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Owner-builder permits: doing your own work

An owner-builder is a property owner who takes out the permit and does or directs the work instead of hiring a licensed contractor. Whether you can depends on two layers: state licensing law (which may exempt owners working on their own home) and the city’s own permit rules. Many states attach conditions, such as living in the home, not selling it soon, or signing an affidavit.

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  1. State owner-builder rules
  2. City rules for homeowners
  3. Sources

State owner-builder rules

StateWhat the law says
Alabama Ala. Code § 34-14A-6(5); § 34-14A-2(16); § 34-8-7(a)(3); § 34-36-13(a)(5); § 34-37-15(a)(5), (b)
  • Owner-builder exempt from home builder license. Owners of property when acting as their own contractor and providing all material supervision themselves, when building or improving one-family or two-family residences on such property for the occupancy or use of such owners and not offered for sale.1
  • Not transferable. This exception may not be transferred to any other person, including, but not limited to, an agent through a power of attorney.1
Alaska AS 08.18.161(9), (11); AS 18.60.715(c); AS 08.40.190(b)(3); AS 08.40.390(b)(3)
  • Own existing structure exempt from contractor registration. …a person working on an existing structure on that person's own property, whether occupied by the person or not, and a person working on that person's own existing residence, whether owned by the person or not…3
  • One home or building every two years. …an owner who acts as the owner's own contractor and in doing so performs the work independently or hires workers or subcontractors, purchases materials, and, as such, sees to the paying for all labor, subcontractors, and materials; in this case, the owner shall be limited to construction of one home, duplex, triplex, four-plex, or commercial building every two years…3
Arizona A.R.S. § 32-1121(A)(5)
  • Owners of property who improve such property or who build or improve structures or appurtenances on such property and who do the work themselves, with their own employees or with duly licensed contractors, if the structure, group of structures or appurtenances, including the improvements thereto, are intended for occupancy solely by the owner and are not intended for occupancy by members of the public as the owner's employees or business visitors and the structures or appurtenances are not intended for sale or for rent.5
  • 1 year. In all actions brought under this chapter, except an action against an owner-occupant as defined in section 33-1002, proof of the sale or rent or the offering for sale or rent of any such structure by the owner-builder within one year after completion or issuance of a certificate of occupancy is prima facie evidence that such a project was undertaken for the purpose of sale or rent.5
Arkansas A.C.A. §§ 17-25-513, 17-25-610, 17-25-101(a)(2), 17-38-302, 17-33-102; 17 CAR § 210-602
  • Own residence, one per calendar year. A person who acts as a residential building contractor in the construction of his or her residence unless he or she builds more than one (1) residence during any calendar year…8
  • Owner as own home improvement contractor. The owner of a single family residence acting as his or her own home improvement contractor on his or her own property…8
California Cal. Bus. & Prof. Code § 7044; Cal. Health & Safety Code § 19825
  • Owner personally or with wage employees; not for sale. An owner who builds or improves a structure on his or her property, provided that both of the following conditions are met…13
  • None of the improvements for sale. None of the improvements are intended or offered for sale.13
Colorado C.R.S. §§ 12-115-116(2), 12-115-120(11), 12-155-118(2), 12-155-120(11); 3 CCR 710-1 Rule 1.9
  • Own property or residence, electrical, with inspection. Nothing in this article 115 shall be construed to require any individual to hold a license before doing electrical work on his or her own property or residence if all such electrical work, except for maintenance or repair of existing facilities, is inspected as provided in this article 115; if, however, the property or residence is intended for sale or resale by a person engaged in the business of constructing or remodeling the facilities or structures or is rental property that is occupied or is to be occupied by tenants for lodging, either transient or permanent, or is generally open to the public, the owner shall be responsible for, and the property shall be subject to, all of the provisions of this article 115 pertaining to inspection and licensing, unless specifically exempted therein.15
  • Homeowner may apply for an electrical permit. The qualified applicant is defined as a homeowner performing work in accordance with statutory requirements.16
Connecticut Conn. Gen. Stat. § 20-340(11); Conn. Gen. Stat. §§ 29-263(a), 20-419(5)(B)(vi)
  • No permit shall be issued except upon application of the owner of the premises affected or the owner's authorized agent.17
  • …persons engaged in the installation, maintenance, repair and service of glass or electrical, plumbing, fire protection sprinkler systems, solar, heating, piping, cooling and sheet metal equipment in and about single-family residences owned and occupied or to be occupied by such persons; provided any such installation, maintenance and repair shall be subject to inspection and approval by the building official of the municipality in which such residence is located and shall conform to the requirements of the State Building Code…18
