Retainage · Vermont

Vermont retainage law: 30-day release, no percentage cap (2026)

By Oussama Chicha, EditorUpdated Checked against primary sources · not yet reviewed by a licensed professionalFact-checked
Quick answer

Vermont puts no percentage cap on retainage. Retainage due on final completion must be paid within 30 days after final acceptance of the work (9 V.S.A. § 4005), and a contractor pays a subcontractor's share within 7 days of receiving it. Public jobs follow the same rule because 'Owner' includes the State, municipalities and school districts. Wrongful withholding draws a 1% monthly penalty plus attorney's fees.

Private work

Vermont · Private workVerified 2026-09-22
Retainage cap
Vermont sets no percentage cap. It regulates timing instead: retainage must be paid within 30 days after final acceptance. A contractor or subcontractor may not hold retainage on delivered materials that are covered by a manufacturer's warranty or graded to industry standards (Sec. 4005(e)), except where the party is both materialman and installer.
Deadline
30 days
Final acceptance of the work (and, where the owner holds no retainage but a contractor does hold it from its subcontractor, the same 30-day clock from final acceptance applies).
What the statute says
If payments under a construction contract are subject to retainage, any amounts that have been retained during the performance of the contract and that are due to be released to the contractor upon final completion shall be paid within 30 days after final acceptance of the work.
9 V.S.A. Sec. 4005. · Official text · retrieved 2026-09-22

Public work

Vermont · Public workVerified 2026-09-22
Retainage cap
Vermont sets no percentage cap. It regulates timing instead: retainage must be paid within 30 days after final acceptance. A contractor or subcontractor may not hold retainage on delivered materials that are covered by a manufacturer's warranty or graded to industry standards (Sec. 4005(e)), except where the party is both materialman and installer. The chapter reaches public work because 'Owner' is defined to include the State of Vermont and its instrumentalities and subdivisions, including municipalities and school districts.
Deadline
30 days
Final acceptance of the work (and, where the owner holds no retainage but a contractor does hold it from its subcontractor, the same 30-day clock from final acceptance applies).
What the statute says
If payments under a construction contract are subject to retainage, any amounts that have been retained during the performance of the contract and that are due to be released to the contractor upon final completion shall be paid within 30 days after final acceptance of the work.
9 V.S.A. Sec. 4005. · Official text · retrieved 2026-09-22

Who this applies to

Vermont's retainage section, 9 V.S.A. § 4005 [1], sits in chapter 102 of Title 9 [7] and governs private and public construction contracts in the same words. Public work is covered through a definition: under § 4001, "Owner" includes the State of Vermont and its instrumentalities and subdivisions, among them municipalities and school districts [2]. A State contract, a municipal or school-district project and a private job all run on one timing rule.

The rule also reaches past the owner. Where the owner holds no retainage but a contractor holds some back from its subcontractor, the same clock, 30 days [1] from final acceptance, applies to that subcontract. When a contractor receives retainage, its subcontractor's share is due within 7 days [1].

Section 4009 carves out one situation: the chapter does not apply to materials bought by a natural person working on their own property [6].

What the rule says

There is no ceiling on how much may be held back; Vermont controls when it has to come back. Amounts retained during performance that are due for release on final completion must be paid within 30 days [1] after final acceptance of the work.

Section 4005(e) takes one category of money off the table. A contractor or subcontractor may not hold retainage on delivered materials that carry a manufacturer's warranty or are graded to industry standards, unless that same party is both the materialman and the installer [1].

How to comply

The statute text and your contract remain the authority for a specific dispute.

What changed recently

Section 4005 was added by 1991, No. 74, § 1, and took effect on January 1, 1992 [1]. It was amended in 2017 by No. 179 of the adjourned session, § 3 [1].

Related

Retainage laws: other states

Sources

  1. 9 V.S.A. Sec. 4005, Retainage (retrieved 2026-09-22)
  2. 9 V.S.A. Sec. 4001, Definitions (retrieved 2026-09-22)
  3. 9 V.S.A. Sec. 4003, Contractor's and subcontractor's payment obligations (retrieved 2026-09-22)
  4. 9 V.S.A. Sec. 4007, Disputes; penalties; attorney's fees (retrieved 2026-09-22)
  5. 9 V.S.A. Sec. 4005a, Fund held in trust (retrieved 2026-09-22)
  6. 9 V.S.A. Sec. 4009, Owner exclusion (retrieved 2026-09-22)
  7. 9 V.S.A. ch. 102 section list (retrieved 2026-09-22)

Changelog

  1. : Page published.
  2. : Dataset first published with 36 of 51 jurisdictions verified.