Where to change your address

The United States Postal Service (USPS) is where you start. USPS handles mail forwarding, which means your postal carrier will redirect letters and packages sent to your old address to your new one. You can change your address online at usps.com, by phone at 1-800-275-8777, or in person at any post office. The online method is fastest — it takes about 10 minutes and costs $1.10.

Changing your address with USPS does not automatically update your address everywhere else. Banks, insurance companies, employers, government agencies, and subscription services all keep their own records. You will need to contact each one separately. Start with the ones that send you mail or bills regularly, then work through the others.

Key Takeaways

  • USPS mail forwarding costs $1.10 online and takes effect within three to five business days, but it lasts only 12 months.
  • You must notify your bank, insurance company, employer, and any government agencies separately — USPS forwarding does not update them.
  • The IRS, Social Security Administration, and your state's motor vehicle department each have their own address change process.
  • Subscription services, utilities, and healthcare providers need your new address to avoid missed bills and appointment notices.
  • Keep a checklist of all services you use so you do not miss any when you move.

How to set up USPS mail forwarding

Go to usps.com and click "Mail & Packages" at the top, then select "Change of Address." You will need your old address, new address, and the date you want forwarding to start. USPS asks for a phone number and email address. Payment is $1.10 by debit or credit card. The forwarding takes effect within three to five business days and lasts for 12 months. After 12 months, mail sent to your old address will be returned to the sender.

If you prefer not to use the website, you can call USPS at 1-800-275-8777 and a representative will process the change over the phone. There is no extra charge. You can also fill out Form 3575 at your local post office and submit it in person. The in-person method is useful if you want to ask questions or if you do not have a debit or credit card.

Updating government agencies

The Internal Revenue Service (IRS) needs your new address if you file taxes. You can update it by calling 1-800-829-1040 during business hours, or by mailing Form 8822 to the IRS address listed on the form. The form takes about two weeks to process by mail.

The Social Security Administration (SSA) maintains a separate address record. Call 1-800-772-1213 to update it, or visit your local Social Security office in person. Bring a photo ID and proof of your new address, such as a utility bill or lease.

Your state's Department of Motor Vehicles (DMV) handles your driver's license and vehicle registration. Most states let you update your address online through their DMV website. Some require you to visit in person or mail a form. Check your state's DMV website for the exact process — it varies by state.

Notifying banks and financial institutions

Call your bank's customer service number on the back of your debit card or on your monthly statement. Have your account number ready. Most banks update your address within one business day. Some banks let you change your address online through their website or mobile app — log in and look for "Account Settings" or "Profile."

If you have a mortgage or car loan, contact the lender directly. Do not assume your bank will pass the change along. Credit card companies, investment accounts, and retirement accounts (401k, IRA) all need separate notifications. Check your statements to find the customer service number for each.

Updating insurance and healthcare providers

Call your auto insurance, home or renters insurance, and health insurance companies. Have your policy number ready. Address changes usually take effect when ready, though some insurers may ask you to confirm in writing. If your new address is in a different state or county, your insurance rates may change — ask about this when you call.

Contact your doctor's office, dentist, and any specialists you see regularly. Give them your new address and phone number. If you use a pharmacy, update your address there too so prescription refills reach you. If you have a health insurance plan through your employer, notify your HR or benefits department as well.

Updating utilities and subscription services

Contact your electric, gas, water, and internet providers at least two weeks before you move. They need your new address to set up service at your new home and to close your account at your old one. Have your account number from your bill ready when you call.

Update your address with any subscription services you use — streaming services, magazines, meal kits, software subscriptions, and gym memberships. Most let you change your address online through your account settings. Check your email for any services you may have forgotten about, such as cloud storage or password managers.

Creating a checklist to stay organized

Write down every service that has your address on file. Start with the ones you interact with most: your bank, employer, insurance companies, and healthcare providers. Then add utilities, subscription services, and any government agencies. Go through your email inbox and look for bills and statements to find services you may have overlooked.

As you contact each service, check it off your list and note the date you made the change. Some services take longer than others — USPS takes three to five days, banks take one day, and government agencies can take two to four weeks. Keeping track helps you know which ones to follow up on if mail does not arrive or if you receive a bill at your old address.

Frequently Asked Questions

How long does USPS mail forwarding last?

USPS mail forwarding lasts for 12 months from the date you set it up. After 12 months, mail sent to your old address will be returned to the sender. If you need forwarding for longer, you can renew it before the 12 months ends by going back to usps.com or calling 1-800-275-8777.

What if I move again before my USPS forwarding expires?

You can set up a new forwarding order for your second move. USPS will forward mail from your first address to your second address, then from your second address to your third address. However, this chain only works for the duration of your original forwarding period. After that, you will need to set up a new forwarding order.

Do I need to update my address with my employer?

Yes. Your employer needs your current address for tax forms (W-2), benefits paperwork, and direct deposit information. Contact your HR or payroll department with your new address. If you receive a paycheck by mail, updating your address is especially important.

What counts as proof of my new address?

Most organizations accept a utility bill, lease agreement, mortgage statement, or government-issued ID with your new address. Some accept a bank statement or insurance policy. If you are unsure what a specific organization accepts, call and ask before you submit anything.

Can I change my address before I actually move?

Yes. You can set up USPS forwarding for a future date — up to 30 days in advance. This is useful if you know your move date but have not moved yet. For other services like banks and insurance, you can usually update your address a few days before you move without any problem.