How Do Young Adults Afford to Move Out?

how do young adults move out of parents home

If you are thinking, how do young adults afford to move out? Then, you are probably having that nagging feeling that comes for most individuals somewhere before the age of 18 and through the rest of your young adult age, that tells you it is time to move out.

My son said it like this, “Mom, Dad, I have truly enjoyed living here, all the free meals, and utilities, but it has come time for me to move on…”You two can come and visit anytime you miss me.”

And while most parents are not ready to hear this, while others may having been waiting forever, the reality remains, there comes a time in the life when your child, no matter how much they love you, or you them, is ready to move out of the parents’ home.

As a parent who has helped 5 children move out, and currently working on moving one of my children out of the country, in this post, I will share tips on moving out of your parents house, as a first-timer, and moving out of state.

So, How Do Young Adults Afford to Move Out?

I would love to say that young adults afford to move out simply by getting a great job. But this is not quite so. To move out as a young adult, you will need to have saved up a good amount of money to cover all (or most) of the costs associated with moving out. This takes a bit of planning, working long hours, saving, and building relationships. I do realize that not everyone has the luxury of saving up enough money to move out.

This includes, first and last month deposit for rent, rent for at least the next 3 – 6 months, first month of utilities,

How to Move Out of Your Parents House


Moving out of your parents’ house is not a big challenge if you have the support of your parents. In an ideal world, parents will most likely help you find a great place to move into, help with a few necessary down-payments, serve as guarantors to qualify for renting a place, when needed, help with necessary planning, shopping and the actual move. They may throw in some goodies, like your first week’s groceries, and they may even let you have a car.

The reality is that many young adults move out because they are being kicked out of the house. Others may feel that they can do better on their own as some parents make too much demands on the time, and resources of their young adults. Some may have conflict with their parents for various reasons and desire a place of their own to avoid such conflict. Others yet, may be ready to move out, but have parents that won’t let them go.

Whatever your situation, moving out of your parents house is a lot easier if you plan, and save. Be realistic about how much you can make and try to save up enough to keep you going for at least three months, should life happen. Try to mend relationships, you may need your parents’ help to qualify for basic needs. Start investing in items that you will need to start your new home.

How Much Money Do You Need To Move Out?

In asking the question, how do young adults afford to move out? You have to have an idea of how much money you will need to move out. Because, of differences in costs, tastes, habits, and support systems, the amount needed for moving out of your parents’ home is going to be different for each individual.

Some young adults move out with $0 – $1000, in their pocket, and have done really well. Others have had most of their expenses paid up front, and are able to stabilize within a little time. Others still may have what may seem like lots of money, but with bad spending habits, find themselves back where they started.

Unless you inherited a home, or are moving in with a buddy, to move out of your parents’ home (alone, or with a roommate) you will need money to cover the following. Make sure to scroll down this page to download a checklist for first-time moving out.

Costs You Should Expect When Moving Out As A Young Adult


  • Cost of Rent – First month and last month’s rental costs are requested at the time you sign your rental agreement
  • Renter’s Insurance – Most companies will request renter’s insurance to cover anticipated damages to your apartment
  • Basic Furniture Cost – For first-time movers, I advice that you find a pre-furnished apartment. If not, you will need at least a bed, desk and chair, sofa, rug, bathroom fittings, living room and kitchen furnishings. You can add on more furnishings to your taste later.
  • Utilities – While utilities may be added to your rental, in many cases they are not. Expect to pay for water, electricity (and gas for some) and the internet.
  • Food – Many young people plan to eat out, but it quickly adds up. Try to prepare simple foods at home to save money, plus they are typically healthier than eating out.
  • Pets – Many individuals have pets that they will love to move out with.
  • Healthcare Insurance –
  • Medical Emergencies – Emergencies happen, and sometimes, you will have costs that are not covered by your healthcare insurance. Include these costs in your budget and save towards it.
  • Transportation – Transportation is absolutely necessary as you will need to get around on your own. If you do not have your own car, plan on saving up for one. Also, move near public transportation, and where you are not far from the places that you go to frequently.
  • Car Insurance – If you have a vehicle, you should have insurance to cover the vehicle.
  • Social Activities – Social activities are necessary to a health life balance. Plan to add this to your budget. Here are more benefits to social activities.

At What Age Can You Move Out?

