Pros and Cons of Moving Out of Your Parents’ House - Quicken Loans Zing Blog

We’ve all seen the statistics. According to a Pew Research Center analysis of U.S. census data, 21.6 million young adults (18- to 31-year-olds) were living in their parents’ home in 2012. That accounts for 36% of this age group. It also accounts for the highest proportion of 18- to 31-year-olds living at home since 1969, which happened to be the first year similar data was collected. College tuition costs have been rising and the job market can be frightening, which may be causing the percentage of young adults living at home to spike. There are benefits to living at home and sleeping in your childhood bed for a year, but you’ll quickly find that there are also consequences. So when you’ve finally saved up enough to get your own mortgage, look over these pros and cons of moving out of your parents’ house before you sign any papers.

Pros of Moving Out  


As kids get older, most parents do a good job of loosening up the leash a bit. They’ve spent their entire lives raising you, making sure they knew where you were going on the weekends, bugging you about your grades and continuously answering all your questions. But no matter what age you are, if you’re under their roof, parents will be inquisitive on some sort of level. When you get your own place, you don’t worry about having to answer questions about your day at work, receiving late-night texts asking if you’re coming home or finding a television for you and your significant other to watch a movie on.

Disclaimer: If you have roommates, you may still run into some privacy issues.


Think of signing that lease or mortgage papers as the signing of your own Declaration of Independence. Have a barbeque, light off some fireworks and definitely throw a party. This is what you’ve been working toward your entire life. The gratification of cutting the leash from your parents and being able to provide for yourself entirely is unmatched. You’ll be overcome with a sense of autonomy and self-sufficiency.

Cons of Leaving the Nest

You Don’t Save Money

Rent, bills, groceries, appliances, cleaning products, outdoor care – it all adds up pretty quickly, leaving that paycheck of yours feeling pretty skimpy sometimes. This is far and away the biggest positive of living at home for a little bit. Anyone who lived in a crummy old college house can attest to the horrible feeling of handing a rent check over to a mean old landlord. Now when you live at home with your parents, you don’t have to write any checks, and you’re living comfortably and cleanly. So save as much as you can while you’re living with your parents. You’ll thank yourself later.

Home Cooking

This is definitely second to saving money, but nothing beats a home-cooked meal. Whether it’s iron chef mom or iron chef dad, the feeling of coming home from work and walking into an aroma of dinner goodness is unparalleled. The problem, when you’re on your own, isn’t always cooking ability; it’s more so just laziness. My mom will come home from a long day of work and still have the energy to cook her family a great meal. It’s a skill that I hope to obtain in the near future.


Dad’s not going to mow the lawn for you. Mom’s not going to clean your disgusting bathroom. No one is going near your dirty laundry. And guess what – you have to do the dishes! It’s the little things that all add up to a lot of annoying work that you most likely took advantage of when you were living under your parents roof. Not only do you have to do the work to keep your home or apartment clean, but you have to buy the necessary products and tools to do the work.

So there. I just wanted to lay out a few things you can look forward to and a few things you’ll miss after you’ve moved on from under your parents’ wing. Did you just move out of your parents’ house? Looking for a mortgage and a new home? Or do you have any tips or tricks to offer a new home owner/renter? Share in the comments section below!


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This Post Has 5 Comments

    1. Hi Emma:

      I really think the biggest possible pro is just the ability to live your own life. You get to do what you want when you want when you move out. You also have some more control over your space. There are a lot of good effects that come with freedom if you can afford it.


  1. These are really the most basic pros and cons when moving out and I think everyone should read this. Thank you for sharing!

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