Things to Do Immediately After Buying a Home

When you buy a home, whether it’s brand new or a fixer-upper, it’s never perfect. In fact, 77% of new homeowners run into unexpected issues within their first 90 days, and the average buyer spends between $2,000 and $5,000 on surprise costs in their first year alone.

While these expenses may not be avoidable, they can (and should) be planned for before closing. Knowing what to expect and what to prioritize can help you stay ahead of costly surprises and make smarter decisions from day one.

The first 30 days of homeownership are when you’ll lay the groundwork for your home’s safety, functionality, and long-term value. Some of these tasks are administrative, and some require work.

Whether you’re a first-time buyer feeling overwhelmed or a seasoned homeowner looking for a more structured approach, this guide breaks down the 16 essential things to do immediately after buying a house, complete with tips on timing, budgeting, and avoiding common mistakes.

16 Essential Things to Do for New Homeowners

The first month you move into a new house is when you put the work into transitioning the house from feeling like someone else’s to feeling like your own. Some of these tasks are fun, while others are more administrative, but they all help set up a strong foundation for the years ahead.

Each of the following 16 tasks has been chosen based on what most homeowners overlook, delay, or regret skipping altogether.

1. Change All Locks and Access Codes

The first thing to do immediately after buying a house is to secure the property, which means changing all locks and access codes. Do this before moving into your future or sleeping in the property (ideally, the day you take possession).

While the previous owners probably handed over their keys, you don’t know who else has had access to the property (dog walkers, housekeepers, friends, family, etc.) and may still be able to enter. Changing logs might seem like a cost ($50-100 per lock), but you’re protecting your property, your belongings, and your person by doing so.

Start by replacing or rekeying all exterior door locks, including side and back entrances, garage entry doors, and any outdoor sheds or gates with locks. If the home has a keypad entry or smart lock system, update the codes immediately and reset the manufacturer settings to prevent unauthorized access.

If there is an alarm or security system, update the access codes and contact the monitoring company to make sure they have your information on file. Don’t forget to change the codes on your garage door opener and erase any stored remote devices from the system; this step often gets overlooked.

Expect to spend $150 to $500, depending on the lock type and brand you choose.

2. Test All Safety Systems

Sometimes, sensors break, require battery changes, are overly sensitive, or are not sensitive enough. You want your safety systems to be functioning correctly, which is why you should prioritize testing them within the first 24-48 hours after taking possession (even if you’re not moving in yet). A quick check now can prevent serious problems down the line.

Start by testing smoke detectors and carbon monoxide detectors in every room, especially near bedrooms and common living areas. Replace batteries or the entire unit if needed (most detectors have a lifespan of 7–10 years). Additionally, make sure you have at least one working fire extinguisher, ideally located in the kitchen and garage. Remember, if the previous owners left behind a fire extinguisher, you still need to check its expiration date, as they typically are only good for 10-12 years.

Next, locate your home’s main water shut-off valve and make sure it’s functioning. It could be in the basement, crawl space, or along the perimeter of the house. In the event of a leak or burst pipe, you want to know exactly where the water main is and how to shut off water quickly, as this can save thousands in damage. Do the same for your electrical panel: identify the main breaker and test that it properly shuts off power when needed. It can be helpful to walk through your home and label breakers in the circuit box and emergency shut-offs, as it can reduce confusion in high-pressure situations and help everyone in the household know what to do in an emergency.

If your home has a security system, test all door and window sensors, motion detectors, and alarm functions. It’s common for security system accessories to fail or for their batteries to run out, so if this is a system you want to rely on, you want to make sure it’s in good working condition.

Finally, double-check that you have emergency contact numbers for local utilities stored somewhere accessible. A magnet on the fridge or a digital note on your phone can save time during a crisis.

3. Document Everything with Photos and Video

Within 48 hours of taking possession, and definitely before you start moving in or making changes to the property, you want to have a record of the home’s condition upon possession. This record can be helpful when filing insurance claims, reporting pre-existing damage, or preparing for future renovations.

