The Downsizing Roadmap Podcast
Welcome to The Downsizing Roadmap Podcast, your go-to resource for navigating the emotional and practical challenges of downsizing. Whether you’re helping a senior loved one transition to a smaller space, embracing minimalism, or simply looking to simplify your life, this podcast offers expert tips, heartwarming stories, and actionable advice to guide you every step of the way.
Join us as we share insights, interview trusted vendors, and explore real-life journeys of letting go and moving forward. Tune in to find inspiration, solutions, and support for creating a lighter, brighter future.
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Meet Your Hosts:
Jodi Rosko and Heather Fisher
Realtors and Downsizing Specialists
The Rosko Group
Keller Williams Community Partners
https://downsizingroadmap.com/
The Downsizing Roadmap Podcast
53. Downsizing Out of State: What to Know Before You Relocate
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Thinking about relocating to another state after downsizing? Whether you’re dreaming of warmer weather, moving closer to family, or just ready for a new adventure, this episode is for you.
In this episode of the Downsizing Roadmap Podcast, we walk through the real factors to consider before making an out-of-state move. We’re talking more than just sunshine and square footage—we’re digging into state taxes, support systems, cost of living, healthcare access, and the emotional shifts that come with leaving your comfort zone.
We’ll share the smart questions to ask, the red flags to watch for, and the strategies that make this kind of transition smoother. Whether you’re feeling pulled by excitement or pressured by logistics, this episode will help you move forward with clarity and confidence.
Because a successful move isn’t just about the “where”—it’s about how prepared you are when you get there.
Episode Highlights / What You’ll Learn:
- Why so many downsizers choose to relocate—and what they don’t always expect
- The tax and financial implications of moving to another state
- What support systems you’ll need to rebuild (and how to start early)
- Emotional and identity shifts that often come with a long-distance move
- How to test-drive a new location without rushing the decision
- Tips for avoiding relocation regret—and protecting your options
If you're considering an out-of-state move, don’t do it alone. Head to www.downsizingroadmap.com to schedule a free consultation, explore our planning resources, or sign up for an upcoming downsizing workshop.
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Welcome back to another episode of the Downsizing Roadmap Podcast with your hosts Jody Roscoe and Heather Fisher. We're talking about all things downsizing, from our own experiences with clients to guest experts.
Heather FisherLet's make downsizing easier, one conversation at a time. Hi, welcome to Downsizing Roadmap. We are here again for another episode. Today we're talking about downsizing out of state. So we do see this with clients. Um, you know, they're they're in one location, and part of that retirement or downsizing plan involves going to a whole brand new location.
SPEAKER_01Which in this weather makes so much sense. Yeah. I'm asking myself why I live here right now. We are in Dayton, Ohio, and it is very cold here.
Heather FisherYes, I'm Heather Fisher.
SPEAKER_01I'm Jody Roscoe.
Heather FisherAnd we are making plans as we speak to escape somewhere warm with zero degree temperatures today.
SPEAKER_01My cousin sent me a little reel and it was like, why do I live here? Like, yeah, I know.
Heather FisherYes, so we're battling the cold. Sometimes the weather is that motivation. Sometimes it's, you know, where your adult kids have landed, and that might be somewhere else, and you want to get back to being closer to them or grandkids. Um, sometimes it's a a later in life job change that you're just moving to a different path there. And um lots of reasons.
SPEAKER_01But we've seen people who, you know, it later in life job change, their job is um mobile, so they can be anywhere. And you know, sometimes they're like, let's let's make a new chapter, let's pick somewhere we've always loved to go, or you know, something like that. We do love it here. I'm not, you know, we do. It's just on these super cold days.
Heather FisherWe love Ohio all days except today. It's cold, very cold. Um, so you know, making that move, any move, we talk over and over again about challenges that come. You know, moving's just hard in general, all phases of life.
SPEAKER_01Yeah. And an out-of-state move is is bigger because you know, there are there are some um practical, you know, emotional, financial things that you need to kind of think about, like um tax implications or cost of living might be different. You're gonna have to start all over with your, you know, who's gonna cut your hair and what who's gonna be your doctor and support network. Yep, all of those kind of things. So um, that's what we're gonna talk about today, just kind of different things to be thinking about um if you're thinking about moving out of state, which can be very exciting and fun.
