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Mold in a rental home: what tenants and landlords should know

Tenants should report mold and any leak to the landlord in writing, with photos, and keep a copy.

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By . Updated October 3, 2026. 3 min read.

Short answer: Tenants should report mold and any leak to the landlord in writing, with photos, and keep a copy. Landlords are usually responsible for fixing leaks and water problems that cause mold, while tenants are expected to ventilate and report problems. Rules vary by state and city, so check local housing laws before taking action such as withholding rent.

Mold is one of the most common complaints in rental housing. It affects health, damages belongings and can lead to disputes. This guide explains mold in a rental home from both sides: what tenants can do, what landlords are expected to do, and how to resolve problems.

For tenants: what to do

  1. Take clear photos and notes of the mold, where it is and when you found it.
  2. Tell the landlord or property manager in writing, by email or letter, and keep a copy.
  3. Report any leak, flooding or condensation problem at the same time.
  4. Clean small areas on hard surfaces if it is safe, and keep the area dry.
  5. Ask for a date when repairs will happen.
  6. If nothing happens, contact local code enforcement or the health department, which can often inspect.
Illustration of dark mold spreading from a ceiling corner down a damp wall
Mold often starts in corners where air is still and moisture collects.

For landlords: what to do

  • Respond quickly and inspect the problem
  • Fix the moisture source, such as leaks, roof problems or poor ventilation
  • Have larger areas removed by a mold professional
  • Keep records of reports, repairs and communication
  • Tell tenants how to ventilate and report problems, and include this in the lease
Need help with mold removal?Free to call. You will be connected with an available local provider where one serves your area.
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Who is responsible?

In general, landlords must keep rental homes safe and habitable, which includes fixing leaks and water problems. Some states have specific mold rules. California, for example, treats visible mold that affects health as a substandard housing condition. Tenants are usually responsible for mold caused by their own actions, such as never ventilating or leaving spills to sit. Because laws vary widely, check your state and city rules or ask a local tenant or landlord association.

Illustration of mold growing along a window sill covered in condensation
Condensation on windows keeps sills damp, which lets mold grow.

Things tenants should avoid

  • Withholding rent without checking local law, which can lead to eviction
  • Painting over mold, which hides it without fixing it
  • Disturbing large mold areas, which spreads spores

Health concerns

If anyone in the home has asthma, allergies, breathing problems or a weakened immune system, tell the landlord, and talk to a doctor about symptoms. The CDC notes that damp and moldy homes can cause breathing problems in sensitive people.

Illustration of mold growing inside a sink cabinet below a dripping pipe
A slow drip under a sink can feed mold for months before anyone notices.

Read is black mold dangerous, when mold testing helps and about mold removal.

Illustration of mold growing on bathroom tiles above a bathtub, with a humidity meter
Mold grows where moisture stays, often in bathrooms, attics and basements.

Quick answers: mold in rental home

Who is responsible for mold in a rental?

Landlords usually must fix leaks and water problems that cause mold. Tenants are expected to ventilate and report problems. Rules vary by state.


How do I report mold to my landlord?

In writing, with photos and dates, and keep a copy.


Can I withhold rent because of mold?

Only where local law allows and after following its steps. Check local rules first.


Does renters insurance cover mold?

Usually not for mold itself, though it may cover belongings damaged by a sudden covered leak.


Who removes mold in rental homes?

A mold removal company, usually arranged by the landlord. Sifixit can connect you with a local provider.

This guide covered mold in rental home. For more background, see the EPA’s mold guide, and if you need help, Sifixit can connect you with a local provider.

This guide is general information for homeowners, not professional, insurance or safety advice for your situation.

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