When your adult child moves back home, deciding whether to charge rent is a tough call—and one only you can make. Every family’s situation is different, and there’s no one-size-fits-all rule. But if you’re unsure how to approach it, here are some thoughtful ideas to help guide your decision.
Why (and How) Charging Rent Can Work
Charging your adult child rent isn’t about making a profit—it’s about teaching responsibility, encouraging independence, and setting healthy boundaries. And sometimes, it’s about giving support in a way that sets them up for success.
Here are a few strategies you might consider:
- Charge a lower-than-market rate. This gives them breathing room while still teaching them how to manage expenses.
- Save the rent without telling them. Put the money in a high-yield savings account. When they’re ready to move out, gift it back to them as a down payment, security deposit, or emergency fund.
- Set a clear move-out date. Establishing an end point creates structure and motivation for your child to work toward independence.
- Use a sliding scale. Increase rent gradually based on how long they stay or how much they earn.
- Ask for contributions in other forms. If rent feels too formal, consider help with groceries, utilities, chores, or caregiving.
The key is communication. Be upfront about expectations, your reasoning, and any agreements you come to together. Whether you’re offering a soft place to land or a push toward self-sufficiency, your support matters—and with the right structure, your child can thrive because of it.
