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What Is a Tennessee Residential Lease Agreement?

A Tennessee residential lease agreement is a contract between a landlord and tenant for renting a dwelling. Tennessee is a patchwork state—the Uniform Residential Landlord and Tenant Act (URLTA, Tenn. Code §§ 66-28-101 to 66-28-521) applies only in counties with populations exceeding 75,000 under the 2010 census. In URLTA counties, the statute governs deposits, habitability, and eviction procedures. In other counties, rights depend primarily on the lease agreement.

When to Use a Residential Lease in Tennessee

  • Renting a house, apartment, condo, or other dwelling as a primary residence.
  • Establishing a fixed-term or month-to-month tenancy.
  • Leasing in a URLTA county (including Davidson, Shelby, Knox, Hamilton, and Rutherford counties).
  • Leasing outside URLTA counties where the lease controls most tenant-protection provisions.

Key Tennessee Residential Lease Provisions

  • Security Deposit: Tennessee does not impose a statutory cap on the deposit amount. In URLTA counties, the deposit must be held in a separate account used only for that purpose, and the landlord must notify the tenant of the account location when the lease is signed. Tenn. Code § 66-28-301(a), (h).
  • Deposit Return: In URLTA counties, post-move-out damages must be discovered before the earlier of 30 days after the tenant vacates or seven days after a new tenant takes possession. § 66-28-301(g).
  • Late-Fee Cap: A grace period of five days applies before a late fee can be charged. The fee may not exceed 10% of the amount of rent past due. § 66-28-201(d).
  • Fire/Casualty Insurance Disclaimer: The lease must contain a written statement that the landlord's fire or casualty insurance does not cover the tenant's personal property. § 66-28-201(a).
  • Habitability (URLTA Counties): The landlord must keep the premises fit and habitable. § 66-28-304. For general noncompliance, the tenant may give 14 days' written notice and terminate if not cured. § 66-28-501. For essential-services failures, the tenant may procure substitute services and deduct the cost, recover damages, or obtain substitute housing. § 66-28-502.
  • Entry Notice: Tennessee does not have a general statewide statute requiring a fixed advance-notice period for all landlord entries. In URLTA counties, the landlord may enter for inspections, repairs, and services, and may not abuse access. A 24-hour notice provision applies specifically to showings during the final 30 days when the lease grants that right. § 66-28-403.
  • Rent Control Preemption: Local governments are prohibited from enacting rent control on private residential property. § 66-35-102(a).
  • Non-URLTA Counties: In counties that do not meet the population threshold, tenant rights are governed by the lease agreement, common-law principles, and any separately enacted local protections.

Frequently Asked Questions

Is there a security deposit limit in Tennessee?

No statutory cap. In URLTA counties, the deposit must be held in a separate account and the tenant must be notified of its location. Tenn. Code § 66-28-301(a), (h).

Does Tennessee's landlord-tenant act apply statewide?

No. The URLTA (Tenn. Code §§ 66-28-101 to 66-28-521) applies only in counties with populations exceeding 75,000 under the 2010 census, including Davidson, Shelby, Knox, Hamilton, and Rutherford counties.

When can a Tennessee landlord charge a late fee?

Not until rent is at least five days past due. The fee may not exceed 10% of the past-due rent. § 66-28-201(d).

Does a Tennessee lease require an insurance disclaimer?

Yes. The lease must state in writing that the landlord's fire or casualty insurance does not cover the tenant's personal property. § 66-28-201(a).

Can a Tennessee tenant withhold rent for repairs?

In URLTA counties, the tenant may give 14 days' notice and terminate for material noncompliance (§ 66-28-501). For essential-services failures, the tenant may procure substitute services and deduct the cost (§ 66-28-502). Outside URLTA counties, remedies depend on the lease.