To purchase a home without transferring household registration in the United States, buyers must first research local laws, as requirements vary by state. Most states allow non-citizens or residents to buy property without changing their legal address. Key steps include securing pre-approval from a lender, identifying a property that meets legal criteria, negotiating terms, and completing the transaction through a title company. Some states, like Texas and Florida, explicitly permit non-residents to own property without registration changes, while others, such as New York, may require proof of intent to reside.

The ability to buy a house without transferring household registration stems from federal and state property ownership laws. The U.S. government does not restrict property purchases based on residential registration, though local jurisdictions may impose additional requirements. For example, 64% of states allow non-residents to purchase property without altering their legal address, according to the National Association of Realtors (2022). This policy encourages investment and supports the real estate market, as foreign and out-of-state buyers contribute $234 billion annually to U.S. residential markets (Federal Housing Finance Agency, 2021). However, buyers must ensure compliance with local tax laws, such as property taxes or transfer fees, which may differ from state to state. In states like California, non-residents must pay 1.8% of the sale price as a transfer tax, while Texas imposes no such fee. By understanding these nuances, buyers can navigate the process efficiently while avoiding unintended legal or financial obligations.