Start with a full walk-through video of the entire house, both inside and out. Then take still photos to supplement your footage, including photos of:

• Every room, including walls, ceilings, floors, and windows
• Kitchens and bathrooms, including countertops, cabinetry, and fixtures
• All included appliances, with close-ups of serial numbers and model information
• Any visible damage, stains, or wear, especially in basements, attics, or crawl spaces
• Major systems like HVAC units, water heaters, breaker boxes, and shut-off valves
• Outdoor areas, including the roof, fencing, driveway, and landscaping features

Once documented, store everything in a secure, cloud-based system like Google Drive, Dropbox, or iCloud. Organize your files by room or system for easy access, and make a backup just in case.

Why is this so important? If you ever need to file a homeowners insurance claim for unexpected repairs, sell your home, or prove the age or condition of a major appliance, this digital paper trail can save you serious time and money. It also helps you track the upgrades you’ll make along the way, which is always a satisfying look back.

4. Secure Your Network and Smart Home Devices

Now that the world has become so digital, homeowners need to think about digital security as much as physical. If your home came with smart devices, like thermostats, cameras, lights, or doorbells, you want to secure your network and lock out any lingering access from previous owners.

If the previous homeowners left behind a WiFi router, start by updating your WiFi network name (SSID) and password. Avoid using default names like “Home WiFi” or any personally identifiable information. Then, review all connected devices to ensure only your household has access.

Here’s a quick checklist to tighten your smart home security:

• Change your WiFi password and update it on all personal devices
• Factory reset all inherited smart home devices (thermostats, cameras, doorbells, etc.)
• Remove old user accounts from apps tied to those devices
• Set up a secure guest network for visitors or non-essential devices
• Install firmware and security updates for routers, hubs, and smart systems
• Enable two-factor authentication where available

5. Complete Utility Transfer and Setup

When you take possession, it’s possible that the previous homeowners already disconnected their utilities. In that case, you should reach out to get your utilities connected right away. If they didn’t already initiate a disconnect, then you have a little more wiggle room, but new owners should get their utilities updated within 1-3 days of taking possession.

Here’s a checklist of the utility providers you need to contact:

• Electricity supplier
• Gas company
• Water and sewer
• Trash and recycling company
• Internet and cable provider

Beyond activation, take the time to make sure you secure the best plan for your budget and needs. Write down the company’s support contact details in case of outages, billing questions, or emergency shut-offs.

6. Review and Update Home Insurance Coverage

While you likely had to review insurance providers and secure homeowners insurance before closing as part of the mortgage process, many buyers don’t take the time to fully understand their policy, or make important updates that reflect their specific situation.

Start by contacting your insurance agent to confirm the policy is active as of your closing date. Then, take a closer look at your coverage:

• Dwelling coverage
• Personal property
• Liability coverage
• Deductibles

If you own high-value items like jewelry, art, or expensive electronics, consider adding a rider or endorsement to ensure those are adequately covered. This is also the perfect time to ask your agent about an umbrella policy, which is supplemental insurance that provides extra liability protection that can cover more than one asset. These policies are beneficial if your net worth is growing.

While you’re evaluating if your homeowners insurance needs any updates, it’s a great time to learn the basics of the provider’s claims process. Knowing how to file a claim, what’s covered, and who to contact can make a significant difference in high-stress situations.

7. Create Your Home Emergency Kit

Every homeowner should have a well-stocked emergency kit ready within the first week of move-in. Whether it’s a power outage, severe weather, or a plumbing mishap, being prepared can make all the difference.

