Reference Source

Kentucky

For Kentucky, public project retainage cap (%) is 10% until 50% complete, then 5%; private project retainage cap (%) is 10% until 50% complete, then 5%; release deadline is 30 days after substantial completion; escrow required is no; milestone reduction is retainage held after fifty-one percent (51%) of the construction project has been completed shall not be more than five percent (5%), recorded from its source on 2026-08-17.

State
Kentucky
Public project retainage cap (%)
10% until 50% complete, then 5%
Private project retainage cap (%)
10% until 50% complete, then 5%
Release deadline
30 days after substantial completion
Escrow required
no verified
Milestone reduction
retainage held after fifty-one percent (51%) of the construction project has been completed shall not be more than five percent (5%) verified
Statutory citation
KRS 371.410 our reading
Sourceapps.legislature.ky.gov
Verified
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DatasetConstruction retainage limits by US state — maximum withholding percentages, release deadlines, escrow requirements, and public vs private distinctions with statutory citations

Values marked our reading are our classification of what the source says — the source does not print them in those words. The quote below is the evidence for each one; judge it yourself.

What the source says

until fifty percent (50%) of the construction project has been completed in accordance with the contract, a contracting entity, contractor, or subcontractor may withhold no more than ten percent (10%) retainage from the amount of any undisputed payment due, and retainage held after fifty-one percent (51%) of the construction project has been completed shall not be more than five percent (5%) of the total contract amount.

apps.legislature.ky.gov, retrieved 2026-08-17

Source

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