Heather FisherYeah, the logistics are one thing to get through, and then it c it really is a great change and can be a whole new path. Um, so we talked a little bit about the reasons why people might be considering that move. Um, you know, maybe we can dive a little bit into the financial pieces that might come along with that uh beyond the housing costs.
SPEAKER_01Yeah. So I mean, just back to the the the reasons. Um, you know, we get a lot of people whose kids move all over for their jobs and then they're like, wait, now we aren't, you know, we aren't there to see the grandkids, or we, you know, we're we're far away from them. So I think that's that's something that we've had a lot. Um sometimes we get people that are just moving to be somewhere warmer, but mostly I feel like there's some reasons like that you land somewhere else.
Heather FisherSo yeah, there's some years when your younger adult kids are are kind of uh migrating all over themselves for college and maybe a few job changes themselves, but it gets to a point where uh most people kind of make that settled move and it may be back close to where you are. They may have come come back your direction, but sometimes it's where they near where they went to school or where they have found um that that long-term career job.
SPEAKER_01They're finally settled a little bit. Yeah. Um and then sometimes, you know, it's actually more affordable wherever you know you're looking than where you live now. So we live in an area that's very affordable already. Um, but if you don't, you know, maybe you're going to a place that's gonna afford you a different kind of lifestyle.
Heather FisherYeah, let your retirement income work a little easier for you, um to make it you know, life just a little easier and not those financial pressures.
SPEAKER_01Yeah. And you wanna really that's what you want this to be a choice, not something that you feel like you, you know, that you're having to do. So um the best time to make a move is when you're choosing it, right? And so I out of state feels like people are very purposeful about that when they're choosing out of state choices to move.
Heather FisherSo yeah, I feel like mm there's two kinds uh of people, maybe two, that you know, some people vacation year after year to the same places. Yeah, and we were like that as kids. We always went to to the east coast, to the shore, and always went to the same place. And my mom would say, Oh, I w I want to live here someday. And and you know, I'm sure if if those choices would have come up, she would have chosen where we always went. My mom too. Um, you know, at the shore. And we see people that go to Florida and they've already started to establish you know those connections and that familiarity with where they go. Right. Uh and then there's the people that are very adventuresome and they're vacationing somewhere new and somewhere spontaneous and um they might we love it here. Yeah. We're gonna stay. Yeah, and they've been there once and and all of that. So it may be an out-of-state move to somewhere you're a little familiar with. Um and it may just be uh, you know, choosing an adventure and and going to check out something new.
SPEAKER_01Yeah, for my mom's family, they went to South Carolina um since she was like seven years old, and so that is a million times where she would move. She would have gone. Yep, where she would have been. So top inbound um retirement states are Florida, Arizona, North Carolina, and Texas. Not to mean that you need to go to one of those places, but um, those are the top ones. And I love North Carolina. Um, it's beautiful there. Um, we've been all over the country for re various reasons, but um yeah, North Carolina's a really pretty place. Yeah.
Heather FisherNot to say the other ones aren't, but I've never been to Arizona on the list there. So nice and warm.
SPEAKER_01If you need to be warm, Arizona is gonna be warm. There are some mountains in Arizona that aren't quite as warm, but yeah.
Heather FisherAwesome.
SPEAKER_01Okay, so financially, um, what does this look like? So it's more, you know, more than just housing costs. So um state tax implications, um, income tax. For example, like Florida has no income tax versus California or New York. If you're still working, that can that could make a difference for you.
Heather FisherYeah, absolutely. Um, and knowing, you know, the inheritance and estate tax differences, you know, for the states that you're considering, um, definitely a great time in the planning stage to talk to your financial planner, talk to your accountant, and you know, just ask those questions, the what-ifs, you know, if I do this, if I sell this home, should I buy there, should I rent there? Um, all of those pieces can just have different implications in the long term that you want to make sure you're familiar with before you make bold choices and quick decisions.
SPEAKER_01Yeah, my dad moved here to be near our family, so um, and he's probably really questioning that process right now when it's freezing out. Um, but um he moved from Las Vegas and he was just shocked at what the property taxes were here, even though it's very affordable to live here, you know, they were so different. You know, that was so different for him. So um, yeah, you want to just talk to somebody about what that looks like.
