Step-by-step guide

Moving from the USA to Canada

Moving from the United States to Canada, in order. Steps marked Legal are things the law requires; the rest keep the move smooth. Start with the legal must-dos. Going the other way? See Canada β†’ USA.

6+ months out

Choose your Canadian status

Legal

Check Express Entry and provincial nominee programs for permanent residence, or a work permit (CUSMA, employer-specific, PGWP after study, or spousal sponsorship).

Documents
  • Passport
  • Language test results if required
  • Educational credential assessment if required

Get cross-border tax advice

Legal

U.S. citizens keep filing U.S. returns. Ask how your 401(k), IRA and Roth will be treated in Canada and what to do before you arrive.

Documents
  • Last 2 years of U.S. returns
  • Retirement account statements

3 months out

Plan housing and a mortgage

Rent first or talk to a lender. CMHC-insured mortgages are open to permanent residents and some work-permit holders.

Documents
  • U.S. credit report
  • Reference letter from your bank

1 month out

Make your BSF186 goods list

Legal

List everything, including goods to follow. Goods must already be owned and used by you.

Documents
  • Itemized list in two parts: with you, and to follow
  • Serial numbers for electronics

Cover the health gap

If your province has a waiting period (B.C., QuΓ©bec and others), buy private coverage from your arrival date.

Documents
  • Private or travel insurance policy

Get your records

Insurance claims-history letter, driving record, pet vaccination records, kids' school and immunization records.

Documents
  • Insurance history letter
  • Driving record
  • Pet rabies certificate

First week

Bank account and phone

Open a Canadian account (you don't need a job or a deposit) and get a local number.

Documents
  • Two pieces of original ID

First 90 days

General information, not legal, tax or immigration advice. Rules change; confirm with the official source or a licensed professional. For your situation, talk to a licensed immigration lawyer or regulated consultant (RCIC in Canada) and a cross-border tax professional.
Get local help
Talk to people who've done it
Verified agents who work with cross-border movers, and locals who answer questions.

Last checked: October 2026

Moving from the USA to Canada: step by step Β· Pinned