Many older adults wonder about the tax side of moving later in life. One common question is: Can seniors deduct moving expenses? Tax rules have changed over the years, and knowing what applies today can help avoid confusion. This topic is especially important for those planning to downsize, relocate for medical reasons, or move closer to family. Understanding current IRS guidelines and exceptions is key. In this guide, we explain what’s allowed, what’s not, and what options seniors still have. For extra help planning your move, check out Verified Movers—a trusted source for reviews and company insights that can help you choose the right team for the job.
Deducting Moving Expenses – What Does It Mean?
Deducting moving expenses used to be a helpful way to offset the cost of changing homes, especially for work-related moves. In simple terms, it meant subtracting certain qualified expenses—like packing, transportation, and storage—from your taxable income. This could reduce how much you owed the IRS. But today, the rules are much tighter. Most people, including seniors, no longer qualify unless they meet very specific conditions. These changes came with the Tax Cuts and Jobs Act, which suspended the deduction for most taxpayers through at least 2025.
The only major exception is for active-duty military members moving under orders. So, if you have wondered can seniors deduct moving expenses, those who are moving due to retirement, health needs, or to be closer to loved ones typically can’t claim these deductions anymore.
However, some unique cases—like retiring from work overseas—may still qualify under certain rules. If you’re planning a big move, it’s smart to look beyond taxes and focus on smart budgeting, especially in high-growth areas. For instance, seniors moving to or from Orlando, FL may face high demand and seasonal price shifts. Planning early and comparing options can make a big difference. To keep things organized and find help that fits your needs, you can explore trusted cross country moving companies Orlando for better planning and cost control.
Who Can Deduct Moving Expenses?
Most people can’t deduct moving expenses anymore, but there are a few exceptions worth knowing. After 2017, the IRS removed the moving expense deduction for nearly all taxpayers. The rule now applies only to active-duty members of the military who are moving under official orders. If you have been thinking about can seniors deduct moving expenses, that means that seniors who are retiring, moving for health reasons, or wanting to be closer to family usually don’t qualify. Even if the move feels necessary, the IRS does not allow deductions unless it fits the narrow military rule.
However, one group that may still qualify includes U.S. citizens or residents who move from a job abroad to a home in the United States after retiring. In that case, some moving expenses might still count, but the rules are strict, and documentation is important. Aside from that, anyone hoping to claim moving costs on their federal tax return is likely out of luck until at least 2025.
If you’re relocating within Florida, it’s also worth noting that no state income tax means there’s no deduction at that level either. But smart planning can still save money. If you’re moving to or from St. Petersburg, timing, route planning, and company selection can affect your budget in big ways. Some moving companies offer flexible options for seniors and long-distance moves. To make the experience smoother and stay within budget, check out trusted cross country moving companies St. Petersburg for reliable help and competitive rates.
Can Seniors Deduct Moving Expenses?
Given these changes, can seniors deduct moving expenses? The answer depends on specific circumstances.
Retirement Moves Within the United States
Many seniors choose to move after retirement. It might be to be closer to family, downsize, or settle in a quieter place. However, as we’ve mentioned, under current tax laws, these moves do not qualify for a federal tax deduction. The IRS (Internal Revenue Service) removed the moving expense deduction for most taxpayers with the 2017 Tax Cuts and Jobs Act. This includes retirees moving within the United States. Even if the move is for practical or financial reasons, it doesn’t meet the criteria needed for a deduction. For seniors, this means the costs of hiring movers, renting trucks, or shipping furniture are not deductible on their tax returns.
Retirement Moves from Abroad to the U.S.
There is a rare exception where some retirees may still be able to deduct moving expenses. If a senior has been working abroad and decides to retire back in the United States, certain costs might qualify. The IRS allows a deduction in this situation if both the job and residence were outside the country. This rule is designed to support those returning home after working overseas. Documentation is key here. Expenses must be related directly to the move, such as transportation and shipping costs. Everyday relocation expenses like meals or house-hunting trips are not covered.