Delaware 24 Del. C. §§ 1402, 1417, 1419, 1807(c)(2), 1820(c)(2); 16 DE Admin. Code 4455 § 2.7; 9 Del. C. § 6302(b)
  • Electrical allowed with homeowner permit. Any person, who plans to install that person’s own internal wiring, electrical work or equipment, including the main breaker or fuse, in or about that person’s own home, that is not for sale nor any part for rent, excluding swimming pools and hot tubs, shall obtain a homeowner’s permit.20
  • 1 year. Permits shall be valid for 1 year.20
District of Columbia 12-A DCMR §§ 105.3.1, 105.3.1.1, 105.8; 16 DCMR § 899
  • Permit applications shall be submitted by the owner or lessee of the premises, or an authorized agent of either.28
  • Trade permits only by or for a DC-licensed master. A trade permit application shall be submitted only by, or on behalf of, the D.C.-licensed master tradesperson who is to be responsible for supervising the work to be done under a trade permit when issued.28
Florida Fla. Stat. §§ 489.103(7), 489.503(6)
  • Owner may act as own contractor. (7)(a) Owners of property when acting as their own contractor and providing direct, onsite supervision themselves of all work not performed by licensed contractors…30
  • $75,000. 1. When building or improving farm outbuildings or one-family or two-family residences on such property for the occupancy or use of such owners and not offered for sale or lease, or building or improving commercial buildings, at a cost not to exceed $75,000, on such property for the occupancy or use of such owners and not offered for sale or lease.30
Georgia O.C.G.A. §§ 43-41-17(h), 43-14-19(d)(1)
  • Nothing in this chapter shall preclude any person from constructing a building or structure on real property owned by such person which is intended upon completion for use or occupancy solely by that person and his or her family, firm, or corporation and its employees, and not for use by the general public and not offered for sale or lease.33
  • In so doing, such person may act as his or her own contractor personally providing direct supervision and management of all work not performed by licensed contractors.33
Hawaii HRS §§ 444-2(7), 444-2.5, 444-9.1; HAR § 16-77-3
  • Owner-builder exempted. Owner-builders exempted under section 444-2.5…36
  • Owner or lessee may act as own general contractor. The exemption provided in section 444-2.5, Hawaii Revised Statutes, allows you, as the owner or lessee of your property, to act as your own general contractor even though you do not have a license.37
Idaho Idaho Code §§ 54-5205(2)(l), 54-5205(2)(p), 54-5209(1); IDAPA 24.39.20.500; IDAPA 24.39.70.500
  • Owners exempt from registration. Owners: Owners who do their own work on their own land and do not intend to sell the property within 12 months are exempt from registration.39
  • An owner performing construction on the owner’s personal residential real property, whether or not occupied by the owner, provided however, this exemption shall not apply to an owner who is otherwise regulated by this chapter who constructs a building, residence or other improvement on the owner’s property with the intention and for the purpose of promptly selling the improved property, unless the owner has continuously occupied the property as the owner’s primary residence for not less than twelve (12) months prior to the sale of such property…40
Illinois 225 ILCS 320/3
  • Plumbing: occupant-owner rule, 6-month occupancy. …he or she has a current intention to live in such premises as his or her bona fide sole and exclusive residence for a period of not less than 6 months after the completion of the plumbing work…45
  • Presumption if not lived in for 6 months. Failure to possess and live in the premises as a sole and exclusive residence for a period of 6 months or more shall create a rebuttable presumption of a lack of such intention.45
Indiana IC 25-28.5 (unread); local ordinances
  • Local example: Merrillville plumbing permit for a homeowner with drawing and affidavit. However, a homeowner may be issued a permit upon submission of an isometric drawing of the plumbing lines, to be approved by the plumbing inspector, and upon signing an affidavit that the homeowner will be doing the plumbing installation.47
  • Local example: Merrillville electrical permit for a homeowner with drawing and affidavit. However, a homeowner may be issued a permit upon submission of a schematic drawing to be approved by the electrical inspector, and upon signing an affidavit that homeowner will be doing the electrical installation.47
Iowa Iowa Code §§ 91C.1(1)(a), 103.22(7), 105.11(3), 105.11(14)
  • Work on your own property is outside contractor registration. However, a person who earns less than two thousand dollars annually or who performs work or has work performed on the person’s own property is not a contractor for purposes of this chapter.48
  • Electrical licensing exemption: owner, principal residence, existing dwelling, single-family size. Prohibit an owner of property from performing work on the owner’s principal residence, if such residence is an existing dwelling rather than new construction and is not an apartment that is attached to any other apartment or building, as those terms are defined in section 499B.2, and is not larger than a single-family dwelling, or require such owner to be licensed under this chapter.49
Kansas
  • Roofing registration targets business for a fee. Engages in the business of commercial or residential roofing services for a fee…53
Kentucky KRS 227A.030(3); KRS 227.480(2)(a); KRS 198B.674(3); 815 KAR 20:050 Section 2; 815 KAR 8:070 Section 2
