Moving to the USA from Canada

Are you thinking of moving to the USA from Canada? Discover the best tips to bridge the gap between your plans and reality, and learn how MTFX can help you save with quick, easy money transfers to the US.

The United States holds tremendous appeal for numerous Canadians for various compelling reasons. As one of the globe's most attractive immigration hubs, it consistently captures the attention of those seeking new opportunities. For Canadians moving to the US, the transition is easier due to the close border connection and cultural familiarity.

Whether you’re relocating for a job, education, retirement, or family, this guide on how to move to the US from Canada covers the essential steps, including what paperwork do Canadians need to live in the US, and financial insights you need to plan your move confidently and cost-effectively.

Can a Canadian move to the US?

Yes, a Canadian can move to the US, but not without meeting specific immigration requirements. While Canadians can visit the United States easily for short stays, living there long term requires the right visa or legal status. Whether your goal is working, studying, joining a family, or relocating permanently, you must qualify under a recognized US immigration pathway rather than simply crossing the border and settling in.

In practice, how a Canadian moves to the US depends on factors such as employment, family ties, investment plans, or long-term residency goals. Some pathways allow temporary residence that can later lead to permanence, while others are strictly time-limited. Understanding which options apply to your situation is the first step in deciding whether moving to the US from Canada is realistic and sustainable for you.

How hard is it for Canadians to move to the US?

Moving to the US from Canada is often seen as straightforward, but the reality is more nuanced. While proximity and strong cross-border ties help, relocating long-term still involves planning, eligibility, and practical hurdles that vary from person to person.

• No automatic right to live or work: Canadians can visit the US easily, but long-term residence requires a valid legal basis rather than informal or open-ended stays.
   
• Perceived ease versus actual process: Although it may feel easier for Canadians to move south compared to other nationals, formal requirements and approvals still apply.
   
• Timing and personal circumstances matter: The difficulty of the move depends on factors such as employment, family connections, and the urgency of relocation.
   
• Preparation reduces complexity: Canadians who plan ahead financially and logistically often find the transition more manageable than those who underestimate the process.

Is it worth moving to the USA from Canada?

If you're considering moving from Canada to the USA, you're probably already aware of its vast appeal. Many Canadians have relocated south, attracted by better weather, job opportunities, and the promise of a vibrant lifestyle. Here's a more detailed overview of why joining the Canadian community in the US could be an excellent decision for you:

1. Great weather

The USA offers a wide range of climates, which makes it particularly appealing for Canadians looking to escape harsh winters. While some northern states may have weather similar to Canada, the southern regions, like Florida, Texas, and California, boast milder winters, with plenty of sunshine year-round. This allows Canadians to enjoy a more outdoor-friendly lifestyle, free from the limitations imposed by snow and freezing temperatures. Whether you love the beach, hiking, or just a warmer, more relaxed pace of life, the USA has climate options to suit every preference.

2. Diverse job opportunities and economic freedom

The US is often seen as the land of opportunity, and for good reason. The US economy offers many opportunities across sectors like technology, finance, healthcare, entertainment, and manufacturing. Canadian professionals moving to the US may find higher-paying jobs, more dynamic career growth, and access to industry-leading companies. Moreover, US employment often comes with certain tax benefits, and the entrepreneurial culture in the US is unmatched. Canadians with business ambitions may find fewer regulatory barriers and a larger consumer base, allowing them to scale their ventures quickly.

3. Cultural diversity and vibrant lifestyle

The US is known for its melting pot of cultures, making it easy for Canadians to integrate into American society. The diverse nature of American cities like New York, Los Angeles, Miami, and Chicago means you'll encounter a rich blend of ethnicities, cuisines, and traditions. The social fabric of America celebrates individuality and freedom, allowing you to explore new hobbies, arts, music, and entertainment tailored to your interests. Additionally, the sheer size and variety of the USA allow you to choose a lifestyle that fits your needs, whether you prefer the fast-paced life of a bustling metropolis or the serene beauty of rural America.

