My plan

How to Start a House Cleaning Business in Kentucky

Residential cleaning is one of the lowest-barrier service businesses: supplies and a reliable vehicle are the main costs. Trust is the product, so insurance, bonding and consistent quality matter more than equipment.

Reviewed November 5, 2026 · Sources linked inline

Kentucky requirements for this business

  • Since July 1, 2018, Kentucky charges its 6% sales tax on janitorial services, including residential and commercial cleaning. [source]
  • The taxable janitorial category also covers carpet, upholstery and window cleaning. [source]
  • Cleaning businesses providing these services must register for a Kentucky sales and use tax account and collect the 6% sales tax from customers. [source]

Statewide steps for every Kentucky business — forming an LLC or registering a business name with the Kentucky One Stop Business Portal — are on our state licensing directory.

FirstBizGuide is not a government agency: any license or registration fees are paid directly to the agency named in each source. These are the Kentucky facts we have verified so far, not a complete list. City and county rules vary — check with your local government before opening.

Startup costs

We haven't found a reliable published cost range for this business, so we don't show one. Costs vary widely by market, equipment and whether you buy new or used. Plug your own quotes into the worksheet:

Open a house cleaning cost worksheet →

SBA 7(a) loans in this industry

Janitorial Services (NAICS 561720): 1,677 loans approved in FY2024–FY2026. Median loan $139,000; middle half $50,000–$250,000.

Loan size is not startup cost — these loans also fund acquisitions, real estate and working capital. Full breakdown and caveats →

How much competition is there?

Census industry: Janitorial Services (NAICS 561720)

In Kentucky: 659 employer establishments (2023) and 15,065 businesses without employees (2024). Nationwide: 67,799 employer establishments (2023) and 1,173,265 businesses without employees (2024).

See counts for your county → Counts aren't a measure of saturation — see the caveats on the tool page.

Equipment and supplies

  • Commercial-grade vacuum with HEPA filter
  • Microfiber cloths, mops and color-coded system
  • Supply caddies
  • Eco-friendly and specialty cleaners
  • Booking, scheduling and payment software

Licenses and registration

  • Register your business or DBA with the state.
  • Most cities and counties require a general business license.
  • Some states or cities tax cleaning services — check whether you must collect sales tax.
  • Hiring employees triggers payroll registration, unemployment insurance and workers' comp rules.
  • Get a free Employer Identification Number (EIN) from the IRS if you will hire employees or form an LLC or corporation. Beware of sites that charge for this. [source]
  • Register an LLC or corporation with your state's business registration office (sole proprietors usually register a trade name/DBA instead). [source]

Insurance to consider

  • General liability (accidental damage in client homes)
  • Janitorial bond (theft protection clients often ask about)
  • Workers' compensation once you hire
  • Commercial auto if you transport staff or equipment

Get quotes from several carriers or an independent agent; coverage needs depend on your contracts, state and staff.

Financing options

  • SBA 7(a) loans — the SBA's main guaranteed loan program, made through participating lenders. [source]
  • SBA Microloans — smaller loans delivered through nonprofit intermediary lenders. [source]
  • SBA Lender Match — a free tool that connects you with interested SBA lenders. [source]
  • Free counseling from your local SBDC or SCORE chapter can help you build the business plan lenders ask for. [source]

Estimate payments with the loan calculator, then check runway with the cash flow projection.

Ongoing operating expenses

  • Supplies replenishment
  • Labor
  • Fuel
  • Insurance and bond
  • Software
  • Marketing

Use the break-even calculator to see how many jobs or sales cover them.

Common mistakes

  • Underpricing first cleans (deep cleans take far longer)
  • Misclassifying cleaners as contractors
  • No written policy for cancellations and lockouts
  • Not tracking time per home to refine quotes

Finding customers

  • Google Business Profile and reviews
  • Recurring weekly/biweekly plans
  • Move-in/move-out partnerships with realtors and property managers
  • Referral credits

Startup checklist

Ticks are saved on this device and appear on My plan.

Compare with other businesses

Sources