Moving to Indianapolis? What You Need to Know About Security Deposits (2026)

Pre-Move Checklist

Before You Pay a Deposit in Indianapolis

Get a move-in inspection in writing. Walk through the unit with your landlord and document every mark, stain, and scratch on a signed move-in checklist. Keep your copy.
Document everything with timestamped video. Record a slow walkthrough of every room before you bring in any belongings. Upload it somewhere dated so the timestamp cannot be disputed.
Get a receipt for your deposit. Indiana law requires written documentation. Demand a signed receipt showing the exact amount paid and the account or method used to hold it.
Confirm the deposit amount is within legal limits. Indiana law does not set a statewide cap on deposit amounts, though you can negotiate the figure with your landlord. Ask your landlord to confirm the figure in writing before you hand over any money.
Understand your forwarding address obligations. In Indiana, the 45-day return clock starts on your move-out date. Still provide a forwarding address in writing so your landlord has no excuse for delays.

Pro Tip

Document Before You Sign

Walk through the unit with your phone recording before you hand over keys or sign anything. Timestamped video is your strongest protection if the landlord disputes the move-out condition.

Indiana Law

Security Deposit Laws That Protect You in Indianapolis

Return Deadline

45 days

45 days after move-out, per Ind. Code §32-31-3-12

Penalty if Late

Full deposit forfeiture

Applies automatically on deadline violation

Itemization Required

Yes

Written itemization required within 45 days

Under Ind. Code §32-31-3-12, Indianapolis landlords must return your deposit or provide written itemized deductions within 45 days of move-out. If your landlord misses the deadline, they may forfeit the right to keep any portion of the deposit.

Deductions

What Can a Indianapolis Landlord Deduct from Your Deposit?

Legal Deductions

Actual damage beyond normal wear and tear that you caused
Unpaid rent or fees owed under the lease
Professional cleaning if the lease requires it and you left the unit dirty
Costs to replace items you removed or damaged beyond repair

Illegal Deductions

Normal wear and tear (explicitly prohibited under Indiana law)
Pre-existing damage that was present before you moved in
Routine maintenance that is the landlord's responsibility
Cosmetic updates the landlord wanted to make regardless of your tenancy

Note: Indiana law explicitly prohibits landlords from deducting for normal wear and tear. If your landlord attempts this, it can be used as evidence of bad faith and may trigger additional penalties.

Watch Out

Security Deposit Red Flags in Indianapolis

Landlord asks for more than 1-2 months rent as deposit (check Indiana cap)
No written lease or deposit receipt offered
Refuses to do a move-in inspection or provide a checklist
Unit already has visible damage before you move in
"Non-refundable deposit" language (often illegal under Indiana law)
Landlord has online reviews mentioning deposit disputes or withheld deposits

Move-Out Guide

Protecting Your Deposit When You Leave Indianapolis

Give proper written notice per your lease. Most leases require 30 or 60 days written notice. Sending a late or oral notice can give a landlord grounds to deduct from your deposit.
Request a move-out inspection. Ask your landlord in writing to schedule a move-out walkthrough with you present so you can address any concerns before they become deductions.
Clean thoroughly and document with video. Record a final walkthrough of every room in the same style as your move-in video. Compare the two recordings side-by-side if disputes arise.
Return all keys and get a receipt. Hand over all keys, fobs, and access devices in person if possible and ask for a signed acknowledgment. This establishes your official move-out date.
Provide forwarding address in writing. Even though the deadline in Indiana starts on your move-out date, send your forwarding address in writing to remove any excuse for delay.
Track the calendar from move-out date. Count 45 days from your move-out. If you have not received your deposit or an itemized statement by that date, you have grounds to demand it.

Common Questions

Security Deposit FAQ for Indianapolis Renters

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

Indiana law does not set a statewide cap on deposit amounts, though you can negotiate the figure with your landlord. Always confirm the exact amount in writing before signing your lease, and get a receipt once you pay. If a landlord asks for an unusually large deposit, ask them to cite the legal basis.

How long does my Indianapolis landlord have to return my deposit?

Under Ind. Code §32-31-3-12, Indiana landlords have 45 days to return your security deposit along with an itemized written statement of any deductions. The 45-day clock starts on your official move-out date. If they miss this deadline, if your landlord misses the deadline, they may forfeit the right to keep any portion of the deposit.

What do I do if my Indianapolis landlord won't return my deposit?

Start by sending a formal written demand letter citing Ind. Code §32-31-3-12 and the 45-day return requirement. State the amount owed and the applicable penalties. If your landlord does not respond, you can file a claim in Indiana small claims court (limit: $10,000). GetItBack generates a free personalized demand letter in under 2 minutes.

Moving to Indianapolis: What Renters Need to Know About Security Deposits