10. Putting on the Tzitzis in an area where one may not say the blessing?
Initially, one is to wear the Tzitzis in an area where the blessing can be said. [1] If however a person is in a situation in which he cannot say the blessing [such as in the bathroom or Mikveh, or prior to the time of Tzitzis[2]], then he may wear the Tzitzis without a blessing, and later recite a blessing, as explained in the next Halacha.[3]
[1] Pashut as one must always say a blessing before the Mitzvah, and so is implied from Admur 18/20 that the allowance is only when one is unable to wear the Tallis in an area that the blessing can be said, and so writes Piskeiy Teshuvos 21 footnote 189
[2] See cases brought in Admur of next footnote
[3] Admur 18/7 and 8/20 and 29; Michaber 8/10
[4] 8/20; Michaber 8/10; Rabbeinu Yonah in Sefer Hayirah
[5] So is implied from Admur ibid and so rules Rabbeinu Yonah ibid; Elya Raba 8/11; Kaf Hachaim 8/40
The reason: If he has water near his bed, he is not to wear the Tallis prior to washing his hands near his bed as one may not touch clothing prior to washing hands.
[6] So rules Admur in 6/1 and Siddur regarding the blessing of Netilas Yadayim and the same delay would apply to the blessing over Tzitzis.