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GENERAL CONTRACTING x MISSISSIPPI

General Contracting contractor requirements in Mississippi.

Both of Mississippi's contractor statutes are run by the Mississippi State Board of Contractors (MSBOC). Title 73, Chapter 59 requires a residential builder license when building a residence of up to three floors costs more than $50,000, and a remodeler license when improvements to an existing residence cost more than $10,000. Title 31, Chapter 3 requires a commercial certificate of responsibility for any public or private contract or subcontract of $50,000 or more — one threshold for public and private work alike.

Residential applicants pay $50 (one classification), pass the open-book Law & Business Management exam plus a trade exam through PSI, file a general liability certificate and three reference letters, and renew yearly for $100 with two CE hours. Commercial applicants pay $400, file a CPA-reviewed financial statement showing at least $50,000 net worth for a major classification, carry $300,000/$600,000 liability, and renew yearly for $400. 2024 bills to raise the $10,000 remodeler threshold died.

STATE LICENSE
ConditionalMississippi State Board of Contractors (M…
STATUTE
Miss. Code Ann. §§ 73-59-1, 73-59-3 (residential); §§ 31-3-1, 31-3-15, 31-3-21 (commercial)
RENEWAL
Annual — residential expires the last day of the 12th month; commercial one year from issuance; 180-day late windowResidential: 2 hrs / year (licenses issued on or after July 1, 2015) · Commercial: none identified
VERIFIED
October 2026Official sources
FILE · GENERAL CONTRACTING x MISSISSIPPI
Compliance Dossier
Public
File
October 2026
STATE AUTHORITYMississippi State Board of Contractors (MSBOC)
STATUTE / CODEMiss. Code Ann. §§ 73-59-1, 73-59-3 (residential); §§ 31-3-1, 31-3-15, 31-3-21 (commercial)
SCOPEStatewide · Mississippi
RENEWALAnnual — residential expires the last day of the 12th month; commercial one year from issuance; 180-day late window
CONTINUING ED.Residential: 2 hrs / year (licenses issued on or after July 1, 2015) · Commercial: none identified
LOCAL OFFICES3 counties on file
FILE GENERAL CONTRACTINGSCOPE STATEWIDE · MISSISSIPPITYPE VERIFIED RULE FILE
VERIFIED October 2026STATUS PUBLIC REFERENCE
What this file settlesThe Mississippi rules for general contracting contractors, verified against official sources.
LICENSE TRUTH
Mississippi licenses general contractors by job size: an MSBOC residential builder license for homes over $50,000, a remodeler license for home improvements over $10,000, and a commercial certificate of responsibility for contracts of $50,000 or more.
STATE ↔ LOCAL
Mississippi licensing is statewide through MSBOC, but cities and counties enforce it: building officials must refuse permits to anyone who would be a residential builder or remodeler unless they show an MSBOC license or exemption, and must report suspected violations to the Board (Miss. Code Ann. § 73-59-17). Residential contractors without a permanent Mississippi place of business (and not holding a commercial certificate) also need a Department of Revenue permit under § 27-65-27 to obtain a building permit, regardless of project cost or insurance funding (§ 73-59-18).
EVERY CLAIM SOURCED
Each requirement below carries its citation and official source. Facts we could not confirm are listed as pending — never asserted.
§ 01 · Permit Stack

How general contracting work is governed in Mississippi.

The state sets the license floor; the county or city permit office controls filing, inspections, and local rules wherever the job site sits.

STATE — RESIDENTIAL
MSBOC (Miss. Code 73-59)
BUILDER > $50,000REMODELER > $10,0002 CE HRS / YEAR
STATE — COMMERCIAL
MSBOC (Miss. Code 31-3)
CERTIFICATE AT $50,000+$300K / $600K GLNET WORTH TEST
LOCAL — WHERE YOU BUILD
City / county building official
BUILDING PERMITINSPECTIONSPERMIT DENIED IF UNLICENSED

Read it bottom-up.

Mississippi licensing is statewide through MSBOC, but cities and counties enforce it: building officials must refuse permits to anyone who would be a residential builder or remodeler unless they show an MSBOC license or exemption, and must report suspected violations to the Board (Miss. Code Ann. § 73-59-17). Residential contractors without a permanent Mississippi place of business (and not holding a commercial certificate) also need a Department of Revenue permit under § 27-65-27 to obtain a building permit, regardless of project cost or insurance funding (§ 73-59-18).

The local offices section below names the exact permit desk for every Mississippi county on file.

Source · Mississippi State Board of Contractors (MSBOC)Last verified · October 2026
§ 02 · Specs Ledger

Every requirement, with a number on it.

Each row names the issuing authority, cost, timeline, citation, and status behind the requirement — verified against the official source.