  • Plumbing permit available to homeowner. A homeowner who wishes to construct, install, or alter plumbing, sewerage, or drainage in a home occupied by the homeowner or constructed by the homeowner for the homeowner's own personal residential use, if: 1.54
  • Homeowner plumbing affidavit required. The homeowner files with the application an affidavit stating that the homeowner shall abide by the terms of this section…54
Louisiana R.S. 37:2157(A)(13), (A)(15)(a); R.S. 37:2160(C)
  • Owners may act as their own contractor on a personal residence, one residence per year. Owners of property who supervise, superintend, oversee, direct, or in any manner assume charge of the construction, alteration, repair, improvement, movement, demolition, putting up, tearing down, or maintenance of their personal residences, if the homeowner does not build more than one residence per year.58
  • Affidavit required to get the permit. The local building permit official shall require any applicant claiming an exemption for residential construction activities to execute an affidavit attesting to the claimed exemption.58
Maine 32 M.R.S. §§1102-D, 1201-A(13), 3302(1)(C); 30-A M.R.S. §4221(4)(A)
  • Yes, existing single-family dwelling occupied and owned by that person. …a person making electrical installations in an existing single-family dwelling occupied and owned by that person, as long as the installation conforms with the standards of the National Electrical Code or other standards approved by the board.60
  • Yes, in a single-family residence occupied or to be occupied by that person. Plumbing by a person in a single-family residence occupied or to be occupied by that person as that person's bona fide personal abode as long as the installation conforms with board laws and rules…61
Maryland Md. Code, Business Occupations and Professions § 12-301(b); Business Regulation §§ 8-101(c), 9A-103(1)
  • Plumbing license not required for an individual working personally in their own residence. (b) (1) Subject to paragraph (2) of this subsection, this section does not apply to an individual who personally provides plumbing services in the residence of the individual.64
  • No final connection to a public or private system under the exemption. (2) An individual may not provide plumbing services that make a final connection between the residence of the individual and a public or private disposal system or water supply system.64
Massachusetts 780 CMR 110.R5.1.3.1
  • Exception: Any homeowner performing work for which a building permit is required shall be exempt from the licensing provisions of 780 CMR 110.R5, provided that if a homeowner engages a person(s) for hire to do such work, then such homeowner shall act as supervisor.65
  • Homeowner definition. HOMEOWNER. Person(s) who owns a parcel of land on which he or she resides or intends to reside, on which there is, or is intended to be, a one- or two-family dwelling, attached or detached structures accessory to such use and/or farm structures.65
Michigan MCL 339.2403(b), (c); MCL 339.2401(a)(iii); MCL 339.5737(3)(g); MCL 339.6107(2)(d); MCL 339.5819
  • (b) An owner of property, with reference to a structure on the property for the owner's own use and occupancy.67
  • (iii) A person that erects a residential structure except for the person's own use and occupancy on the person's property.67
Minnesota Minn. Stat. §§ 326B.805 subd. 6(3), 326B.33 subd. 21(f), 326B.46 subds. 1(a), 1a(a)
  • Owner-occupants and owners keeping a rental are exempt from contractor licensing. …an owner of residential real estate who builds or improves residential real estate if the owner occupies or will occupy the residential real estate for residential purposes, or will retain ownership for rental purposes upon completion of the building or improvement.70
  • Not for resale or speculation. This exemption does not apply to an owner who constructs or improves residential real estate for purposes of resale or speculation.70
Mississippi Miss. Code §§ 73-59-15, 73-59-17, 73-59-18, 31-3-1
  • Own-residence exemption from license law. Any person who undertakes construction or improvement on his own residence, or who acts as his own general contractor in the performance of construction or improvement on his own residence…75
  • One permit application or residence per year. A person specified in subsection (1)(b) or (c) shall not make more than one (1) application for a permit to construct a single residence or shall not construct more than one (1) single residences within a period of one (1) year.75
Montana Mont. Code Ann. §§ 37-45-104(13), 37-68-103(3), 37-69-102(1)(a), 50-60-506(4)
  • Owner may do own electrical work without a license. Except as provided in subsection (3)(b), this chapter does not require an individual to hold a license to perform electrical work on the individual's own property or residence if the property or residence is maintained for the individual's own use.77
  • Exception for grid-tied generators. Subsection (3)(a) does not include an exemption for an individual who is performing electrical work on a grid-tied generator located at the individual's own property or residence.77
Nebraska Neb. Rev. Stat. § 81-2121(5) (electrical)
  • Owner may do electrical work on own single-family principal residence or farm property without a license. Prohibit an owner of property from performing work on his or her principal residence, if such residence is not larger than a single-family dwelling, or farm property, excluding commercial or industrial installations or installations in public-use buildings or facilities, or require such owner to be licensed under the act…82