4. The appeal of the American dream

For many, moving to the US from Canada represents the opportunity to chase the “American Dream.” While the concept is complex, at its core, it represents the belief that anyone can achieve financial success and upward mobility through hard work, regardless of background. Canadians moving to the US can benefit from this mindset, whether it’s through purchasing property, starting a business, or landing a stable, high-paying job. The US offers strong property rights and a housing market with diverse options, from urban apartments to suburban homes, making it a prime location for Canadians wanting to invest in real estate.

5. World-class education and healthcare options

The US is home to some of the world's most prestigious universities and research institutions, offering world-class educational opportunities for children and adults alike. The variety of school systems, specialized programs, and extracurricular options ensures that students receive a well-rounded education. While healthcare in the US is more expensive than in Canada due to the lack of universal coverage, Americans have access to some of the most advanced medical treatments and facilities in the world. Canadians moving to the USA for work may have employer-sponsored healthcare plans that cover medical expenses.

6. Thriving social and networking opportunities

One of the benefits of moving to the USA from Canada is the access to broader social and professional networks. Major US cities are hubs for innovation, industry, and social movements. Canadians can attend conferences, meet industry leaders, and participate in global events that are often more accessible in the USA than in Canada. Networking opportunities abound, whether in tech, finance, entertainment, or academic circles, making it easier for Canadians to build strong connections and grow their influence in their respective fields.

7. Travel and exploration

Living in the US gives you easier access to a vast array of travel destinations, both within and outside the country. From the Grand Canyon to the beaches of Hawaii and from the historic streets of Boston to the cultural hub of New Orleans, the US is filled with incredible places to explore. Furthermore, proximity to Latin America and the Caribbean opens up more affordable and frequent travel opportunities, adding an extra layer of adventure to life in the US.

How to move to the USA from Canada permanently?

Moving to the USA from Canada on a permanent basis typically involves transitioning from a temporary legal status to long-term residency over time. There is no single route that applies to everyone, and outcomes depend on factors such as employment, education, family connections, or long-term relocation plans. For many Canadians, permanent relocation is a gradual process rather than an immediate move, often starting with a lawful reason to live in the US before exploring longer-term options.

It’s important to understand that permanently settling in the US requires planning beyond the initial move. Canadians considering this step often weigh eligibility, timelines, and long-term lifestyle implications before deciding whether a permanent move makes sense. Rather than focusing on specific applications or processes, most people benefit from understanding the broader considerations of how Canadians can establish long-term residence in the US and whether that aligns with their personal, professional, and financial goals.

H-1B visa: One of the most common US work visas for Canadian citizens in specialized fields like tech, engineering, or healthcare. It’s employer-sponsored, so you need to secure a job offer from a US employer who will sponsor your visa.

TN visa: Under the North American Free Trade Agreement (NAFTA) (now USMCA), Canadian citizens can apply for a TN visa if they have a job offer in a specific professional role (e.g., engineers, scientists, teachers). This is a quicker and less complicated process for Canadians than for other foreign nationals.

Student visa (F-1): If you want to study in the US, you can apply for an F-1 student visa. Once accepted into a US-based educational institution, you can attend classes and may also be eligible for Optional Practical Training (OPT), which allows you to work in the US for up to a year after graduation.

Family-based immigration: If you have a close family member who is a US citizen or permanent resident, they can sponsor you for a family-based immigrant visa. This could be for spouses, parents, children, or siblings, although wait times and eligibility vary based on the relationship.

Investor visa (EB-5): If you have significant capital to invest, the EB-5 visa allows you to become a US resident by investing in a US business that creates jobs. This route typically requires an investment of $1 million (or $500,000 in targeted employment areas).

Green Card Lottery: The Diversity Visa Lottery, or Green Card Lottery, is an annual program that gives individuals from certain countries a chance to apply for permanent residency. Canadians are generally eligible, though the competition can be fierce.

Permanent residency (Green Card): If you're seeking long-term residency, a Green Card can be obtained through various means, including employment, family sponsorship, or other special categories like refugees or asylum seekers.

Visitor visa (B-1/B-2): If you want to live temporarily in the US, you could apply for a B-1 (business) or B-2 (tourism) visa. However, this does not allow you to work, and it's meant for short stays.

