How to create a cohabitation agreement

Last year’s divorce data was available for the state of Kentucky was in 2015. In that year, the divorce rate was 3.7 while the marriage rate was 7.2. The rate relates to the number of occurrences for every 1,000 people.

There are numerous factors to consider during a divorce, including where each spouse will live until the divorce is final. Most couples live separately, but others cohabitate to save money. A divorcing couple living together is certainly doable, but the couple should create a cohabitation agreement that clearly lays out the terms for how each spouse is to behave.


This is arguably the most important aspect of the agreement. It should lay out how much in rent and utilities each spouse will pay. It also allows both people to create budgets, which helps spouses save money for when they eventually split.

Time in and time out

The agreement can include information about when each person will be home. This is useful if two parents want individual time with the kids, and this also prevents one parent walking in on the other and getting into an argument in front of the child.

Separate space

There is no need to draw a literal line through the house, but the couple should create some boundaries. This can include who sleeps where. It may also involve each partner having his or her own bathroom. The couple may live together, but it is still wise to create some space to avoid any ugliness.

Additional considerations

There are numerous other items that can go into one of these agreements. For example, a couple can agree not to date until the divorce is final. Even if it is not on paper, this is a good rule to follow regardless, mainly because it prevents further ill will. The divorce process can turn nasty, but as long as both people agree to be mature, living together can be a viable, fiscally-sound option.