  • Limits on owner electrical exemption. Residential property owners may install electrical wiring on their principal residence property without being licensed. This does not include a relative's home, rental property, or recreational properties.82
Nevada NRS 624.031; NRS 278.573
  • Owner-builder exemption for own residence. An owner of property who is building or improving a residential structure on the property for his or her own occupancy and not intended for sale or lease.84
  • 1 year. The sale or lease, or the offering for sale or lease, of the newly built structure within 1 year after its completion creates a rebuttable presumption for the purposes of this section that the building of the structure was performed with the intent to sell or lease that structure.84
New Hampshire RSA 319-C:15, II; RSA 153:36, I and VIII(c)
  • Homeowner electrical allowed. Nothing in this chapter shall prevent a homeowner from making electrical installations in or about a single family residence owned and occupied by him or her or to be occupied by him or her as his or her bona fide personal abode.87
  • Homeowner plumbing allowed. To a property owner or the property owner's agent who installs, repairs, or replaces plumbing in the property owner's own single-family detached or townhouse residence, including new construction, or any property owner or property owner's agent who makes minor installations, repairs, or replacements to the owner's property.88
New Jersey N.J.A.C. 5:23-2.15(b), (f)
  • Except as otherwise provided by this act or in the code, before construction or alteration of any building or structure, the owner, or his agent, engineer or architect, shall submit an application in writing, including signed and sealed drawings and specifications, to the enforcing agency as defined in this act.89
  • Plumbing, electrical, heating, ventilating, air conditioning, and refrigeration, and master hearth specialist work shall not be undertaken except by persons licensed to perform such work pursuant to law, except in the case of a single-family homeowner on his or her own dwelling.90
New Mexico NMSA 1978, § 60-13-3(D)(10)-(11); 14.5.2.18 NMAC
  • Owner-occupant single-family dwelling exempt from contractor definition. …an individual who, by himself or with the aid of others who are paid wages and who receive no other form of compensation, builds or makes installations, alterations or repairs in or to a single-family dwelling owned and occupied or to be occupied by him; provided that the installation, building, alteration or repair is required to be done in conformity with all other provisions of the Construction Industries Licensing Act and with the orders, rules, regulations, standards and codes adopted pursuant to that act…91
  • A homeowner may apply for a homeowner’s building, plumbing or electrical permit to construct a residence or to remodel or construct an addition to an existing residence.92
New York N.Y. Educ. Law § 7307(1), (5); N.Y. Workers' Comp. Law §§ 57, 220(8)
  • …no official of this state, or of any county, city, town or village therein, charged with the enforcement of laws, ordinances or regulations relating to the construction or alteration of buildings or structures, shall accept or approve any plans or specifications that are not stamped…94
  • 1,500 square feet. This article shall not apply to: 1. Farm buildings, including barns, sheds, poultry houses and other buildings used directly and solely for agricultural purposes; nor to residence buildings of gross area of fifteen hundred square feet or less, not including garages, carports, porches, cellars, or uninhabitable basements or attics; or 2. Alterations, costing ten thousand dollars or less, to any building or structure within the city of New York and twenty thousand dollars or less, to any building or structure outside the city of New York which do not involve changes affecting the structural safety or public safety thereof.94
North Carolina N.C.G.S. § 87-1(b)(2); § 87-14; § 160D-1113
  • Yes: owner may act as own general contractor if the owner (and family) will solely occupy the building. A property owner can act as his own general contractor and thus be exempt from the requirement to hire a licensed general contractor for building projects costing $40,000 or more if the property owner (including the owner’s family) intends to solely occupy the building being altered or built on his property.97
  • 12 months. If the building is not solely occupied by the property owner for at least 12 months following completion of the project, it is presumed that the property owner did not intend to solely occupy the building.97
North Dakota N.D.C.C. § 43-18-11 (plumbing); N.D.A.C. § 24.1-05-01-01(6) (electrical)
  • Owner-occupant may do own plumbing unless local ordinance forbids it. Anyone not so licensed may do plumbing work which complies with the provisions of the minimum standards prescribed by the board on premises or that part of premises owned and actually occupied by the person as a residence, or may do plumbing repair on premises where the person is employed in full-time maintenance work, unless otherwise forbidden to do so by a local ordinance.99
  • Homeowner completes Plumbing Installation Certificate for inspected work. The Master or Journeyman plumber or homeowner that is installing the plumbing should complete the Plumbing Installation Certificate and return it the board office along with the appropriate fees.100
Ohio ORC 3791.04 (owner obtains plan approval); no state residential contractor license
