Tax guide
USPS change-of-address checklist (and when to file IRS Form 8822)
USPS forwarding and IRS address updates solve different problems. Use this checklist to avoid address gaps after a move, especially if you are expecting tax notices or deadline-sensitive mail.
Published Feb 18, 2026 • Updated Mar 2, 2026
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Key takeaways
- USPS Change-of-Address (COA) forwards eligible mail for a limited period.
- Online COA includes a USPS identity verification fee.
- USPS forwarding does not automatically update IRS records.
- IRS updates can take several weeks, so file Form 8822 early when needed.
Step 1: Set your USPS forwarding plan
Before your move:
- Pick your forwarding start date.
- Choose online or in-person filing.
- Keep confirmation details for your records.
USPS says you can submit a COA request up to 90 days before moving and up to 30 days after.
Step 2: File USPS Change-of-Address
Choose one route:
- Online COA through USPS (includes an identity verification charge, currently $1.25).
- In-person COA at a Post Office using PS Form 3575.
If filing online, use official USPS pages to avoid lookalike scam sites.
Step 3: Update IRS records separately when needed
Use IRS forms when tax correspondence should go to your new address:
Form 8822 for many individual address updates.
Form 8822-B for business address or responsible party changes.
Step 4: Plan around processing windows
- USPS says forwarding can begin in about 7 to 10 postal business days from your requested start date.
- IRS says address updates can take around 4 to 6 weeks.
If you are near a tax deadline, submit IRS address updates as early as possible.
Step 5: Update institutions USPS forwarding will not fully cover
In addition to USPS and IRS, update major records directly:
- DMV and voter registration (where required)
- Banks and card issuers
- Employers/payroll providers
- Insurance carriers
- Investment and retirement account providers
- Healthcare providers and benefit administrators
Common mistakes
- Filing USPS COA and assuming every agency updates automatically.
- Waiting until after a tax notice deadline to send Form 8822.
- Using outdated IRS mailing addresses.
- Not keeping mailing proof for forms with hard deadlines.
Sources
FAQs
- If I file USPS COA, do I still file Form 8822?
- Often yes, when IRS correspondence should reflect your new address.
- How much does online USPS COA cost?
- USPS currently lists a $1.25 online identity verification fee.
- Can I file COA after I move?
- Yes. USPS indicates requests can be submitted up to 30 days after moving.
- How long do IRS address changes take?
- IRS guidance indicates around 4 to 6 weeks.
Ready to send it?
If your IRS address needs updating, complete the right form and mail with tracking so timing is documented.