While this option doesn’t apply to most seniors, it may be relevant for U.S. citizens who spent years working abroad. Before claiming anything, it’s best to speak with a tax professional. They can help confirm eligibility and assist with proper filing. It’s also smart to save all receipts related to the move in case the IRS requests proof.
Medical Necessity Moves
Health needs are one of the most common reasons seniors move. Some choose to live near specialized hospitals, assisted living communities, or family members who can help with care. While these moves may feel necessary, they don’t qualify for federal moving expense deductions. Even moves for medical treatment or care are excluded under current law. This can be disappointing for seniors facing high relocation and health costs. Some people try to claim medical-related home changes, such as installing ramps, under medical deductions—but that’s a separate category and comes with its own limits. In any case, moving for health reasons is not recognized for the moving expense deduction. Seniors in this situation should focus on smart planning and look for support programs or community services to ease financial strain.
Potential State Tax Deductions
While the federal tax deduction for moving expenses is no longer available to most people, some states still offer partial relief. A few states allow deductions or credits if the move is job-related and meets certain criteria. For instance, Massachusetts still permits moving expense deductions if you start a new job in the state. But not every state offers the same.
Florida, for example, does not have a state income tax at all. That means residents can’t claim deductions for moving expenses at the state level—but they also don’t owe state income taxes, which can be a financial advantage. Seniors moving to cities like Tampa should still plan carefully, especially during peak seasons. Although Florida won’t provide any state tax breaks for the move, the overall tax savings can be helpful for those on a fixed retirement income. Additionally, working with trusted professionals can reduce stress and help avoid hidden fees. If you’re planning a long-distance move, it’s smart to compare rates, ask about experience with senior moves, and check customer reviews. To make things easier, explore cross country moving companies Tampa for reliable service, fair pricing, and help that fits your budget and schedule.
Planning Considerations for Seniors
Planning a move later in life can feel overwhelming, especially without tax deductions to help reduce the cost. For seniors, careful planning is key to staying organized, avoiding stress, and keeping expenses under control. The first step is setting a clear budget and creating a moving checklist. Make a list of all potential costs, including moving supplies, transportation, temporary housing, and help from professionals. Knowing what to expect can prevent surprises and help you make better decisions. Next, choose your moving date wisely. Avoid peak seasons like summer if possible, since prices often go up during those months. Booking early can also help lock in better rates.
If you’re moving to be closer to family or medical facilities, it’s a good idea to research your new area ahead of time. Make sure the new location fits your daily needs—access to doctors, public transportation, and grocery stores can be especially important. Also, check if any services or community programs in your new area offer help for seniors. Some nonprofits and local government programs offer assistance with packing, transportation, or housing.
Downsizing can make the move easier. Start sorting your belongings well before moving day, it is one of the best senior moving tips. Donate or sell items you no longer use. This reduces both the amount of work and the cost of your move. Finally, compare moving companies carefully. Ask if they offer senior discounts and check reviews from other older adults. Talk to at least three companies to compare pricing and services. And don’t hesitate to ask questions. Being proactive, asking for help when needed, and working with reliable movers will go a long way in making the process easier and more comfortable.
How Much Do Moves Typically Cost for Seniors?
The cost of moving for seniors can vary a lot depending on several factors. On average, a local move may cost between $800 and $2,500. For longer moves, especially those crossing state lines, the price usually ranges from $2,000 to $7,500 or more. The total depends on the size of the home, distance, and level of help needed. Seniors often need extra services, such as full packing or unpacking, which adds to the cost. Packing services can add $300 to $800, depending on how many items need to be handled. Storage is another factor—temporary storage may cost $100 to $300 per month.
If the move involves stairs, elevators, or long carries, some movers add extra fees, usually ranging from $50 to $200. Moving insurance and specialty item handling (like pianos or antiques) also raise the final bill. For seniors moving in or out of major cities, prices may be higher due to demand and traffic issues. That’s especially true in places like New York, Los Angeles, or Miami. Planning ahead and getting quotes from at least three companies can help control the cost. Asking for a written estimate with a breakdown of fees is the best way to avoid surprises.