RequirementIssued byCostTimeCitationStatus
Residential Builder LicenseNew residences over $50,000
MSBOC
$50 application (1 classification); $100 annual renewal
Annual
Miss. Code Ann. §§ 73-59-1(b), 73-59-3(1)(a)
CONDITIONAL
Residential Remodeler LicenseImprovements to an existing residence over $10,000
MSBOC
$50 application (1 classification); $100 annual renewal
Annual
Miss. Code Ann. §§ 73-59-1(c), 73-59-3(1)(b)
CONDITIONAL
Commercial Certificate — Building ConstructionPublic or private contracts of $50,000 or more
MSBOC
$400 application (1 classification) + $100 per added classification
Annual
Miss. Code Ann. §§ 31-3-1, 31-3-15, 31-3-21; MSBOC Rule 3.4
CONDITIONAL
Law & Business Management ExamOpen book, administered by PSI; required of every MSBOC applicant, 70% to pass
MSBOC via PSI
PSI rate
Before licensure
Miss. Code Ann. §§ 31-3-13(a), 73-59-5; MSBOC Rule 1.1
REQUIRED
Residential General LiabilityCertificate of coverage required; MSBOC sets no minimum amount for residential licensees
Carrier
Market premium
Application + each renewal
Miss. Code Ann. § 73-59-3(3); MSBOC Residential Rule 1.1(1)(k)
CONDITIONAL
Commercial General Liability$300,000 per occurrence / $600,000 aggregate, MSBOC listed as certificate holder
Carrier
Market premium
Application + each renewal
MSBOC Commercial Rule 1.1(2)(j)
CONDITIONAL
CPA-Reviewed Financial StatementNet worth of at least $50,000 for major classifications, $20,000 for all others; balance sheet at renewal
Certified public accountant
CPA fee
New commercial application
MSBOC Commercial Rule 1.1(2)(i)
CONDITIONAL
Workers' CompensationCertificate required if the business has 5 or more employees
Carrier
By payroll
Application + each renewal
Miss. Code Ann. § 73-59-3(2)(a); MSBOC Commercial Rule 1.1(2)(j)
CONDITIONAL
Building / Trade PermitBuilding officials must refuse permits to builders and remodelers who cannot show an MSBOC license or exemption
City / county
Set locally
Per project
Miss. Code Ann. § 73-59-17
CONDITIONAL
§ 03 · Year-One Cost

What it costs to start general contracting in Mississippi.

Published fees from the issuing authorities, as of October 2026. Local permit fees vary by project and jurisdiction — the basis is stated where a flat number does not exist.

Year-one ledger
Mississippi · General Contracting
Residential applicationIncludes one trade classification$50
Each added classificationResidential or commercial$100
Residential renewalAnnual$100
Commercial application$200 privilege tax (§ 31-3-17) + $200 Construction Education Fund fee (§ 31-3-14)$400
Commercial renewalAnnual$400
PSI examsLaw & Business Management + trade examPSI rate
Year-one floor$50 residential · $400 commercial (+ exams and insurance)
Excludes tools, vehicle purchase, payroll, and marketing.
NOTE
Two thresholds, two statutes

Residential: builder over $50,000, remodeler over $10,000. Commercial: contracts of $50,000 or more, public or private — there is no lower public-project threshold.

NOTE
The $400 is two statutory charges

A $200 special privilege license tax (§ 31-3-17) plus a $200 Construction Education Fund fee (§ 31-3-14); residential builders are exempt from the latter.

NOTE
Small commercial for home builders

Licensed residential builders may build new commercial projects up to 7,500 sq ft and two stories without a commercial certificate (§§ 31-3-1(e), 73-59-19).

§ 04 · Path to First Job

From day zero to first inspection.

A practical sequence for a new general contracting contractor in Mississippi. Actual agency processing times are noted in the ledger above.

1
STEP 1
Register the entity; get a MS tax ID
Secretary of State / Dept. of Revenue
2
STEP 2
Bind liability (+ workers' comp at 5+ employees)
Carrier
3
STEP 3
Apply for Residential Builder / Remodeler or a commercial certificate
MSBOC — $50 residential / $400 commercial
4
STEP 4
Pass Law & Business + trade exams
PSI (open book)
5
STEP 5
Pull permits; post license number at the job
City / county
6
STEP 6
Renew every year (+2 CE hours if residential)
MSBOC
§ 05 · Compliance Checklist

Check them off.

Each item names the issuing authority, cycle, and citation.