  • Yes. In accordance with Ohio Administrative Code (OAC) Chapter 4101:8-1-01, pursuant to Ohio Revised Code (ORC) Section 3791.04, before beginning the construction, erection or manufacture of any building for which construction documents are required, the owner shall submit [jurisdiction to identify a # but at least two] copies of construction documents to [jurisdiction to identify location and address] for approval.102
  • No state license for residential contractors; local departments may require registration/licensing. While residential contractors are not required to be licensed by the state, local building departments throughout Ohio may have their own verification or licensing requirements.103
Oklahoma 59 O.S. § 1017(6) (plumbing); 59 O.S. § 1692(B)(3) (electrical); 59 O.S. § 1850.10 (mechanical); 59 O.S. § 1151.9(B)(1) (roofing); 11 O.S. § 43-109.2(B)
  • Plumbing License Law does not apply to an individual doing plumbing on own residence property. 6. An individual who performs plumbing work on such individual’s property of residence.104
  • No state license required for an individual doing electrical work on own property or residence, unless local rules require. 3. An individual to hold a license before doing electrical work on his own property or residence except as may be required by local ordinances and resolutions.104
Oregon ORS 701.010(5), (7); ORS 455.320
  • Owner working on own property is exempt from CCB contractor licensing. (7) A person performing work on a property that person owns or performing work as the owner’s employee, whether the property is occupied by the owner or not, or a person performing work on that person’s residence, whether or not that person owns the residence.106
  • Exemption lost if building to sell. This subsection does not apply to a person performing work on a structure owned by that person or the owner’s employee, if the work is performed in the pursuit of an independent business with the intent of offering the structure for sale before, upon or after completion.106
Pennsylvania 34 Pa. Code § 403.62(a); 73 P.S. § 517.2 (HICPA definition of "home improvement")
  • (a) An owner or authorized agent who intends to construct, enlarge, alter, repair, move, demolish or change the occupancy of a residential building or erect, install, enlarge, alter, repair, remove, convert or replace an electrical, gas, mechanical or plumbing system regulated by the Uniform Construction Code shall first apply to the building code official and obtain the required permit under § 403.62a (relating to permit application).108
  • Unpaid work by an owner on their own residence or rental property is outside HICPA. (v) Any work performed without compensation by the owner of the owner's private residence or residential rental property.109
Rhode Island R.I. Gen. Laws chs. 23-27.3, 5-65, 5-6, 5-20
  • Single-family owner-occupants may pull an electrical permit and do the work if competent (Providence). Single family owner-occupied homeowners may take out a permit to do the work themselves only if they can demonstrate a level of competency in performing the work.110
South Carolina S.C. Code §§ 40-59-260, 40-11-360(5)
  • This chapter does not apply to an owner of residential property who improves the property or who builds or improves structures or appurtenances on the property if…111
  • Owner does work himself, with own employees, or with licensed/registered contractors. …the owner does the work himself, with his own employees, or with licensed contractors or registered entities or individuals…111
South Dakota SDCL 36-16-15; ARSD 20:44:18:06, 20:44:22:06; SDCL 36-25-17
  • No license is required of a person installing electric wiring in or on…112
  • Own residence including accessory structures. The person's own residence, including attached or unattached accessory structures and the parcel of land upon which the structures are situated…112
Tennessee Tenn. Comp. R. & Regs. 0680-01-.22 and -.26, 0780-02-23-.05, 0780-02-01-.05(2), citing T.C.A. § 62-6-103
  • License exemption for owners building for individual use. Any person, business or church that owns property and constructs single residences or buildings for their individual use shall not need a contractor’s license.118
  • Not for resale or rental. This exemption does not apply to construction pertaining to resale, lease, rent or other similar purpose.118
Texas Tex. Occ. Code §§ 1301.051, 1302.053, 1305.003(a)(6); Tex. Loc. Gov't Code § 233.157(c)
  • A property owner is not required to be licensed under this chapter to perform plumbing in the property owner's homestead.123
  • Yes, in or on a dwelling the person owns and resides in, only for work not specifically regulated by a municipal ordinance (exemption from state electrician licensing). …work not specifically regulated by a municipal ordinance that is performed in or on a dwelling by a person who owns and resides in the dwelling…124
Utah Utah Code § 58-55-305(1)(d), (e), (j), (2) (renumbered to § 58-55-110 eff. 1/1/2027)
  • Sole owner may build own residence without a contractor license (limits apply). …no more than one residential structure per year on the sole owner's property and no more than three residential structures per five years on the sole owner's property for the sole owner's noncommercial, nonpublic use, except that a person other than the property owner or a person described in Subsection (1)(e), who engages in building a residential structure must be licensed under this chapter if the person is otherwise required to be licensed under this chapter…127
