What happens if you skip the permit (and you needed one)
- Stop-work order plus $500–$1,500 fine issued by Montgomery Building Department; all work must halt until permit is pulled and re-inspection fees (typically 1.5× the original permit cost) are paid.
- Home sale disclosure: unpermitted kitchen work must be revealed on Residential Real Property Disclosure Act (RESPA) form; buyer can negotiate $10,000–$50,000 off asking price or demand removal/remediation.
- Insurance claim denial: homeowner's policy may refuse to cover damage from unpermitted electrical/plumbing (water damage, fire, shock injury) if adjuster discovers work was not permitted.
- Lender refinance block: most mortgage lenders (especially in Illinois) will not refinance or modify a loan if unpermitted kitchen remodel is discovered during title search or appraisal.
Montgomery, IL full kitchen remodel permits — the key details
Owner-builders (homeowners doing their own work) are allowed in Montgomery if the property is owner-occupied and the owner pulls the permit in their name; however, plumbing and electrical rough-in work must still be performed by licensed contractors (state law in Illinois prohibits unlicensed plumbing and electrical), so you cannot DIY those trades even as an owner-builder. Demolition, framing, drywall, flooring, cabinetry, and finishing are owner-eligible. If you hire a licensed general contractor, they will pull the permit in their name and you'll be named as the 'project owner' on the permit card; if you're acting as your own GC and subcontracting plumbing and electrical, you pull the permit, hire the licensed subs, and you're liable for code compliance on all trades. The city does not charge additional fees for owner-builder status, but if any sub-work fails inspection (e.g., electrician doesn't GFCI-protect the countertop outlets), the city will issue a correction notice to the permit holder (you), not the sub — so be sure to select experienced, well-reviewed licensed trades.
Three Montgomery kitchen remodel (full) scenarios
GFCI outlets, small-appliance circuits, and countertop receptacle spacing — why Montgomery inspectors scrutinize kitchen electrical so heavily
A pro tip: during your initial consultation with a licensed electrician, ask them to pull the existing electrical panel photo and verify how many 20-amp breakers are available. If the panel is full, budget for an upgrade before submitting permits. Montgomery's plan-review staff will flag a missing panel capacity note as an 'incomplete' and ask your electrician to provide proof of breaker availability or a panel-upgrade quote. This can add 1–2 weeks to plan review if it's discovered late.
Montgomery City Hall, Montgomery, Illinois (verify specific address and suite via city website)
Phone: (630) 896-7300 or contact city hall for building department direct line | https://www.ci.montgomery.il.us/ (check 'Building/Permits' or 'Development Services' for online portal and submission instructions)
Monday–Friday, 8:00 AM–5:00 PM (closed city holidays; verify hours before visiting)
Common questions
Do I need a permit if I'm just replacing my kitchen cabinets and countertops without moving the sink or range?
No. Cabinet and countertop replacement, along with paint and flooring, are considered cosmetic work and do not require a permit in Montgomery. However, if your pre-1978 home is being sold, provide the buyer with an EPA lead-paint brochure. If you later decide to relocate the sink or add new electrical outlets, that triggers a permit.
My kitchen sink needs to be relocated 12 feet across the kitchen. Does that require a plumbing permit?
Yes, a plumbing permit is required. The drain and water supply will be re-routed, and if the new location is more than 5 feet from the existing vent stack, the code may require a new vent or wet-vent arrangement. Your plumber must submit a trap-arm and vent-distance schematic on the plumbing plan. Expect plan review to take 3–5 weeks.
Can I remove a wall between my kitchen and dining room myself, or do I need a contractor?
You cannot remove a load-bearing wall without an engineer's letter (if it's load-bearing) and a permit. A licensed general contractor or skilled carpenter can do the framing work, but the wall must be engineered, inspected, and approved by the city. Do not attempt to remove any wall without confirming it is non-load-bearing and obtaining a permit first.
What is the permit fee for a kitchen remodel in Montgomery?
Fees are typically 1.5–2% of estimated construction cost, capped at $500–$1,500 for most kitchens. A $40,000 remodel is roughly $600–$800 in permit fees; a $75,000 remodel is roughly $1,200–$1,500. Fees are due when the permit is issued, before work begins.