Heather FisherYeah, it's a full picture because states just handle things differently. And you know, saving on one tax in one place, it may hit you in a different place that you weren't considering.
SPEAKER_01Sales tax might be different or something, but if you're looking at it in your property, like it's money that you're paying out that you may or may or may not have thought about.
Heather FisherYeah, might not be used to. So definitely need to look at that full picture. Um health care considerations, um, you know, making sure that whatever um Medicare plan you might be on or supplemental plans or health insurance in general. Health insurance from an employer, um, if if you're still working, are they going to transfer and not lose coverage or change uh the amount out of pocket um that you're looking at? That's a huge thing to consider. Healthcare coverage is so important and um making sure that you can cover those costs.
SPEAKER_01And the availability and the quality of the providers in the new area. So um we go um up to New Hampshire and it's just more rural. And so not that there aren't good doctors there, but it it's it's more rural. Yeah.
Heather FisherYeah, choosing an area where all of that would be convenient and accessible is an important part of the choice.
SPEAKER_01So also cost of living comparisons, like housing it in itself can be very, very different. Um, but also utilities and insurance, insurance, you know, hurricanes, yeah, um fire zones, flood zones, like what are what are you looking at there and and what does that insurance look like? Because that could be a big nugget. And in some places, insurance is really is really um difficult right now.
Heather FisherYeah, as people look towards those warmer areas near water, um you know, this is a huge part of that equation because unfortunately our weather has been more dramatic the last few years and um insurance rates have definitely changed, and making sure that that's part of what you can afford.
SPEAKER_01Right. Um groceries and gas. I mean, if you're going to Hawaii, you know, that's gonna be that's gonna be a little bit higher um bill for you, you know, depending on what you're looking at. So all of it. So it's just a bigger, a big picture of what you're looking at, not only um housing cost.
Heather FisherYeah, and then the the logistics of the move itself, um, you know, long distance moving companies, knowing what that cost is going to be to have those resources, are you going to need them to fully pack your house and then the transit of getting it from one location to the next, um, unpacking and you know, finding those resources at both ends, you know, it won't be the same if you have um a um move manager on one end. Yeah. Do they have a counterpart to help you unpack and get set up at the the next location and and just making sure that you have those resources that could go, you know, longer distances um or refer you to someone on the other end to help you when you get there.
SPEAKER_01Yeah. I I would get two or three quotes. Um some moving companies do it by weight and some do it by volume. And um think about are you gonna have to store furniture at all once you get there? Are you gonna have some place right away to to move it right into? Um and I will say since I personally have moved across the country, um, I mean I moved to Dayton from California in my twenties. Um and I um brought way more than I should have. So I would say really, really be brutal with what you're taking and what is important to you. And if you know, if you're taking furniture, the vibe of areas are different, you know, and you get there and it doesn't that furniture doesn't even seem to fit in the new area.
Heather FisherYeah farmhouse vibe and all the things.
SPEAKER_01And you're you might just be over it, you know, like you're you would like if you're making a fresh start, maybe you need, you know, and so don't pay by volume or or weight to move things that you don't absolutely love.
Heather FisherI think something to consider there is the cost of buying new versus the cost of transporting. You might be surprised that it's more cost effective. Um, you know, some of the kitchen things or smaller furniture, things like that, uh you know, might be more cost effective to buy new versus moving and packing and and having it taken a long distance. So definitely try to get those quotes and figure that out.
SPEAKER_01Yeah, yeah. So I would, yeah, so just spend some time thinking about finances all over the board on what you're looking at and how it might be different just to make sure that there are no surprises once you get there. You know, that would that's the worst case scenario is that you get somewhere and you're like, wow, this costs way more than I expected it to, or you know, something along those lines.
Heather FisherYeah, and part of that picture that we um, you know, specialized in that real estate, um, if you're moving from one city to another, making sure that you have um a real estate agent on both ends. If you're gonna be buying again in that next community, uh just that strategy and that timing of selling one property and buying the next, making sure you know that your agents are in line and um you know, starting with with a great agent on the house that you're leaving and and making sure they have great communication. You know, we always want to have a great relationship with a referral partner on the other end in a city just to make sure that that timeline works out and that your your funds are available for the next place you need to live, um, and and that all of those timelines work out so that you're not homeless for a few weeks or crammed into a rental or an Airbnb and you know a a weekly stay hotel with your your truck out in the parking lot. We don't want those things to happen. So making sure that you line up um those resources again on both sides is so important.