  • Sole owner may build sheds, carports, detached garages incidental to the home. …structures on the sole owner's property for the sole owner's noncommercial, nonpublic use that are incidental to a residential structure on the property, including a shed, carport, or detached garage…127
Vermont 20 V.S.A. § 2730(b)(1); Vermont Electrical Safety Rules 2025 § 2(c)(6); Vermont Plumbing Rules 2025 §§ 6(D), 11(A); 30 V.S.A. § 51(h)(4)
  • Owner-occupied single-family residence is not a 'public building'. (1) An owner-occupied single-family residence, unless used for a purpose described in subsection (a) of this section.128
  • Electrical Safety Rules do not apply to single-family owner-occupied dwellings (rentals and rented ADUs not exempt). (6) A single-family owner-occupied dwelling. This does not exempt single family rentals or accessory dwelling units (ADU’s) used as rentals, short term or long term, as defined by State statute 20 VSA 2730.129
Virginia Va. Code § 54.1-1101(A)(7), (B)-(D); § 54.1-1111; 13VAC5-63-80 (VCC 108.3)
  • Application for a permit shall be made by the owner or lessee of the relevant property or the agent of either or by the RDP, contractor, or subcontractor associated with the work or any of their agents.135
  • Licensing exemption: one primary residence for own use per 24 months. Any person who performs or supervises the construction, removal, repair, or improvement of no more than one primary residence owned by him and for his own use during any 24-month period…136
Washington RCW 18.27.090(11)-(13), 19.28.261(1) and (5), 18.106.150(1)
  • Owner working on own property exempt from contractor registration unless building to sell, demolish or lease. Any person working on his or her own property, whether occupied by him or her or not, and any person working on his or her personal residence, whether owned by him or her or not but this exemption shall not apply to any person who performs the activities of a contractor on his or her own property for the purpose of selling, demolishing, or leasing the property…138
  • Owner maintenance, repair and alteration exempt. An owner who performs maintenance, repair, and alteration work in or upon his or her own properties, or who uses his or her own employees to do such work…138
West Virginia W. Va. Code §§30-42-3(d)(2), 30-42-6(c)(8), 30-42-10(a), 21-14-3(c)(1), 21-16-3(d)(1), 29-3B-3(a)(1)
  • Owner doing own work is not a "contractor"; at permit application a person not subject to licensure files a written affidavit. A person who personally performs construction work on the site of real property which the person owns or leases whether for commercial or residential purposes…140
  • Work personally performed by owner or occupant exempt from contractor licensure. Work personally performed on a structure by the owner or occupant thereof…141
Wisconsin Wis. Admin. Code SPS 305 dwelling contractor certification, owner exception
  • Owner-occupant may obtain a UDC building permit without dwelling contractor certification. Per Wisconsin Administrative code the above does not apply to an owner of a dwelling who resides or will reside in the dwelling and who applies for a building permit to work on that dwelling.146
  • Owner-occupant attestation on the permit application. At Step 5, you will check the box above your electronic signature which states “I vouch that I am or will be an owner-occupant of this dwelling for which I am applying for an erosion control or construction permit without a Dwelling Contractor Certification and have read the cautionary statement regarding contractor responsibility on the reverse side of the last ply of this form.”147
Wyoming W.S. § 35-9-123(a)(i), (b)
  • Property owned or leased by a person when the person, his partner or a major stockholder of a family corporation is installing the equipment and the property is not for immediate resale…148
  • Waiver does not exempt the owner from code requirements. This requirement is waived for the following, however the waiver does not exempt the following persons from meeting all other code requirements under this act…148

City rules for homeowners

CityBuilding permitElectricalPlumbing
New York City, NYConstruction plans must be filed by a NYS licensed PE or RA (the Applicant-of-Record); the department’s page does not say whether an owner may hold the work permit149No - electrical permit applicant must be the licensed master or special electrician performing the work150No - plumbing permit applicant must be the licensed master plumber performing the work151
Los Angeles, CAYes (single-family dwelling e-permits: building, mechanical, electrical, plumbing)152Conditional: homeowner electrical permit if resided in the house 12 months or more153Yes (via single-family dwelling e-permit)152
Chicago, ILYes, as own general contractor for primary residence (≤6 units, ≤3 stories, one property per calendar year)154No155Yes, owner/occupant/lessee of a detached single-family residence, personally156
San Antonio, TXYes, if the owner will own the detached single-family dwelling for 12 months after completion and final inspection157–Yes, on a homestead where the homeowner resides, without assistance157
San Diego, CAYes158Yes159Yes160
Dallas, TXYes, on an existing structure the owner resides in as homestead, with a homeowner registration, not assisted by anyone for pay161Electrical repairs only, after passing a City of Dallas oral or written exam162Yes, on premises owned and occupied solely as homestead (exempt from plumbing contractor registration)161
Jacksonville, FLYes163––
Fort Worth, TXYes164Yes, only on the part of the system after the first main breaker164Yes164
San Jose, CAYes165––