Your kit should include enough supplies to support your household for at least 72 hours. Here’s what to gather:

• Flashlights and extra batteries (skip candles—fire hazard!)
• First aid kit with bandages, antiseptic, medications, and gloves
• Non-perishable food and bottled water (1 gallon per person, per day)
• Manual can opener, multipurpose tool, and basic hygiene items
• Emergency radio (battery-powered or hand-crank)
• Copies of important documents (ID, insurance, mortgage info) in a waterproof folder
• Emergency cash in small bills
• Extra phone chargers (preferably solar or battery-powered)

Don’t forget to personalize your kit with items for pets, babies, or seniors, and store everything in a central, easy-to-access location. If you live in an area prone to natural disasters (hurricanes, wildfires, earthquakes), tailor your kit to those risks and learn evacuation routes in advance.

Lastly, establish a family emergency communication plan and designate an out-of-state contact, making sure everyone knows how to reach them if local phone lines are down.

8. Schedule Professional HVAC Service

Even if your HVAC is running fine now, it’s smart to schedule a professional HVAC inspection and cleaning within your first month, especially if you don’t know its last service date. Dust, allergens, and pet dander from the previous owners can linger in the ducts and vents, affecting your air quality and potentially triggering allergies. A professional check-up helps ensure your system is operating safely and efficiently.

During your HVAC service, make sure to:

• Replace air filters
• Inspect and clean ductwork
• Check thermostat performance

Scheduling service now could help prevent costly breakdowns later. According to HVAC industry data, up to 40% of heating and cooling emergencies in the first year can be avoided with early maintenance.

9. Deep Clean and Sanitize Strategic Areas

While some real estate agents negotiate professional cleaning into a purchase contract, typically, sellers aren’t required to clean the home after moving out. No matter how spotless the house looks at first glance, it’s always a good idea to start fresh with a deep clean.

If it fits in your budget and you’re not planning any immediate major renovations. Consider hiring professional cleaners to do a deep clean on the entire property before you move in. Many companies offer “move-in/move-out” packages tailored for this exact situation. Use this clean slate to introduce your preferred cleaning products (especially if you have sensitivities or allergies) and set a standard for ongoing home care. A deep clean may not be glamorous, but it’s one of the fastest ways to feel comfortable and truly at home in your new space.

10. Test and Understand All Home Systems

Being a homeowner doesn’t mean you know how to take care of the house. To start, you need to know how your home actually works. Taking time early on to test your home’s core systems gives you the confidence to handle small issues and the foresight to avoid bigger ones.

Begin with a hands-on walk-through to test and learn the basics:

• Heating and Cooling: Adjust your thermostat, check for proper airflow, and make sure both A/C and heat are functioning.
• Water Heater: Locate the unit, identify the temperature setting (120°F is ideal for safety and energy efficiency), and learn how to shut it off if needed.
• Garbage Disposal: Run the unit with water and a few ice cubes to test for blockages and clean the blades.
• Exhaust Fans: Make sure fans in bathrooms, laundry areas, and kitchens are venting properly.
• Built-in Appliances: Test your stove, oven, dishwasher, and washer/dryer to verify everything works as expected.

After you have introduced yourself to the systems around your new house, it’s helpful to create a simple reference sheet. This sheet should include the location and function of each system, the shut-off points, and any special notes from your inspection.

11. Set Up Mail and Address Changes

Everyone’s least favorite chore after buying a house is the administrative work, making sure that you are officially moved. But while it might not be as exciting as decorating or renovating, updating your address is one of the most important steps in avoiding future headaches.

Start by submitting a change of address with the U.S. Postal Service so your mail is forwarded to your new home. This gives you a buffer while you work through updating the longer list of updates, including:

• Bank accounts
• Credit card companies
• Loan providers
• Insurance companies
• Employer
• Schools
• Healthcare providers
• Subscription providers

You’ll also need to update your driver’s license and vehicle registration through your state’s DMV, which is typically required within 30 days of moving. While you’re at it, update your voter registration to reflect your new district and polling location.

Getting all of this done might feel tedious, but skipping it can create unnecessary stress later. Make a checklist, sit down for a couple of hours, and get it done.

12. Establish Home Maintenance Calendar

After the dust from the move settles, it’s tempting to take a break, but homeownership doesn’t come with a pause button. You want your home to be comfortable and well-maintained for years to come. One of the smartest things you can do early on is to create a home maintenance calendar that will help you stay on track. Organize your calendar by tasks that need to be done weekly, monthly, quarterly, and annually.