SPEAKER_01Yeah, reach out to us if you need help with finding a great agent. Um and that uh you can also Google cost of living calculator and um you can find some calculators that can help you figure out what the cost of living would be in different areas of the country if you're if you're working on your finances. So um the next thing to think about is uh building or replacing your support systems. And I think this is really Portin. We had some friends who moved um out of state a while ago and they ended up coming back because this was their struggle is you know, all their friends were here and you know, building a new whole, not just um doctors and because you do have to do that, uh you know, all of those things that you know, hair and where are you gonna go and do all of those things? Um, but your friends as well. Like what you know, who are you gonna be hanging out with? What are you gonna spend be spending your time doing? Um people can that those are I think a harder, you know, you can find a new doctor, but I think finding new friends or you know, people that you're gonna socialize with is a little bit harder.
Heather FisherSo Yeah, especially when you've been in your your current home a long time. Just the whole n neighborhood and you know, your social circle is can be people at different clubs and and activities you do. It can be your neighbors next door, it can be people that you've worked with in the past. I mean, that circle grows as we get older, and then to be starting fresh again, it's it's it it's a challenge.
SPEAKER_01Yeah, that's a challenge. So be ready for that challenge. So really start thinking about what kind of social outlets are you gonna do? Is it, you know, is it your church? Is it are you gonna take classes? Do you have hobbies that you're interested in where you can join groups? Um, senior center, like where are you thinking, hey, I can go, you know, meet some people, it might be your neighbors, you know, you might be the new, you know, fun house on the block, whatever that is. But um, but just know that that's something that's gonna have to be rebuilt and be ready for that.
Heather FisherYeah, absolutely. If you're moving close to family, um, you know, on the other end of that move, that can be a huge starting point. Um, but you also want to be careful not to build family tension by having um, you know, your if it's your adult kids and grandkids, you don't want that to be your only outlet because you're coming into when they have a full busy life as well, and you just don't want that tension. Um, so even if you you know that they're there and I'm sure they're so happy to have you close by and you'll be able to have so many family memories, make sure you have some other outlets as well that you're starting to build um to fill fill your calendar.
SPEAKER_01Because honestly, that's a lot of pressure on your adult kids to feel like they're the ones responsible for you, you know, all of your social interaction. Yeah, that's hard.
Heather FisherYeah.
SPEAKER_01Um not that they don't want you, they do. But also what kind of what's your what's your back to being dreamy guys? Because that's number one, and that's what we're doing right now is thinking, you know, forward thinking about how it is, but what's your life gonna look like with your kids and grandkids and what else? You know, what is that future gonna look like?
Heather FisherYeah. So I think um, you know, there are some online places where you can start to find um the people who live in different areas next door or Facebook groups for particular neighborhoods or cities can start to be a good place to see just what's going on and events that are coming up in um, you know, so many small towns have such great fun activities going on.
SPEAKER_01Right. So then also like who's your local professional support gonna be, right? Your doctors, your handyman or financial advisor, is somebody gonna clean your house? You know, who's gonna do your landscaping? Who are you gonna call when you need help with all of these things? Um and so uh that I think you know, some local Facebook groups are good for that too. Hey, you know, my garage door's broken, who should I call? Who should I call? Yeah.
Heather FisherSo hear the good and the bad real quick. Right.
SPEAKER_01Um, but yeah, and and if your family already lives there, then they may have some some great sources already. Um, but again, just know that these are things that you're gonna have to rebuild and figure out, you know. Yeah, including things like where's my favorite grocery store and how you know, like what am I gonna do? All of it. Like it's all you're if you're if you've lived somewhere often for a long time, all that stuff is just stuff that you take for granted. Like you don't think about, oh my gosh, like I know, I know where to get, you know, the best points at us, I know where to get like whatever it is, like and you know all of those places, and if you go somewhere new, it's all fresh and new learning. And sometimes that's fun. Um, but just know that that's something you're gonna have to work on. Yeah, and maybe you consider renting first to test the waters, you know, especially you know, if you're gonna be near family, maybe you you rent for six months or or or something until you figure out this is the part of town I want to live in. You know, even if you're sure that's where you want to go, there's areas different areas of town that you might want to look at.