01
License before you bid
Hold the residential builder, remodeler, or commercial classification before offering or contracting work above the statutory threshold.
STATEESSENTIALMiss. Code Ann. §§ 73-59-3(1), 31-3-21(1)
MSBOCIssuing authority
02
Disclose your liability insurance
Every MSBOC licensee must state in the contract, in bold type larger than the rest, just above the buyer's signature, whether it carries general liability insurance.
CONTRACTDISCLOSUREMiss. Code Ann. §§ 73-59-11, 31-3-13; Residential Rule 1.3
YouIssuing authority
03
Post your number at the job
Once a permit issues, residential licensees display a jobsite sign with the license number in letters at least 2 inches high and 12 inches wide.
JOBSITESIGNAGEMSBOC Residential Rule 1.2
YouIssuing authority
04
Renew every year
Residential licenses expire on the last day of the twelfth month; late renewal within 180 days adds a 10% penalty, after which a new application is required.
RENEWALESSENTIALMiss. Code Ann. § 73-59-3(5)
MSBOCIssuing authority
05
Keep a qualifying party
The commercial qualifier must be regularly employed and active in the classification; if they leave, notify MSBOC immediately and requalify within 90 days.
STATESTAFFINGMSBOC Commercial Rule 1.1(2)(l)
Qualifying partyIssuing authority
06
Complete 2 CE hours a year
Each residential qualifying party files proof of two Board-approved credit hours with every renewal; hours do not carry over.
RENEWALEDUCATIONMSBOC Residential Rule 1.4(4)–(5)
MSBOC-approved providerIssuing authority
§ 06 · Enforcement

What the law does about unlicensed general contracting work.

Statutory consequences with their citations — not estimates, not “commonly cited” guesses.

§
Miss. Code Ann. § 73-59-9(1), (3)Statute

Unlicensed residential work

Undertaking residential work that requires an MSBOC license without one — or giving the Board false information to get one — is a misdemeanor, and the Board may cite and stop the work.

ConsequenceFine of $100–$5,000 and/or 30–60 days in county jail
§
Miss. Code Ann. § 73-59-9(2)Statute

Contract unenforceable

A contractor unlicensed when the work was performed may not sue to enforce a residential building or remodeling contract; recovery is limited to documented labor and material expenses proved by clear and convincing evidence.

ConsequenceLoss of contract price and profit
§
Miss. Code Ann. §§ 31-3-15, 31-3-21(1), (4)Statute

Commercial work without a certificate

A public or private contract awarded to a contractor without a certificate of responsibility is void; knowingly bidding without one is a misdemeanor, and the Board may order abatement.

ConsequenceCivil penalty up to 3% of the contract; misdemeanor fine up to $1,000 and/or 6 months
§ 08 · Mississippi FAQ

Questions general contracting contractors ask about Mississippi.

Q01Do I need a general contractor license in Mississippi?+
Yes, above the thresholds: a residential builder license for homes costing more than $50,000, a remodeler license for improvements over $10,000, and a commercial certificate of responsibility for public or private contracts of $50,000 or more — all from MSBOC.
Q02Is there a small-job exemption in Mississippi?+
There is no named handyman license, but the residential statute only reaches residential builders on homes costing more than $50,000 and remodelers on improvements to an existing residence costing more than $10,000 (Miss. Code Ann. § 73-59-1). The exception: subcontractors doing electrical, plumbing, mechanical, or HVAC work on a residential project need an MSBOC license no matter the dollar amount (§ 73-59-3(1)(d)).
Q03Can I build my own house without a license?+
Yes. Owners building or acting as their own general contractor on their own residence are exempt (§ 73-59-15(1)(b)), but building more than one residence or applying for more than one permit in a year creates a rebuttable presumption that you are building for sale (§ 73-59-15(2)).
Q04What does it cost?+
MSBOC charges $50 for a residential application (one classification), $100 per added classification, and $100 per annual renewal; commercial certificates cost $400 to apply and $400 per annual renewal, plus PSI exam fees.
§ 09 · Sources

Primary authorities, not secondary summaries.

Every fact in this file was checked against these official sources on October 2026.

Pending verification: PSI exam fees for the Law & Business Management exam and the trade exams (MSBOC sends a PSI Candidate Information Bulletin only after an application is received) · That the MSBOC fee schedule and Board rules in the 2022 law compilations (and the fee schedule 'effective January 1, 2016') are still the current versions — the 2026 applications state the same $50 and $400 application fees · Whether any continuing education applies to commercial certificate holders (MSBOC's CE page addresses residential licenses only) · MSBOC's FAQ says commercial licensing applies to jobs 'over $50,000', while § 31-3-1(a) exempts only contracts 'less than' $50,000 and Commercial Rule 1.2(7) reaches subcontracts 'equal to or exceeding' $50,000 — the statute is followed here

General information, not legal advice. Always confirm requirements, deadlines, and forms with the issuing authority before filing or contracting.

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