With home maintenance comes costs, which tend to increase with the age of a home. Many homeowners budget 2–3% of their home’s value annually for maintenance and repairs. Planning helps spread out costs and avoid surprises.

13. Build Your Professional Network

While you’re planning, take time to research and vet local contractors, even if you don’t need them yet. Knowing who to call for plumbing, electrical, roofing, or appliance issues saves you time (and stress) when something goes wrong.

Homeownership comes with a long to-do list, but not every task should be taken on yourself. That’s why it’s smart to build a trusted network of skilled professionals early. Identify a local licensed plumber, electrician, HVAC technician, and general handyman whom you can call when needed. If you have already worked with a great inspector during your home purchase, ask them for referrals, or you can talk to your real estate agent.

Even if you don’t need work done right away, consider reaching out to schedule a quick service call, inspection, or consultation. This gives you a chance to assess their responsiveness and professionalism before you deal with time-sensitive repairs.

14. Assess Energy Efficiency and Smart Home Upgrades

After moving into your new home, you might want to start making some upgrades. For homeowners who plan to stay in their new home for many years, investing in energy-efficient and smart home upgrades can have a great return on investment. Not only can they lower your monthly costs, but they can also improve your homeownership experience, making your house more comfortable and convenient.

Before you make any changes, do an energy audit to identify where your home is losing energy, whether it’s drafty windows, poor insulation, or outdated appliances. Then, check for local utility rebates or state or federal tax incentives that can lower the cost of energy-efficient upgrades.

From there, consider making a few strategic upgrades. Programmable or smart thermostats can help regulate your HVAC system more efficiently, learning your routines and cutting energy use without sacrificing comfort. Adding insulation to attics or crawl spaces can also make a noticeable difference, especially in older homes.

If your house came with smart home features like connected lights or security systems, now’s a great time to evaluate whether you want to expand your setup. Think about adding smart plugs, water leak detectors, or an EV charger if you’re planning to go electric in the future.

15. Create Home Improvement Priority List

Unless you purchased the perfect home that’s exactly the way you want it, you probably want to start making some changes. But deciding where to start can be overwhelming. Instead of just diving into a project, you should make a priority list.

Start by identifying immediate needs: anything that impacts safety, habitability, or energy efficiency should go at the top. Then, think about what tasks will have the most impact on your lifestyle, and which practically need to be completed before others can follow. As you plan out your home improvements, you can make a list of which projects are DIY and which you will need to hire a professional for.

While it can be tempting to rush into cosmetic repairs, they usually aren’t where you want to start. Making a space pretty can hide serious repairs that need to be addressed. This often leads to wasted time and money.

16. Establish Financial Planning for Homeownership

Now that you own a home, your finances need to adjust right along with your lifestyle. You should already have a plan to set aside 2-3% of your home’s value for repairs. Next, review your monthly budget to factor in recurring costs like higher utility bills, homeowners insurance, and possibly HOA dues or property tax escrow adjustments. Many first-time buyers underestimate these shifts, so give yourself a cushion during the first year.

If you work from home, talk to a tax advisor about potential home office deductions. And as tax season approaches, look into homeowner-related deductions you may now qualify for, such as mortgage interest, property taxes, or energy-efficient upgrades.

Finally, take time to plan for property tax payments and potential increases in assessed value, especially in growing markets. Knowing when payments are due and budgeting accordingly prevents costly surprises down the line.

What Not to Do in Your First Month

Your first few weeks as a homeowner are full of excitement and big decisions. But just as important as knowing what to do is knowing what to avoid.

Don’t Rush Major Changes

It’s tempting to start knocking down walls or ripping out tile right away, but resist the urge. Give yourself 3–6 months to live in the home before committing to big renovations. Living in the home reveals quirks or lifestyle needs that might influence your plans, like how natural light moves through rooms, which spaces you actually spend time in, or unexpected storage needs. Acting too quickly can lead to costly regrets and work that doesn’t align with your lifestyle.

