Here is an example. Two weeks into a match, the home seeker finishes the milk, meaning to replace it on the way home from work. The home provider comes down at six in the morning to an empty carton. They had never agreed whether groceries were shared.

Most of daily life in a shared home runs on small systems like that: whose shelf is whose, who buys the dish soap, when the washer is free. This guide covers those systems: the hands-on layer that comes after you have talked through deal-breakers such as smoking, pets, and guests.

The kitchen and the fridge

Groceries and shared staples

Decide which things are shared and which are personal. Shared staples often include salt, cooking oil, coffee, dish soap, paper towels, and toilet paper. A few ways to handle them:

Cleaning, laundry, and borrowing

Chores are each person's ordinary share of running a household, not a service one person does for the other. Home sharing is housing. It is not caregiving, case management, counseling, or treatment. Trading help around the house for lower rent, or paying someone for help, can create employment, tax, and insurance obligations whether or not anyone intended it, so get advice before either of you agrees to it. Our guide "Help around the house is not caregiving" explains where that line sits.

Splitting utilities and household costs fairly

There is no single right way. Common approaches:

Walk through each cost: electricity, gas or oil, water, trash, internet, streaming services, and household supplies. Keep receipts, and look at the first two or three bills together before you settle on a system.

How you set up rent and utilities can matter for taxes and some benefits. Our guides "Taxes on rent from a room, in plain words" and "Will sharing my home affect my benefits?" explain what to ask.

A sample house rules list

These are discussion examples, not recommended standards. The right quiet hours, guest limit, or thermostat range is whatever works for both of you, and it may look very different.

  1. Quiet hours are 10 p.m. to 7 a.m. on weeknights.
  2. Each person has one fridge shelf and one pantry shelf. The middle fridge shelf is shared.
  3. Dishes are washed or in the dishwasher by bedtime.
  4. Bathroom and kitchen floor cleaning rotates weekly, on Saturday.
  5. Laundry: home provider on Monday and Thursday, home seeker on Tuesday and Friday.
  6. Overnight guests: a number of nights and amount of notice you both agree on (for example, two nights a month with two days' notice, or whatever suits you both).
  7. The thermostat stays within a range you both agree on (for example, 66 to 72 degrees, adjusted for health needs, the season, and each person's comfort).
  8. Ask before borrowing anything.
  9. A closed door means "not right now."
  10. We check in over coffee on the first Sunday of each month.

Revisit after the first month

Set a date before you move in. At about one month, sit down and ask each other:

Write any changes into your agreement, dated and initialed by both of you. Routines shift with seasons, jobs, and health, so keep checking in.

Most of daily life in a shared home runs on small systems. It helps to decide them together.

Where to get help

This is general information, not tax or benefits advice. Talk with a free tax help program or your benefits office about your situation.

SourcesShow the sourcesHide the sources The numbers in this guide match the sources below.
  1. USDA Food Safety and Inspection Service, Leftovers and Food Safety

Last reviewed September 25, 2026