Charlotte, NCYes - County has an owner-as-contractor permit track for residential projects under $40,000 (separate fee structure)166––
Columbus, OHYes167Conditional: existing single-family dwelling the owner occupies; not new construction167Conditional: existing single-family dwelling the owner occupies; not new construction168
Indianapolis, INYes169Only after passing a homeowner exam169Limited situations; ask DBNS169
San Francisco, CAYes170Conditional: owners of stand-alone single-family dwellings (R-3) only171Conditional: owners of stand-alone single-family dwellings (R-3) only172
Seattle, WAYes173Yes174Yes175
Denver, COYes (single-family home owner-occupier only; not ADUs, townhomes, condos or duplexes)176Yes, after passing a homeowner exam (state license may substitute)176Yes, after passing a homeowner exam (state license may substitute)176
Oklahoma City, OKYes177No178No178
Nashville, TNYes, for a single-family residence the owner occupies or intends to occupy ("Self Permit")179––
El Paso, TXYes, homestead permit for own occupied R-3 primary residence, acting as own general contractor180No (except minor fixture/receptacle additions exempt from permit); trade work by registered licensed contractors180No180
Las Vegas, NVYes, for the owner's primary residence181––
Boston, MAYes, for 1-2 family owner-occupied homes when doing the work themselves182No183No184
Detroit, MIConditional: residential work by the building owner who will occupy the dwelling185Conditional: homeowner trade permits (electrical, mechanical, plumbing) for single-family only; contractor needed for commercial and 2-family and up186Conditional: single-family structures185
Louisville, KYYes (in person at the office)187Yes, own primary residence for next 12 months188–
Portland, ORYes189Conditional190Yes191
Memphis, TNYes192–No193
Baltimore, MDYes (code): owner or lessee may apply for permits other than demolition/moving, formstone removal, underpinning194No195No196
Milwaukee, WIYes, if they occupy the property and it is not rented197–Yes in an owner-occupied single family home only197
Albuquerque, NMYes, for own single-family residence and/or garage (own use)198Conditional: after passing written exam (75% or greater)199Conditional: after passing written exam (75% or greater)199
Tucson, AZYes200––
Fresno, CAYes201––
Sacramento, CAYes202––
Atlanta, GAConditional: owner-occupant of single-family residence who personally does the work, with notarized Homeowner's Affidavit203Conditional: affidavit covers Mechanical, Electrical, Plumbing or Building permits203Conditional: affidavit covers Mechanical, Electrical, Plumbing or Building permits203
Mesa, AZConditional: owner-occupied projects may not require a licensed contractor204––
Kansas City, MO–Yes205Yes205
Raleigh, NCYes, with an Owner Exemption Affidavit206––
Colorado Springs, COYes207––
Miami, FLYes208No208No208
Virginia Beach, VAYes209Yes210Yes210
Long Beach, CAYes211––
Oakland, CAYes212––
Minneapolis, MNYes - owner-occupants of 1-4 unit dwellings (not corporations/LLCs/partnerships)213–Yes - owner-occupants of single-family homes; no work on gas-fired heating equipment213
Tulsa, OKYes214––
Tampa, FLYes215Yes, personally; may not subcontract trade work under the owner's permit215Yes, personally; may not subcontract trade work under the owner's permit215
Arlington, TXYes, with homeowner registration, for an existing structure the owner resides in as homestead216Limited: up to three new branch circuits/extensions not over 30 A in own legal residence, after passing the homeowner electrical exam; service equipment only with a TDLR license217Yes for alteration/repair on own residence (registration exemption); permits still required218
Aurora, COYes219––
Philadelphia, PAYes, for existing one-or-two-family home work not requiring electrical or plumbing permit, if owner resides in the building220No221No222
Austin, TXYes223Only under a Homestead Permit (excludes main electric service)223Only under a Homestead Permit223

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  175. Plumbing and gas piping applications and permitsPublic Health – Seattle & King County (King County)Checked November 7, 2026
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  177. Residential Construction Submittal RequirementsCity of Oklahoma City, Development Services Department, Development CenterChecked November 7, 2026
  178. Development CenterCity of Oklahoma City, Development Services Department, Development CenterChecked November 7, 2026
  179. Residential Building PermitsMetropolitan Government of Nashville and Davidson County, Department of Codes and Building SafetyLast updated October 31, 2025Checked November 7, 2026
  180. Ordinance 019528 adopting the 2021 International Building Codes (text as introduced; executed Aug. 1, 2023)City of El Paso, City Council (Planning & Inspections agenda item)Published June 20, 2023Checked November 7, 2026
  181. Issuance and PIN Guidelines for PermitsCity of Las Vegas, Department of Community Development, Building & Safety DivisionChecked November 7, 2026
  182. Short-Form PermitCity of Boston, Inspectional Services DepartmentLast updated November 4, 2026Checked November 7, 2026
  183. Electrical PermitCity of Boston, Inspectional Services DepartmentLast updated September 11, 2026Checked November 7, 2026
  184. Plumbing PermitCity of Boston, Inspectional Services DepartmentLast updated September 11, 2026Checked November 7, 2026
  185. Buildings Safety Engineering and Environmental Department Frequently Asked QuestionsCity of Detroit, Buildings, Safety Engineering and Environmental Department (BSEED)Checked November 7, 2026