How much does it cost to move from Canada to the US

Moving from Canada to the USA can involve various costs, including visa fees (if applicable), international money transfer fees, flights, and accommodation. In addition, the cost of living in the United States varies from state to state and includes food, transportation, entertainment, and insurance.

Your mileage will vary depending on the size of your family and the area or type of home you’re interested in living in. Creating a personalized budget with specific expenses that reflect your financial needs is a good idea.

Remember that healthcare is more expensive in the US than in Canada, so it’s important to budget accordingly. Moving to the USA from Canada may require thousands of dollars, but you can save more by avoiding unnecessary costs. For example, with MTFX, you can send money from Canada to the USA and enjoy competitive CAD to USD exchange rates and low transfer fees better than those offered by banks and other providers.

Check the currency converter below to get an idea how much it will cost you to transfer money to the US for your property purchase. 

What are the best USA states to move to as a Canadian?

The United States has 50 states, the District of Columbia, five major territories, and several minor islands, making it challenging to decide where to settle. Still, if you’re exploring the best state to move from Canada, several popular destinations stand out for their lifestyle, job opportunities, and climate. These states often attract Canadians looking to balance affordability, career growth, and quality of life in their new US home.

Florida

Moving to Florida from Canada is usually considered the best option, especially for those looking to escape harsh winters. Its year-round warm weather, particularly in the southern parts of the state, attracts many Canadian snowbirds and retirees. Florida's economy is also growing, with job opportunities in sectors like tourism, healthcare, and technology, offering both a relaxed lifestyle and potential for professional growth.

California

Moving to California from Canada is another popular choice, with its diverse climates and industries. From sunny beaches to mild mountainous regions, California offers something for everyone. It's a hub for tech, entertainment, and healthcare, especially in cities like Los Angeles and San Francisco. While the cost of living is high, the job market and cultural diversity make it an appealing state for many Canadians looking to advance their careers in the US.

Texas

For those considering moving to Texas from Canada, it stands out with its warm climate and lower cost of living compared to other major US states. Texas has a booming economy, driven by industries like energy, tech, and finance, making cities like Austin and Houston attractive for professionals. Additionally, Texas offers plenty of space and affordable housing, which is a significant draw for families and entrepreneurs.

Arizona

Arizona is well-known for its hot desert climate and is particularly appealing to Canadians seeking to avoid cold weather, hence moving to Arizona from Canada is a popular choice. It offers a laid-back lifestyle and access to stunning landscapes like the Grand Canyon. Arizona is also more affordable than states like California, making it a popular choice for retirees and those looking for a more relaxed pace of life. Hence, Arizona is the best state to move from Canada.

New York

If you're looking for a bustling metropolis with vast job opportunities, New York is a top contender. New York City is a global financial, media, and cultural center, offering job opportunities in various industries. Although the winters can be cold, the city's diverse population, rich cultural scene, and proximity to Canada make it an attractive option for Canadians, especially those moving to New York from Canada, particularly from Ontario and Quebec.

Washington

For tech professionals and those who enjoy outdoor activities, Washington State is an excellent choice. A mild coastal climate, particularly in Seattle, Washington, offers both professional opportunities, home to major companies like Amazon and Microsoft, and proximity to British Columbia, allowing Canadians to remain connected to their roots while thriving in a dynamic US city.

Nevada

Nevada offers a warm desert climate, a lower cost of living, and no state income tax, making it an attractive state for Canadians. While known for Las Vegas, it offers more than just entertainment. It has a growing economy and access to outdoor activities, making Nevada an appealing place to buy property for Canadians seeking both work and leisure opportunities.

Colorado

For those considering moving to Colorado from Canada, it is ideal for Canadians who enjoy a mix of outdoor adventure and professional growth. Known for its mountains, skiing, and year-round sunshine, Colorado also boasts a booming economy in industries like tech, aerospace, and healthcare. Denver and Boulder are particularly attractive cities for professionals and nature enthusiasts alike.

Carolina

For those looking for a balance of a mild climate, affordability, and job growth, North Carolina is a great option. The state has a growing tech industry, particularly in the Research Triangle area, along with strong healthcare and education sectors. North Carolina’s lower cost of living makes it a viable choice for families and young professionals.