Heather FisherSo yeah, that's a great way to ease in and uh make sure you're making the best choice there. So uh a move like this could bring a ton of excitement, but it also brings uncertainty because change is hard. We talk about that a lot. So um there's gonna be some emotions that I think all of us would go through and and you need to acknowledge them and get through them. Um you might feel uh grief and displacement. Um, even when you're excited and there's you know everything you wanted on the other side, there's still just a period of change where things feel a little off, you're not quite settled yet, you're feeling emotional about that. That's a little like loss. Yeah. Yeah.
SPEAKER_01I mean, I think people who even just lit move from one house to another house feel in the same town feel like that sometimes. They're, you know, miss the old house, miss the so st I so I've been in my my house, I think it's five years now, and there are still things that I can picture where they are in the old house. And I don't know where they are in the new house, you know, right off the bat. And I'm like, oh, that is so frustrating. Like if I was in my old house, I know exactly where that thing is. And so, you know, there's some it's and I don't feel loss around it, but like there's you know, you just remember, you have memories, and there's memories there, and um and in the beginning, you know, it did it did feel like oh gosh, we're somewhere new and the old house, you know, you have a little bit of lost memories, you know, for it.
Heather FisherSo yeah. Usually um, you know, the best way to start getting over that is to establish your new routines quickly, um, your new your daily routines. Um, you know, having coffee in the same place at home or somewhere else, and you know, daily walks to get used to your new neighborhood. Um, all of that starts to help um not only meet people and and see begin to have things feel familiar, um, but just gives you that comfort of of a routine is always helpful.
SPEAKER_01I mean you could potentially feeling be feeling like the outsider in a new place, right? Like I don't know anybody, I don't know who to talk to. Go get a cup of coffee, you know, go feel you know, go be in a place where people are meeting and you know, joining and kind of just make yourself make yourself part of it. Yeah, yeah. Maybe you find a place that you walk every day where other people are walking, or maybe it's a dog park, or maybe you know, you you know, find some places where you feel like other people are around.
Heather FisherYeah, absolutely. Can uh uh st uh stave off that loneliness feeling of a new place.
SPEAKER_01Maybe you feel guilty because you left some of your other families members at home, or maybe you didn't go where family is and you left everybody, you know. Who knows? But maybe, you know, maybe there's guilt over that, or maybe there's doubts about whether it being the right decision. And I think some of that is just give yourself some time to adapt. So um research shows it takes six to twelve months to truly. settle into a new environment with that being a house you moved in across the town or a house you moved in across the country. Um so reframe it as you know it's not it's not like if you it's if it was the wrong decision, you're gonna go back to something. It's kind of like, okay, this is my new check, my next chapter, like and we're gonna create something new here. So what is that gonna look like?
Heather FisherYeah, what ways can I embrace that?
SPEAKER_01Yeah. So um you know sometimes it it helps first people to journal that you know what what does my d ideal day in my new home look like? You know, what am I doing? Who am I seeing? How do I feel when I wake up? You know, if it was my mom and she could wake up and hear the ocean, um she would love that.
Heather FisherYeah absolutely and we Jody and I always encourage this way at the front as that first step. And if you did that now's the time to revisit that. Yeah. You know what did I write down? What what why did I make this move? And if you're not quite you know if it hasn't quite all the way come together a hundred percent what little tweaks do you need to make uh you know to make it exactly what you dreamed about and if you skipped that step it's not too late. You know do it now and uh you you know get those emotions settled by really envisioning how you want it to look and and then going out and you know fake it till you make it start find your people find your people find your routines find your day um and when you leave yourself open to that opportunity that that great life and those friendships and all all of the things you loved about home they'll start to come there too.
SPEAKER_01Yeah yep. So um so smart planning if you're gonna try to avoid that regret regret is um to to do sh again it's research up front right so first you're gonna do your dreamy thing and figure out like what is it that you want and then you're gonna spend some like really quality research time. So um visit if you're if you're going somewhere visit more than one season. So if that's somewhere you go every winter go in the summer and see if it's really too hot. Or if it's you know a summer place, go in the winter and be like, oh can I deal with what this is like.
