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Contractor license requirements by state

Checked 2026-09-04, 9 min read

Filed under State requirements

Embossed relief of a ruled table with a seal at its head
Fifty jurisdictions, three shapes of rule.
CURRENT · 09 2026

What actually varies

Licensing models
3
Gate type
board / trade / local
Example threshold (NC)
$40,000
Example bond (CA)
$25,000
Texas GC license
none

Contents

  1. § 1Three models, not fifty
  2. § 2The threshold question
  3. § 3The sheets we read in full
  4. § 4Reading your own state
§

§ 1Three models, not fifty

A fifty-row table is the wrong shape for this question, because states do not differ fifty ways. They differ three ways, and everything else is a detail inside one of them.

The three US contractor-licensing models
ModelWho gates youWhat they testWorked example
State board, general licenseOne state board issues a general contractor licenseExperience, exam, financials, bondCalifornia (CSLB), North Carolina (NCLBGC), Georgia, Virginia, Tennessee
State trades onlyThe state licenses electrical, mechanical and plumbing; nobody licenses the generalTrade hours and a trade examTexas (TDLR; plumbing has its own board), Ohio (OCILB)
Local registrationThe city or county that issues your permitRegistration, sometimes a local bond, proof of insuranceMost Texas municipalities; large parts of the Midwest

Most states are a blend.

A state with a general license still licenses electricians separately, and its cities still register contractors. The model tells you where the first gate is, not the only one.

§ 2The threshold question

In a board state the second question is always: at what job value does the license become compulsory? Below the threshold, the same work is legal unlicensed. Above it, the same work is a misdemeanour in some states and a bar to enforcing your own contract in others.

North Carolina’s board states the rule plainly: a project valued at $40,000 or more needs a state-licensed general contractor. Other boards set the line lower — Georgia draws its residential line far below it — and a handful set none at all: the license is required for the activity, not the amount. In Arizona a permit can decide it as well as the price: the Arizona contractor license requirements make any job that needs a building permit a licensed job, whatever it costs. Where the small-job line sits in each case is the subject of handyman vs contractor license.

The threshold is per project, not per invoice.

Every board that publishes a threshold applies it to the whole undertaking. Splitting a job into phases to stay underneath it is the single most common way contractors get caught, because the split is itself the evidence.

Embossed relief of four folded certificates fanned out, each with a blank corner seal
Fifty boards, fifty sheets. The shape repeats; the numbers do not.

§ 3The sheets we read in full

Each state below has its own sheet on this site, read from the issuing regulator on the date in the last column, with the fee and bond detail we could verify. They span all three models: a single general license, trades only (Ohio), and a supervisor license beside a business registration (Massachusetts, New Jersey). The Washington contractor license is a registration too, but statewide: one agency, a bond and insurance, and no exam for a general contractor.

12 jurisdictions read from source
StateWho issues itWhat the sheet coversChecked
ArizonaRegistrar of Contractors (ROC)Residential, commercial or dual licenses per trade, the SRE and trade exams, bonds by volume, fees.2026-10-30
CaliforniaContractors State License Board (CSLB)Classes, the $25,000 bond, fees and reciprocity.2026-10-18
FloridaConstruction Industry Licensing Board (CILB)Certified versus registered, and what each one lets you do.2026-09-04
GeorgiaState Licensing Board for Residential and Commercial General ContractorsFour licenses, the $2,500 residential line, net worth, insurance and reciprocity.2026-10-18
MassachusettsBoard of Building Regulations and Standards (BBRS) / OCABRNo GC license: the supervisor's CSL and the business's HIC registration.2026-10-18
New JerseyDivision of Consumer Affairs (home improvement registration)No state GC license — HIC registration, the $500,000 liability floor and the bond tiers.2026-10-18
North CarolinaLicensing Board for General Contractors (NCLBGC)The $40,000 threshold and the three limitation tiers.2026-10-18
OhioOhio Construction Industry Licensing Board (OCILB)No state general-contractor license — five commercial trades, the five-year rule and $500,000 cover.2026-10-18
TennesseeBoard for Licensing Contractors (BLC)The $25,000 line and a monetary limit set from your own balance sheet.2026-10-18
TexasTexas Department of Licensing and Regulation (TDLR)No state general-contractor license — what is actually required instead.2026-09-04
VirginiaDepartment of Professional and Occupational Regulation (DPOR) Board for ContractorsClass A, B and C thresholds, net worth or a $50,000 bond, exams and fees.2026-10-18
WashingtonDepartment of Labor & Industries (L&I)No exam: an L&I registration, a general or specialty bond, liability cover and the Verify lookup.2026-10-23

We are deliberately not printing a fifty-row fee table. A fee copied from a third-party summary and left to rot is worse than no fee at all — it is the thing people budget against. Every figure on this site carries the regulator page it came from and the date we read it, and the sheets above are the ones we could read in full. We could not read this figure from the issuing board on our last check, so it is not printed here. Confirm it with the board before you budget for it.

§ 4Reading your own state

Whatever state you are in, the same four questions settle it, in this order:

  1. § 1Is there a state board for generals? If yes, its site is the only authority that matters for the license itself.
  2. § 2What triggers it — value, or activity? A value threshold means you can work under it; an activity rule means you cannot.
  3. § 3Which trades are licensed separately? Electrical and mechanical often are, at state or local level, even where the general is not — and roofing is the trade the states disagree about most.
  4. § 4What does the permit counter want? Registration, a local bond, and a certificate of insurance naming the city as additional insured are all common.

Our license lookup directory answers the first question for every board it lists, because a board that runs a public license search is a board that issues licenses.

Embossed relief of a grid of small pressed discs
Each state keeps its own register; none of them talk to each other.

Checked against

  • NCLBGC — home page (license threshold)read 2026-10-18
  • CSLB — Bond Requirements (SB 607, effective 2023-01-01)read 2026-10-18
  • Texas Department of Licensing and Regulation — programme listread 2026-10-18

Not legal advice. Fees, bond amounts and deadlines are set by statute and change without notice — confirm with the board that issues your license before you file.

§

Related

  • License lookup directoryThe boards' own live search pages, with the status each returned.2026-10-18
  • Working unlicensedWhat crossing the threshold actually costs.2026-09-04
  • CaliforniaThe fullest example of the board model.2026-10-18
  • TexasThe fullest example of the no-general model.2026-09-04
  • ClassificationsWhat the license you get actually covers.2026-10-18

Contents

  1. § 1Three models, not fifty
  2. § 2The threshold question
  3. § 3The sheets we read in full
  4. § 4Reading your own state

BondStamp

Contractor licensing, bonding and insurance requirements, checked against the issuing board and written down with the date we checked.

State requirements

  • Contractor license lookup directory
  • Contractor license reciprocity checker
  • Contractor license requirements by state
  • Contractor license classifications, explained
  • How to check a contractor license

Licensing process

  • Contractor license cost calculator
  • Contractor license application checklist
  • Contractor experience hours tracker
  • Contractor license renewal tracker
  • Contractor license exam practice set

Bonds & insurance

  • Contractor bond cost calculator
  • General liability insurance calculator
  • Workers' comp premium calculator
  • Certificate of insurance request sheet
  • Builders risk insurance calculator

Trade licenses

  • Electrical contractor license
  • HVAC license and EPA 608
  • Roofing contractor license
  • Handyman vs contractor license
  • General contractor vs specialty license
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Not legal advice — verify with your state board before you file. Fees, bond amounts and statutes change; every page here carries the date it was checked.