Don’t Neglect Critical Maintenance

Trying to save money by putting off inspections or small repairs often leads to much bigger expenses later. Stick to your maintenance calendar, and hire professionals for anything involving electrical, plumbing, or structural systems. DIY is great for painting or decor, but not for wiring or gas lines. If you’re unsure whether something can wait, it probably can’t.

While it might not seem glamorous, don’t skip seasonal upkeep. Cleaning gutters, sealing windows, or winterizing outdoor systems may seem small, but they make a big difference in long-term performance and cost savings.

Don’t Forget Proper Documentation

Homeownership requires maintenance. You want to keep track of upgrades and how money is spent. This includes filing away receipts, manuals, warranties, and records. It can be helpful to photograph any improvements or changes you make to the home. You’ll need them if you ever file an insurance claim, apply for a home warranty, or sell your home in the future.

Most importantly, don’t skip the documentation step we mentioned earlier: capturing the move-in condition of your home. It’s one of the easiest things to overlook, and one of the most valuable in the long run.

Budget Planning: What to Expect in Your First Year

New homeowners are often surprised by how quickly the costs add up after closing, but the key to staying ahead is to plan for them.

Immediate First-Month Costs

The first 30 days of homeownership tend to come with a flurry of must-do expenses. These are the essentials that help you settle in safely and comfortably:

• Lock changes and security updates: $200–$600
• Utility setup and deposits: $300–$800
• Professional deep cleaning: $300–$600
• Emergency preparedness supplies: $200–$400
• Minor repairs and improvements: $500–$1,500

While these costs are largely unavoidable, planning for them before closing can make them less stressful.

Ongoing Monthly Adjustments

After you move in, you’ll notice your monthly budget looks a little different from what it was as a renter. Here are some expenses you’ll need to factor into your new budget:

• Higher utility bills, especially if you’ve moved from an apartment into a larger or older home
• Maintenance savings contributions (aim for 2–3% of home value annually, spread monthly)
• HOA fees, if applicable
• Homeowners insurance premiums
• Property taxes, which often change after your first year based on reassessment

If you don’t plan for these changes in your monthly expenses, they will significantly impact your cash flow over time. Be realistic, and ideally over-estimate how much you will be spending on these costs.

Annual Expense Planning

While your monthly expenses will be higher, there will also be new annual expenses. You want to make sure that your home is well-maintained so that it’s comfortable for many years. While these may not be required for every home, or every year, they should be anticipated. Here’s what to factor into your yearly planning:

• HVAC maintenance: $200–$400 per year
• Landscaping and lawn care: $1,000–$3,000 annually, depending on size and services
• Pest control and professional cleaning services: $600–$1,500 per year
• Home improvements and upgrades: $2,000–$8,000+, depending on scope
• Emergency repair fund: $1,000–$5,000 in reserves recommended

Even if you don’t use these funds every year, setting money aside consistently helps build resilience into your savings for the years that follow.

Working with FastExpert Agents for Ongoing Support

Your relationship with your real estate agent shouldn’t end at closing. It’s a long-term relationship as agents want your homeownership experience to be a success, and to earn your business when it’s time to sell. A great real estate agent continues to provide value long after you’ve moved in, helping you navigate everything from home maintenance to long-term planning.

Need a trusted contractor for an unexpected repair? Thinking about energy-efficient upgrades or prepping for a future remodel? FastExpert’s networks of local real estate agents are deeply connected in their communities. They can recommend reliable plumbers, electricians, HVAC techs, and other service pros that homeowners need in a pinch. They stay on top of local market trends, neighborhood developments, and home value changes, so

Whether you’re planning to stay put for years or already thinking ahead to your next move, maintaining a relationship with a knowledgeable local agent provides you with a valuable resource. Find a local real estate agent with FastExpert and take the stress out of what comes next.