Senior Discounts and Assistance Programs
Many companies recognize that moving can be hard for seniors and offer special discounts or support. For example, some companies offer a senior discount of up to 10% with proof of age. Some moving companies also offer lower rates or added services for customers over 60, especially if requested in advance.
Local nonprofit organizations and senior centers often partner with moving or packing services to assist older adults in need. In some cities, community programs offer volunteers to help pack or organize items before the move. Churches and retirement communities may also provide moving day support or transportation. Checking with your local Area Agency on Aging can uncover helpful resources in your region. It’s always worth asking and negotiating moving estimate because many offer discounts, but only when requested directly.
How to Spot Hidden Moving Costs
Hidden fees can increase moving costs quickly, especially if you’re not prepared. Some companies add fuel surcharges, which can change based on distance or gas prices. Others charge extra for stairs, elevators, or long carries from the truck to your door. If packing isn’t included in the original quote, that service could cost hundreds more. Materials like boxes, tape, and protective wraps may also come at an added price. To avoid surprises, ask each company for a detailed, written quote.
Make sure it lists all potential charges, including ones for delays, heavy items, or storage. Read the fine print in your moving contract before signing. If something looks unclear, ask for clarification. It’s better to be cautious of hidden moving costs than to be caught off guard on moving day. Also, never rely only on verbal agreements—always get it in writing. A full breakdown of costs is the best way to stay within your budget and avoid overpaying.
The Emotional Side of Moving Later in Life
Leaving a home filled with years of memories can be one of the hardest parts of moving for seniors. It’s not just about packing boxes—it’s about saying goodbye to familiar spaces, neighbors, and routines. These emotional ties can make the move feel overwhelming or even upsetting. To ease the process, try taking small steps. Keep sentimental items that bring comfort or joy, even if they’re not practical.
Talk with family members or close friends about the changes. Their support can make a big difference. Downsizing gradually, instead of all at once, can also help reduce stress. Make time to reflect on your favorite memories before the move. Taking photos of rooms or special corners of the home can also help keep those moments alive. Staying connected to loved ones throughout the process is important. A move may close one chapter, but it can also open the door to a more comfortable or safer place to live.
When to Hire a Senior Move Manager
For seniors facing a big move, a senior move manager can make the entire process easier. These professionals specialize in helping older adults plan, organize, and complete their move from start to finish. They can help sort through belongings, decide what to keep or donate, and arrange for packing or moving services. Some even help with setting up the new home, including furniture placement, unpacking, and making sure everything is safe and accessible. Hiring a senior move manager is especially helpful when family lives far away or can’t assist in person. They bring patience, experience, and clear communication to the process. If the move feels overwhelming, this kind of support can offer both comfort and practical help.
Avoiding Scams Targeting Senior Movers
Seniors are often targets of moving scams, so it’s important to stay alert. One red flag is a mover asking for a large deposit upfront. Reputable companies usually charge after the job is done. Another warning sign is a lack of licensing. All long-distance movers, including those who do commercial moves should have a USDOT number issued by the Federal Motor Carrier Safety Administration (FMCSA). You can verify a mover’s license on the FMCSA’s website using their mover search tool. Watch out for vague or incomplete estimates—these often lead to surprise fees later.
Always get a written estimate with a full breakdown of costs. Don’t trust companies that won’t put their quote in writing. Also, avoid movers with no physical address or limited customer reviews. If a deal sounds too good to be true, it probably is. Staying cautious and checking every detail can help protect your money, belongings, and peace of mind during the move.
Stay Informed, Stay Prepared
Moving later in life takes careful planning, patience, and the right support. While current tax laws make it difficult for seniors to deduct moving expenses, there are still smart ways to manage costs and make the process easier. From budgeting and packing tips to trusted moving services and senior discounts, every step counts. Staying informed and asking the right questions can help avoid stress and unexpected costs. With the right approach, seniors can move confidently, knowing they’ve made thoughtful choices for their comfort, safety, and future.