  186. Construction InspectionCity of Detroit, Buildings, Safety Engineering and Environmental Department (BSEED)Checked November 7, 2026
  187. Permits | LouisvilleKY.govLouisville/Jefferson County Metro Government, Department of Codes and Regulations, Office (Division) of Construction ReviewChecked November 7, 2026
  188. Electrical Permits | LouisvilleKY.govLouisville/Jefferson County Metro Government, Department of Codes and Regulations, Office (Division) of Construction ReviewChecked November 7, 2026
  189. Start Guide: How to get a building permitCity of Portland, Portland Permitting & DevelopmentChecked November 7, 2026
  190. Residential Electrical PermitsCity of Portland, Portland Permitting & DevelopmentChecked November 7, 2026
  191. Residential Plumbing PermitsCity of Portland, Portland Permitting & DevelopmentChecked November 8, 2026
  192. Construction EnforcementMemphis and Shelby County Division of Planning and DevelopmentChecked November 7, 2026
  193. Homeowner's Affidavit for Building PermitsMemphis and Shelby County Office of Construction Code EnforcementChecked November 7, 2026
  194. Section 105. Permits (Building Code)City of Baltimore Law Library (Department of Legislative Reference)Checked November 7, 2026
  195. Section 2706. Permits (Electrical)City of Baltimore Law Library (Department of Legislative Reference)Checked November 7, 2026
  196. Section 2903. Permits (Plumbing Systems)City of Baltimore Law Library (Department of Legislative Reference)Checked November 7, 2026
  197. Resources for HomeownersCity of Milwaukee, Department of Neighborhood ServicesChecked November 8, 2026
  198. 2024 City of Albuquerque Uniform Administrative Code (Exhibit A)City of Albuquerque, Planning Department, Building Safety DivisionChecked November 7, 2026
  199. PermitsCity of Albuquerque, Planning Department, Building Safety DivisionChecked November 7, 2026
  200. Permit FAQ City of TucsonCity of Tucson, Planning & Development Services Department (PDSD)Checked November 7, 2026
  201. Patio Permit Application (page 1: permit application declarations)City of Fresno, Planning and Development Department, Building and Safety Services DivisionLast updated September 2, 2014Checked November 7, 2026
  202. Who May Apply for a Building PermitCity of Sacramento, Community Development Department, Building DivisionChecked November 7, 2026
  203. Homeowner's Affidavit FormCity of Atlanta, Department of City Planning, Office of BuildingsRevised January 2020Checked November 7, 2026
  204. Residential ConstructionCity of Mesa, Development Services DepartmentChecked November 7, 2026
  205. Committee Substitute for Ordinance No. 200418, Compared Version (Chapter 18 Building and Rehabilitation Code)City of Kansas City, Missouri, Office of the City Clerk (Legistar legislative record)Adopted June 2020Checked November 7, 2026
  206. Permit Portal: A Quick Reference GuideCity of Raleigh, Planning and DevelopmentChecked November 7, 2026
  207. Homeowner Permit Information - PPRBDPikes Peak Regional Building Department (PPRBD)Checked November 7, 2026
  208. Become an Owner BuilderCity of Miami, Building DepartmentChecked November 7, 2026
  209. Residential Building Permits | City of Virginia BeachCity of Virginia Beach, Planning & Community Development, Permits & Inspections DivisionChecked November 7, 2026
  210. Trades Permits | City of Virginia BeachCity of Virginia Beach, Planning & Community Development, Permits & Inspections DivisionChecked November 7, 2026
  211. Building PermitsCity of Long Beach, Community Development Department, Building and Safety BureauChecked November 7, 2026
  212. Average Permit Processing Turnaround Times | City of Oakland, CACity of Oakland, Planning & Building DepartmentChecked November 7, 2026
  213. Permit ApplicantsCity of Minneapolis, Community Planning & Economic Development (CPED), Construction Code Services / Minneapolis Development ReviewLast updated June 30, 2026Checked November 6, 2026
  214. Residential Building Guidelines (Development Services Department)City of Tulsa, Development Services DepartmentPublished January 1, 2025Checked November 7, 2026
  215. Construction Services FAQCity of Tampa, Development & Growth Management Department, Construction Services DivisionLast updated September 21, 2026Checked November 7, 2026
  216. Construction Chapter, Code of the City of Arlington (amended by Ord. 24-054, September 17, 2024)City of Arlington, City Council (Code of Ordinances, hosted on arlingtontx.gov)Revised September 17, 2024Checked November 7, 2026
  217. Electrical Chapter, Code of the City of Arlington (amended by Ord. 23-039, August 22, 2023)City of Arlington, City Council (Code of Ordinances, hosted on arlingtontx.gov)Revised August 22, 2023Checked November 7, 2026
  218. Plumbing Chapter, Code of the City of Arlington (amended by Ord. 23-041, August 22, 2023)City of Arlington, City Council (Code of Ordinances, hosted on arlingtontx.gov)Revised August 22, 2023Checked November 7, 2026
  219. City of Aurora DIY & Do It Right Home Improvement Handbook (March 2019)City of Aurora, Development Services Department, Building DivisionPublished March 2019Checked November 7, 2026
  220. Get a Building PermitCity of Philadelphia, Department of Licenses and InspectionsChecked November 7, 2026
  221. Get an Electrical PermitCity of Philadelphia, Department of Licenses and InspectionsChecked November 7, 2026
  222. Get a Plumbing PermitCity of Philadelphia, Department of Licenses and InspectionsChecked November 7, 2026
  223. Homeowner's Permit | Austin Development ServicesCity of Austin, Austin Development ServicesChecked November 7, 2026