Q: if a couple both own their own house, pay their own bills, what considers them living together?

A: The legal definition of "living together" or cohabitation varies by state and depending on the context (such as for tax purposes, government benefits, or legal proceedings). In general, factors that may be considered when determining whether a couple is living together include:

1. Time spent together: If the couple spends a significant amount of time together in one or both of their homes, it may be viewed as living together.

2. Shared responsibilities: If the couple shares household chores, groceries, or other daily living responsibilities, it can be an indication of living together.

3. Commingled finances: Sharing bank accounts, credit cards, or regularly paying for each other's expenses can be seen as a sign of cohabitation.

4. Mailing address: If the couple uses the same mailing address for important documents or bills, it may be considered a shared residence.

5. Public perception: If the couple presents themselves as living together to family, friends, or their community, it can be a factor in determining cohabitation.

6. Intention: If the couple intends to live together, even if they maintain separate homes, it can be viewed as cohabitation.

However, since the couple in your scenario maintains separate homes and bills, they may not be considered legally cohabiting, especially if they keep their finances separate and maintain separate mailing addresses. The 85% of time spent together, if split between the two homes, might not necessarily qualify as living together in a legal sense.

It's essential to consult with a local attorney familiar with family law in your state for a more accurate assessment of your specific situation, as laws and interpretations can vary widely.