Georgia

The last option in the list of the best states to move from Canada is Georgia. With its warm weather and vibrant economy, is another state worth considering. Atlanta, the state's capital, is a hub for industries like tech, film, and logistics. Georgia offers a blend of southern charm, urban opportunities, and a moderate cost of living, making it a desirable destination for Canadians seeking both personal and professional growth.

Once you choose your state and city, start planning how to convert CAD to USD. MTFX offers an easy and secure way to make large transfers, recurring transfers, and smaller payments. You can even transfer money to the US on the same day.

Additional considerations when moving to the USA as a Canadian

In addition to visa requirements for Canadians moving to the US, several things must be considered to ensure all your i’s are dotted, and t’s are crossed before moving to the USA.

Buying a home

If you plan to buy property in the USA, it’s best to work with local agents to find a prime location that suits you. The most popular types of homes include single-family homes, multi-family homes, detached homes, townhomes, and condominiums (condos). Ideally, your new home should have easy access to amenities like educational facilities, public transportation, shops, and restaurants.

The tax implications

Fortunately, Canada has a tax treaty with the USA to prevent Canadian taxation on income earned in the USA. That said, taxation laws vary from state to state, and the tax considerations for Canadian expats can be complicated. Therefore, it’s essential to consult with a qualified cross-border tax advisor and familiarize yourself with US tax laws, which may differ based on residency status.

Acclimating to the new culture

At first glance, Canada and the US are about as similar as any two countries can get. For example, the common language (English) and proximity create a shared blend of culture, vocabulary, lifestyle habits, and entertainment. However, you may still experience culture shock due to subtle differences coming from the melting pot of American culture and customs. Hence, it’s a good idea to research and prepare to ensure a smooth cultural adaptation.

Finding the right money transfer specialist

Moving from Canada to America often involves moving your money across the border into a US bank account. So, you must find a convenient money transfer service offering competitive exchange rates and low transfer fees. Whether buying a property, transferring money for mortgage payments, or investing, you save on stress, money, and time with a specialist foreign exchange service that lets you send money to the USA quickly and easily.

How to move to the USA from Canada?

Moving from Canada to the US is best approached as a structured, multi-stage process rather than a single decision. From early research and paperwork to financial planning and settling in, each step plays a role in how smoothly the transition unfolds. Below is a practical, high-level overview of the steps to move to the USA from Canada, written to help you understand the flow without getting into immigration or legal advice.

Step 1: Research life in the US and define your goals

Start by understanding what moving to the US from Canada actually looks like day to day. This includes lifestyle differences, healthcare systems, cost of living, and job markets. Many people also compare regions at this stage to identify the best state to move to from Canada based on work opportunities, taxes, climate, and long-term affordability.

Step 2: Understand the general requirements and documentation

Before relocating, it’s important to know at a high level what paperwork Canadians need to live in the US. This usually involves ensuring your passport is valid and organizing key personal, financial, and employment-related documents that may be required during the move or after arrival.

Step 3: Confirm your reason for moving and legal status

How you move to the US from Canada depends on your purpose, such as work, study, or family reasons. While this guide avoids immigration specifics, understanding the visa requirements for Canadians moving to the US at a general level helps you plan timelines, costs, and expectations realistically.

Step 4: Plan where you will live

Once your direction is clear, narrow down where you’ll be based. Housing availability, local expenses, and proximity to work or family often influence decisions when choosing the right state or city. Early research can make settling in significantly easier after arrival.

Step 5: Prepare your finances for a cross-border move

Financial planning, including careful consideration of investments, is a critical but often overlooked part of how to move to the USA from Canada. This includes budgeting for relocation costs, understanding ongoing expenses, and setting up a reliable way to move money between Canada and the US to support rent, deposits, and everyday spending.

Step 6: Finalize travel and relocation logistics

With plans in place, you can confirm accommodation, organize flights, and prepare for entry. Having documents accessible and knowing what to expect at the border helps reduce stress during the actual move.

Step 7: Settle in and adjust to life in the US

After arrival, the focus shifts to adapting. This may involve setting up utilities, getting familiar with local services, and adjusting to everyday life. For many Canadians, this stage is where the reality of living in the US becomes clearer and long-term plans start taking shape.