I'm installing a new gas range. What permits do I need?
If the gas range is replacing an existing range in the same location on the same gas line, no permit is required (appliance replacement). If the gas line needs to be relocated, extended, or resized, a mechanical permit is required, and the work must be performed by a licensed gas fitter. The city will inspect the gas-line connection and shutoff-valve location.
How long does the permit review process take in Montgomery?
Most kitchens take 3–6 weeks for plan review. If the plans are incomplete (missing GFCI details, trap slopes, beam calculations), each correction round adds 3–5 days. Once approved, you can schedule inspections; each inspection (framing, electrical rough, plumbing rough, drywall, final) is typically 1 week apart.
Do I need a new electrical panel if I'm adding new circuits for my kitchen remodel?
Only if your existing panel has no available breaker slots. Most modern panels have spare slots, but older Montgomery homes (built before 1990) often have full 100-amp or 150-amp panels. Ask your electrician to photograph the panel and confirm availability; if the panel is full, budget $2,000–$4,000 for an upgrade.
Can I pull the permit myself as a homeowner, or must I hire a contractor?
You can pull the permit yourself in Montgomery if you are the owner-occupant (owner-builder status). However, plumbing and electrical work must still be performed by state-licensed contractors (Illinois law prohibits unlicensed plumbing and electrical). You can hire licensed subs and manage the project yourself, but you are responsible for code compliance and scheduling inspections.
What happens if the city's inspector fails my electrical rough-in?
The inspector will cite the specific code violation (e.g., 'GFCI outlets missing on island receptacles, IRC E3702') and issue a correction notice. You must contact your electrician to fix the issue and request a re-inspection, typically within 5–7 days. Re-inspections are free, but delays can slow your timeline. Common failures are missing GFCI, incorrect outlet spacing, and missing small-appliance circuits.
My kitchen is in a 1970 house. Do I need to worry about lead paint?
Yes, if you are selling the house. Federal law requires disclosure of lead-paint risks in homes built before 1978. Provide the buyer with an EPA-approved lead-paint brochure at the time of sale. If you are keeping the house, no disclosure is required for your own renovation, but if contractors disturb painted surfaces, they should use lead-safe work practices (containment, HEPA vacuums, wet cleaning) to avoid spreading dust.
More permit guides
National guides for the most-asked homeowner permit projects. Each goes deep on code thresholds, common rejections, fees, and timeline.
Roof Replacement
Layer count, deck inspection, ice dam protection, hurricane straps.
Deck
Attached vs freestanding, footings, frost depth, ledger, height/area thresholds.
Kitchen Remodel
Plumbing, electrical, gas line, ventilation, structural changes.
Solar Panels
Structural review, electrical interconnection, fire setbacks, AHJ approval.
Fence
Height/material limits, sight triangles, pool barriers, setbacks.
HVAC
Equipment changeouts, ductwork, combustion air, ventilation, IMC sections.
Bathroom Remodel
Plumbing rough-in, ventilation, electrical (GFCI/AFCI), waterproofing.
Electrical Work
Subpermits, NEC sections, panel upgrades, GFCI/AFCI, who can pull.
Basement Finishing
Egress, ceiling height, electrical, moisture barriers, occupancy rules.
Room Addition
Foundation, footings, framing, electrical/plumbing extensions, structural.
Accessory Dwelling Units (ADU)
When permits are required, code thresholds, JADU vs ADU, electrical/plumbing/parking rules.
New Windows
Egress, header sizing, structural cuts, fire-rating, energy code.
Heat Pump
Electrical capacity, refrigerant handling, condensate, IECC compliance.
Hurricane Retrofit
Roof straps, garage door bracing, opening protection, FL OIR product approval.
Pool
Barriers, alarms, electrical bonding, plumbing, separation distances.
Fireplace & Wood Stove
Hearth, clearances, chimney, gas line work, NFPA 211.
Sump Pump
Discharge location, electrical, backup options, plumbing tie-in.
Mini-Split
Refrigerant lines, condensate, electrical disconnect, line set sleeve.