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Everyone Retires Near the Grandkids. Nobody Plans for When the Kids Move Again

David Beren

Sat, September 5, 2026 at 4:46 PM GMT+3 6 min read

Quick Read

• Selling and buying in retirement burns anywhere from 5% to 8% in transaction costs alone, and that is before moving expenses of up to $10,000 hit the budget.

• Crossing a state line resets property tax assessments to full market value and strips Medigap of its guaranteed-issue protections permanently.

• Renting for a year before buying preserves flexibility if the family relocates again and lets retirees evaluate a city on its own merits.

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The plan is one of the most common in American retirement: sell the longtime house, move near an adult child and grandkids, and buy something smaller in the same school district. Then a job offer arrives in another state, or a spouse's career pulls the family elsewhere, and the retiree holds a house bought at retirement-age prices in a town chosen for a reason that no longer exists. Almost nobody plans for this. Here is what it actually costs and what would have to be true for the move to still make sense.

What the Second Move Actually Costs

Let us start with the sales side. Even after the 2024 broker commission changes, most sellers are still paying a listing commission of 2.5% to 3%, and they often cover some or all of the buyer agent fee on top of that. Add in seller closing costs, title work, and transfer taxes, and you are typically looking at another 1% to 3%, depending on the state. On a home priced near the current national benchmark, with the Case-Shiller index sitting at 336.7 as of June 2026 and up 0.4% from the prior month, the cash you burn just getting out the door is real money before you even start packing.

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Then there is the buy side. Buyer closing costs generally run 2% to 5% of the purchase price, and they go higher in states with mortgage recording taxes or mansion taxes. A long-distance move for a three-bedroom household typically lands somewhere between $4,000 and $10,000, and often more if you are crossing regions. If the sale and purchase do not close within a few days of each other, you are looking at a bridge loan or carrying two mortgage payments plus utilities during the overlap. None of these numbers are exotic. They just never make it onto the spreadsheet the first time someone models a move to be closer to family.

Costs That Stay Invisible Until They Arrive

The property tax reset surprises people most. States like California, Florida, and Texas cap how much an assessed value can rise annually for a long-term owner, and many layer on senior freezes or exemptions requiring years of residency. A new purchase resets that clock. Florida allows homestead portability within Florida only. Move across a state line, and the assessment starts fresh at market value, which can mean a materially higher annual bill on a similarly priced home than neighbors pay.

Medigap is the second quiet cost. Federal law guarantees the issuance of a Medigap policy only during the initial six-month open enrollment window at age 65 and in specific circumstances after that. Moving to a new state is generally not one of them. A retiree who wants to switch supplement plans on relocation can be medically underwritten and either priced up or turned down. Medicare Advantage differs: leaving a plan's service area triggers a special enrollment period, a genuine protection worth using deliberately rather than assuming it applies to Medigap too.

Rebuilding a primary care and specialist bench takes months in most metros and longer in tight markets, which matters more when managing a chronic condition. Premium surcharges tied to income from two years ago can follow you across state lines too, one of several costs we cataloged in a free guide to Medicare's quieter bills. Rebuilding a social network at 82 is meaningfully harder than at 62. Isolation has documented health consequences and deserves a line in the plan, even though it lacks a dollar figure.

Rent First, Then Decide

The single best protection against all of this is to rent for the first year in the new city. It preserves the option to follow if the kids move again and costs a fraction of a mistaken purchase followed by a sale. It also lets the retiree pick a location that works on its own merits: healthcare access, cost of living, climate, walkability, and transportation for the years after driving stops. State choice matters in ways beyond taxes. South Dakota pairs a cost-of-living index of 88.6 with real income of about $85,000, while Hawaii's 110 cost index drags real income down to roughly $65,000. Same nominal dollars, very different lives.

Sometimes the right answer is not to move at all. A generous travel budget and four or five long visits a year often beat relocation once you price in the full carrying cost of a second house. With the 2027 Social Security COLA tracking near 3.1% and consumer sentiment at 55.2, still in recessionary territory, this is not a market in which to make a reversible decision permanent.

If you move, plan the second move before the first. Most retirees make one eventually, usually toward care rather than family. The retirees who land well rent for a year, buy something small enough to sell quickly, keep the Medigap conversation open with an agent licensed in the new state before signing anything, and choose a town they would still want to live in if the grandkids left tomorrow.

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If you've saved over $1,000,000, this guide is for you. The last thing you want in retirement is to run out of money, you want your money to generate lasting income while you enjoy your life.

Now you can learn the strategies wealthy retirees use to fund their retirement with The Definitive Guide to Retirement Income from Fisher Investments. Download the guide today! (sponsor)

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