Heather FisherYeah absolutely is it deserted you know and you want it to be the way it is all you know when you're there at the peak time or do you find that now oh wait I'm here at the peak time and all the vacationers and kids and everybody and and I can't enjoy it as much. So definitely cities like that can change.
SPEAKER_01Yeah so visit more in more than one season and you know what your family likes if they're there might not be exactly what you like. So just you know go figure that out for yourself instead of just relying on their opinion and um you know run an Airbnb. You could run an Airbnb for an extended time you can you know be there for a month or you know a short term rental um midterm rental there's a midterm rental so you can figure out you know you could be there for a month or two and figure out what that looks like.
Heather FisherYeah I know um uh a a couple um in their retirement years um that knows my family and they decided to sell their house and uh they were gonna move to an R V you know into an R V and travel the country but I'm not sure they did enough testing that out and um you know so they did that and they sold the house and gave away or sold furniture and and just you know moved into the R V lifestyle without really taking it for enough of a test drive as they needed and I think they lasted maybe a year, maybe two and then really just decided this is too much togetherness, too small, too you know not too much but it was harder to unwind that and I think maybe an extended rent that for a month or two would have um you know alleviated a lot of the headaches they had on then trying to rebuild back into um you know a a home in one location.
SPEAKER_01My grandparents did that too. They did not sell the house but they did buy you know the Winnebago and you know they were uh my grandpa thought he wanted to just tour the whole country um while my grandma cooked on the little baby stove and all the things and they did I mean I think they enjoyed spending some time doing that but it was you know it wasn't going to be their lifestyle forever. So I think that they did appreciate it and enjoy it. But it it was you know good that they figured that out before they went all the way in.
Heather FisherYeah through everything to the wind yeah so that goes back to you know having a backup plan or you know an escape hatch from the plan. Do you have a a way to test it and a way to make sure that that's what you want before um you know you're across the country and yeah and can you afford to move again if that isn't gonna work out.
SPEAKER_01Again you're gonna give it time and you're gonna put a lot of thought and and you know research into it before you go and we're not trying to be pessimistic we want to make sure there's just a backup plan. But what what is that and just know what your backup plan is and what that might cost if you're gonna if you're really really hate it once you get there for whatever reason. We don't find that people mostly do. No it's rare.
Heather FisherNo and I think there's tools if it doesn't feel quite right um back to being dreamy and reaching out for you know a routine and social life and all of that. I think there's ways to just give it the time it needs to become everything you wanted it to be.
SPEAKER_01Yeah but and if it's if if it didn't work out it was still some great adventure right I mean honestly no wrongs right absolutely so um so I guess you know figuring out is this your next right move ref reflect on those pros, write those pros down. Um write down what you think the challenges might be figure out if those you know outweigh, right? We're gonna do the pros and cons list and um you know what's motivating your move because I think that um when we find that people come back the motivation there wasn't strong enough.
Heather FisherYeah. And uh you know a a move acros you know out of state or a move farther away um really takes a lot of conversations at the front end if it's if you're part of a couple um talking with your partner and making sure you're both on the same page for that move and really sharing you know what your dreams and your motivation with your family that might be giving you pushback and feeling like, oh my gosh, why would you want to do that, mom? Why would you want to do that, Dad? Really having that clear vision of here's the reasons and here's my motivation and whether that puts you closer to them or gives an opportunity for them to vacation and and come see you in your new spot. If it's if it's your dream and that you're ready to do that, that's okay. Just have those conversations up front and let everybody know you know why you're choosing that and and go for it.
SPEAKER_01Yeah yeah that it can be such a fun um adventure and it can really energize you and you know create a whole new lifestyle and so that can be really great if that's something that you're looking for. So again if you need somebody to help you um figure out what housing looks like wherever you're thinking about going reach out to us at downsizinglordmap.com we can help you find somebody and um start writing those journals start thinking start getting dreamy about what that could look like in the cold cold of Odayton Ohio this is exactly exactly the right time to be doing that.
Heather FisherWe appreciate you listening and we'd love if you left us a review and checked out our other episodes and we'll be back next week. Thank you. Thanks for joining us on the Downsizing Roadmap podcast. If you found this episode helpful be sure to subscribe leave us a review and share it with someone who might need a little downsizing inspiration. Have questions or ideas for future episodes reach out to us on our website www.downsizingroadmap.com until next time let's keep simplifying and moving forward