To buy a house without paying social security insurance, prioritize purchasing a primary residence in a state without state income taxes, such as Florida or Texas. Utilize tax-advantaged accounts like the Roth IRA for down payments, and claim mortgage interest, property tax, and capital gains exclusions. Structure the purchase through a limited liability company (LLC) to reduce personal liability and shift tax burdens.

Social security taxes are automatically withheld from wages by employers, not directly tied to homeownership. However, strategic financial planning can minimize income tax liability, indirectly reducing the effective cost of homeownership. For example, deducting mortgage interest (up to $750,000) and property taxes (capped at $10,000) lowers taxable income, as shown by the IRS (2023), saving an average of $4,000 annually for median-income buyers. A Roth IRA contribution reduces taxable income while building tax-free equity. States like Florida and Texas avoid income taxes, eliminating state-level social security-like deductions. Data from the Tax Foundation (2022) notes that homeowners in no-income-tax states save 5-8% on total housing costs compared to high-tax states. Structuring purchases through LLCs can defer capital gains taxes, as the IRS permits pass-through entities to avoid double taxation (Internal Revenue Code Section 141). This approach合法ly reduces overall tax exposure without evading mandatory social security contributions, which remain enforced by federal law regardless of state residency or business structure.