UTMA Age by State: When a Custodial Account Transfers to the Child in All 50 States

Utma age by state is the age at which a custodial account set up under a state’s Uniform Transfers to Minors Act stops being managed by a custodian and passes fully to the young person it was opened for.

The answer depends on where the account was created, because each state wrote its own version of the law, and some states let the person opening the account pick a different age within a set range.

This page brings the utma age by state rules for all 50 states into one place, with the standard transfer age and whether it can be extended. If a notice, a bank letter or a family question has you wondering when the account becomes the child’s, the table shows what your state’s law says. Every row comes from that state’s own verified guide on this site.

Click any state below for its full utma age by state guide, with the statute citation, the sources and the figures behind each row.

Utma age by state — All 50 States Compared

The utma age by state table below shows the two figures that frame the question in every state. Here is what each column means:

Transfer Age = the age at which the custodian must hand the account to the child under the state’s Uniform Transfers to Minors Act.

Can It Be Extended? = whether the person who opened the account could choose a later transfer age, and up to what age.

Each utma age by state cell comes from the verified data behind that state’s own guide on this site, which prints the figure with the statute and the date it was read. Where a cell says “see guide,” the state’s rule needs more than one line, and the guide covers it in full.

Utma age by state: What Every State Shares

The utma age by state rules all follow the same basic design. An adult, called the custodian, holds and manages money or property for a minor. The custodian has a legal duty to use it for the young person’s benefit, and the property already belongs to the child even though the child can’t control it yet.

What each state decides is the age at which that arrangement ends and the young person takes control.

Because the framework is shared, the main difference between states is the number itself. In 41 states that number is 21, in 8 states it is 18, and in Louisiana it is 22. Whatever the figure, the effect is the same once it is reached: the custodian’s role ends and the young person is entitled to the account.

Knowing the utma age by state that applies to an account tells you when that change happens.

Utma age by state: What Makes It Different

The first thing that moves the answer is the statute. Each state’s own law sets the default age, and some states have changed theirs over time. Louisiana raised its age from 18 to 22 by Act 60 of 2023 for accounts going forward. Virginia has allowed extension to 25 since July 1, 2019.

South Carolina adopted the UTMA on April 4, 2022. An account opened before a change like this may follow the rule in effect when it was created, so the date the account was opened matters when you check utma age by state figures.

The second thing is the choice made by the person who set up the account. In Florida, Nevada, Ohio, Virginia and Washington, an account may be extended to 25, and in Florida the custodian must give the young person notice. California allows extension to 21 for a lifetime gift, or to 25 for a transfer under a will or trust.

Missouri may end an account at 18 if the property came from someone other than a donor, and Maryland ends at 18 when the account was created by an obligor.

To read the utma age by state table correctly for a given account, you need to know who funded it, how it was set up, and what age was written into the paperwork.

Utma age by state: What to Do Next

Start by finding which state’s law governs the account. This is usually the state named in the account agreement, which may not be the state where the child lives now. Then look up that state in the utma age by state table above and open its full guide.

Each state page carries the statute citation, the sources behind it, and the date each figure was verified, so you can see exactly where the rule comes from and how current it is.

Next, gather the details that change the answer: the date the account was opened, who funded it, and any transfer age chosen at setup. The site’s free tools apply your state’s rule to your own dates and figures so you can see when the transfer age is reached.

If the account terms are unclear, or a custodian and a young person disagree about when control should pass, the financial institution holding the account or a local legal aid office can explain how the utma age by state rule applies to your situation.

Find Your Utma age by state

Ready to see the utma age by state where you live? Click any state name in the table above, or browse the full category below.

Browse All Utma age by state Guides →

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Official Sources

• Legal Information Institute, Cornell Law School: www.law.cornell.edu — what a UTMA account is
• State statutes and agency pages: linked inside each state guide, with the date each was read

Utma age by state data compiled from the verified figures behind each state’s guide on this site, which cites the statute and the source with the date each figure was read. Figures change by statute and by year, so each row links to the page that explains it. Last reviewed October 2026.

Disclaimer: This page is for general informational purposes only and is not legal advice. No attorney-client relationship is created by reading it. Rules, deadlines and figures vary by state and change over time. For advice about your specific situation, consult a licensed attorney in your state.