Apart from the question of how do young adults afford to move out, many young people also want to know what age they can move out.

If you are 18-years old or older, you are considered an adult and can move out of your parents home without any other legal action. However, if you are under the age of 18, you moving out will depend on the age of majority in your state. If the Age of majority is 17, then you can move out at that age. If not, you will need to be legally emancipated. Getting emancipated, is not a slam dunk action, you will need to prove that you are mature enough to live on your own, and that you can afford to do so. Your parents or legal guardian also have the right to contest your emancipation.

In some states, you can be emancipated by the age of 14, if you meet the requirements.

How to Move Out at 18

At the age of 18, you are legally able to move out on your own. Following tips on this post, you can do so successfully. The most important thing to do is to get a job or two, that can cover your expenses, and save enough money to cover other activities. Scroll up to see costs you should expect when moving out.

For some people, the easiest way to move out at 18, is to get into college outside of your city, and get a dorm room.

Cheapest Way To Move Out of State


In figuring out how do young adults afford to move out, some people also ask, about the cost of moving out of state. The cheapest way to move out of state is to do it yourself. But this is not always a feasible option, especially if you have a lot of stuff to move.

If you are a first-time mover, you probably don’t have much property. This will make it easy to use one of the many rental truck self-services, like U-Haul or Penske. These companies also have affordable moving services.

7 Moving Out of State Tips

  • Move to a city where you have family or know someone that can help you.
  • Research and plan properly
  • Secure a job before you move
  • Secure a place to stay before you move
  • Reduce your belongings
  • Use a moving service if you can afford one
  • Have enough money saved for at least 3 months of rent

First Time Moving Out Checklist

If this is your first time moving out, then you will need a check-list to make sure you have thought of everything. We have created a checklist based upon experiences of first-time movers and you can access it for free and download a pdf version right here.

how do young adults afford to move out

Tips For Moving Out for The First Time

  • Take Your Time: For first-time movers, it is important that you get things right before making a move. If you are in a toxic environment, then that is a completely different situation, and this tip may not apply to you. If not, then understand that it takes time to research, plan, save, purchase necessities and so on. These are all activities you will need to move.
  • Plan – Love the popular adage, “failing to plan is planning to fail.” How true this is. If you are executing a huge project like moving and you do not plan, then you are going to make mistakes that could be costly.
  • Save – You need to save like crazy. The rule of thumb is to have up to three months of rent saved, this is excluding your actual rent and deposit. If you need to, get a better paying job or work two jobs if you can. The more money you have saved, the more secure you will be in your move.
  • Make Sure You Are Leaving for the Right Reasons – When you are not leaving for the right reasons, to avoid getting stranded if things don’t work out.
  • Purchase Necessities Over Time – By doing so, you will avoid overwhelm when you actually are moving out.
  • Build Relationships That Can Help You – You may need financial references, guarantors or co-signers if you are a first-timer renter. Build the right relationships so that it is not difficult to find someone to act in any of these capacities for you. You may want to keep a good relationship with a parent, or parent figure.
  • Leave On a Good Note – When asking, how do young adults afford to move out, most individuals are focused on the move, and they may think that they do not need those they are leaving behind. The reality is, that in most cases they do. Try to remain an amicable relationship with those you are leaving behind, that way, it is easy for you to return if things don’t work out the first time.

I Need a Place to Stay I Have No Money

This is a reality for many young adults. Having to move out when you don’t have a place to stay and cannot afford to move out yet. There are not too many options, which is why I emphasize to maintain or mend relationships before moving out in the first place. This way if you get stuck and cannot find a place to stay, you can contact your parents, guardians, other family members, friends or anyone else you previously lived with and hopefully you can return to their house while you try to sort yourself out.

If you don’t have family or friends that can help you out, look up services that support stranded adults. Below are some helpful resources.

A Few Final Words

I hope you find this post, how do adults afford to move out, extremely helpful. We are here for you and available to answer questions you may have. Do not hesitate to leave a comment below.

Christine Udeani, JD
Christine Udeani, JD

Christine is a dedicated mother of six young adults and a teenager who has made significant contributions to the online world through her writing and entrepreneurship. She attended Northwestern University, Strayer University, Thomas M Cooley School of Law, NWCULAW, and holds degrees in business, Law, and Communications. She shares tips and experiences to help young adults and their parents with this generation’s issues.

Find me on: Web | Twitter

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