How Long Must You Live in a Home Before It's Not "Vacant"? Typically 180 Days

Definitions vary by jurisdiction, insurer, and purpose (tax, insurance, code enforcement). A common benchmark:

• Occupied: Resided in ≥180 consecutive days per year.
• Vacant/Unoccupied: Absent >180 days without intent to return.

Exceptions: Military deployment, medical care, seasonal use (with furnishings/utilities active), temporary work assignment. Courts consider intent, furniture, utility usage, mail forwarding.

If uncertain, consult a real estate attorney or property manager—misclassification can void insurance or trigger tax penalties.