Documents you will need when arriving in the US

When arriving in the US, you’ll typically need the following documents:

• Valid passport with a visa (if applicable).
• Arrival/departure record, which you receive upon entry.
• Visa approval documents
• Proof of financial support, such as bank statements or sponsorship letters.
• Proof of accommodation (address where you'll be staying).
• Employment or school offer letter if entering on a work or student visa.
• Customs declaration form, which you’ll complete during the flight or upon arrival.

Financial planning when moving to the US

Financial preparation plays a major role in how smooth your move from Canada to the US ultimately feels. Beyond the logistics of relocation, cross-border moves introduce new costs, currency exposure, and budgeting considerations that are easy to underestimate. Taking time to plan ahead helps reduce uncertainty and gives you more control as you transition into life in the US.

Understanding the cost of moving from Canada to the USA

One of the first questions people ask is how much it costs to move from Canada to the USA, and the answer varies widely. Expenses can include travel, temporary accommodation, housing deposits, insurance, and everyday setup costs, all of which add up quickly when relocating internationally.

Managing currency exchange and cross-border money movement

Moving to the US often means dealing with both Canadian and US dollars at the same time. Having a clear plan for exchanging funds and transferring money across borders can help protect your budget from unfavourable rate movements and unnecessary fees during the transition period.

Planning for ongoing living expenses

The cost of living in the US can differ significantly by state and city. Housing, healthcare, transportation, and taxes should all be factored into your budget early, especially if you are comparing different regions or deciding whether a move from Canada to the US is financially sustainable long-term.

Preparing for income and payment timing gaps

Many Canadians experience a gap between moving and receiving their first US-based income. Planning for this period by setting aside sufficient funds or arranging reliable access to money from Canada can help avoid short-term cash flow issues.

Keeping financial ties to Canada organized

Even after relocating, many people maintain financial connections in Canada, such as bank accounts, investments, or ongoing obligations. Organizing these in advance supports a smoother transition and helps reduce complexity as you begin settling into the US.

How do I get the best CAD to USD exchange rate?

Getting a favourable exchange rate is crucial when converting CAD to USD and sending money abroad, as even a small difference in rates can significantly impact the total amount you receive, especially for large transfers like buying property or making business payments. By securing the best rate, you can maximize your funds and avoid excessive conversion fees. MTFX offers competitive exchange rates tailored to your needs, along with low fees and fast transfers, helping you make the most of your money when sending funds from Canada to the US. You can also set up a CAD to USD rate alert so you can be notified once the currency pair hits your desired rate

Are you transferring funds to the USA? MTFX has you covered!

MTFX helps you move your money quickly and efficiently as you relocate from Canada to the US. You get personalized support from foreign exchange specialists, plus access to competitive USD/CAD rates and low, transparent fees.

This service comes with a secure, 24/7 online account that allows you to send large sums of money into your US-based account to finance your new chapter in life.

Open an account today to enjoy convenient and cost-effective international money transfers from Canada to the USA before, during, and after your move.

FAQs

1. Can I move to the USA from Canada?

Yes, Canadians can work, study, and live in the US. Moving from Canada to the US can be worthwhile, offering exposure to a new culture, diverse job opportunities, and many other benefits.

2. How can a Canadian move to the USA permanently?

Moving to the USA from Canada can be done through various pathways, including work visas like the H-1B or TN for specialized jobs, student visas (F-1) for educational purposes, and family-based immigration if you have close relatives who are US citizens or permanent residents. Other options include the EB-5 investor visa for those with significant capital, the Diversity Visa Lottery for a chance at permanent residency, and the Green Card through employment or other categories.

3. How can I become a United States citizen if I live in Canada?

The first step is to obtain a green card or permanent residency. You’ll be eligible to apply for US citizenship after residing in America for a certain period.

4. How do I send money to the USA from Canada when relocating?

MTFX has all the tools to convert CAD to US dollars and transfer money to the United States for a smooth move. Your 24/7 online account allows you to skip the bank and send money anytime, anywhere, at great rates and low transfer fees.

