA applies, a landlord owed the last month’s rent may apply the deposit after 30 days if the tenant doesn’t demand it; if a refund is due, the landlord mails a notice of the amount and may keep it only if the tenant doesn’t respond within 60 days (KRS 383.580(6)–(7)). The period in your lease sets the practical deadline.

How much notice to end a month-to-month lease in Kentucky?

In URLTA areas, written notice at least 30 days before the periodic rental date (KRS 383.695(2)). Outside URLTA areas, a landlord ends a tenancy at will with one month’s written notice (KRS 383.195).

Rent-to-Own Agreement in other states

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