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Then go to Advanced, below, to adjust this estimate.
Your house is usually your biggest asset and biggest expense.
Moving is expensive, especially if you’re selling a house. Even if you’re not selling a house, moving your stuff and fixing up the new place isn’t free.
And moving will also change your monthly expenses:
- Your monthly mortgage or rent payment.
- How much you pay for utilities, taxes, insurance, and upkeep.
- Your income from savings – if you use or add to your savings when you move.

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Under the Covers
How We Make Our Estimates & Our Disclaimer
In Moving Expenses, we estimate the cost of:
- Selling “fix-up” costs estimated at 1% of current house value.
- Moving your stuff estimated at 2% of current house value, or $2,000 if you rent.
- Refurbishing, new furnishings, etc., at 2% of current house value, or $2,000 if you rent.
In Monthly Housing Expenses, we estimate the cost of:
- Real estate taxes at 1.25% of house value a year.
- Utilities and upkeep at 1.5% of house value a year, or $180 a month if you rent.
- Insurance/condo fees at 0.5% of house value a year, or $20 a month if you rent.
- Also note that these expenses, unlike mortgage payments, rise with inflation.
In Income From Savings, we estimate:
- The return on savings for a near-term goal at a conservative 1% above inflation.
- The return on savings for college, invested in a balanced mutual fund, at 3.5% above inflation and fees.
- The return on retirement savings, invested in a Target Date Fund for young and middle-age workers with a large allocation to stocks, at 5% above inflation and fees.
- The income drawn from savings in retirement at 4% of savings, commonly seen as a “safe” amount.
- The increase in income from delaying Social Security at 6.5%, the average increase from using savings to provide the higher income you’ll get when you do claim. (Note that you can only increase your income from Social Security by delaying up to age 70.)
DISCLAIMER: The information provided on the SquaredAway website is for educational purposes only. It is not intended to provide personal financial advice.
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