5. How long can Canadians stay in the US without a visa?

Canadians can visit the US for up to six months without a visa, but longer stays require appropriate visas. Consulting an immigration lawyer can help you handle the process.

6. How do I apply for a US work visa as a Canadian?

You must apply through your employer, gather the required documents, and attend an interview at the US Embassy or Consulate.

7. What taxes will I have to pay if I move from Canada to the US?

You may be subject to both US federal taxes and state taxes, depending on where you live and work, as well as Canadian tax obligations until residency is changed.

8. Can I bring my belongings when moving to the US?

Yes, but you must declare your belongings and any pets to US Customs, and some items may be subject to duties or restrictions.

9. What do I need to know about driving in the US as a Canadian?

You can drive with your Canadian license temporarily, but long-term residents may need to apply for a US driver’s license, depending on state laws.

10. Can I open a US bank account as a Canadian resident?

Yes, Canadians can open a US bank account, often needing identification, proof of US address, and immigration documents.

11. What are the benefits of living in the USA vs Canada?

For Canadians, the United States offers an exciting mix of career opportunities, lifestyle variety, and cultural diversity. With one of the world’s largest economies, lower tax rates in many states, and thriving industries like tech, entertainment, and healthcare, it’s a place where ambitious professionals can excel.

12. How hard is it to move from Canada to the US permanently?

It's not easy, but it can be straightforward if you meet the requirements. Most Canadians move through work visas, family sponsorship, or investment programs, such as investments in US businesses, then apply for a green card. Timelines and paperwork vary, so planning ahead and getting professional immigration advice helps make the process smoother.

13. How to move from Canada to the US without a job?

You can move from Canada to the US without a job by applying for visas that don’t require employer sponsorship, such as family-based green cards, student visas, or investor visas. It’s important to research eligibility criteria, prepare the right documentation, and ensure financial stability during your transition.

14. What should be on my moving to the US from Canada checklist?

Your moving to the US from Canada checklist should include visa or immigration paperwork, housing arrangements, health insurance, tax planning, and a strategy for currency exchange and money transfers, all while considering how a Canadian can move to the US. Partnering with MTFX can help you handle cross-border payments efficiently and save on transfer fees.

15. What is the first step for a Canadian moving to the United States?

The first step is understanding your reason for moving and whether it supports a long-term stay in the US. Canadians typically begin by researching lifestyle differences, costs, and general entry requirements before planning finances, housing, and timelines. Clarifying your goals early helps avoid unnecessary delays or unexpected expenses later.

16. What visa categories are available for Canadians moving to the US?

Canadians moving to the US may explore several broad categories depending on their situation, including work-related options, study-based stays, family sponsorship, and investment-related pathways. Each category has different eligibility criteria and timelines, so most people start by understanding the general landscape before deciding which direction aligns with their long-term plans.

17 . How can I choose the best US state to live in?

Choosing where to live often depends on factors such as employment opportunities, cost of living, state taxes, climate, and lifestyle preferences. Some Canadians prioritize affordability and lower taxes, while others focus on career growth or proximity to family. Comparing states early helps determine whether a move to the US is financially and practically sustainable.

18. What financial steps should I take before moving to the US?

Before relocating, Canadians often prepare by budgeting for relocation costs, planning for currency exchange, and ensuring they can move money efficiently between Canada and the US. Setting up reliable cross-border payment solutions and understanding ongoing expenses can help reduce financial stress during the transition.

19. Is it worth moving to the USA from Canada?

Whether it’s worth moving to the USA from Canada depends on individual priorities. Some Canadians are drawn by career opportunities, income potential, or lifestyle changes, while others weigh factors like healthcare costs, taxes, and long-term stability. Evaluating both the benefits and trade-offs helps determine if the move aligns with your personal and financial goals.

20. What are the challenges Canadians face when moving to the US?

Common challenges include navigating legal requirements, managing cross-border finances, adjusting to healthcare systems, and handling higher upfront living costs in certain regions. Cultural differences and administrative tasks can also take time to adjust to, making preparation and realistic expectations essential for a smoother move.

Open an account today to enjoy convenient and cost-effective international money transfers from Canada to the USA before, during, and after your move.