How to buy a house in another state


If you’re thinking of buying a house out of state, you might feel overwhelmed at the Prospect of long-distance house hunting in an unfamiliar area. While the home-buying process may seem daunting, it doesn’t have to be. With some preparation and the right strategy, it’s possible to buy a house in another state with ease. In this blog post, we’ll cover the steps for house hunting and provide tips on how to make the home-buying process a success.

Identify the reasons why you want to buy a house in another state.

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The first step to buying a house in another state is to identify your reasons for wanting to do so.

Before you start looking for houses, set a budget and determine whether you’ll be able to afford the house of your dreams or if you need to be realistic about what you can afford. Make sure that your monthly income is enough to comfortably pay the mortgage payments, property taxes, and other expenses associated with living there.

Don’t forget about closing costs when calculating how much money you’ll need at closing; this should be included in your budgeting calculations along with utilities, furniture, moving expenses, relocation specialists, and other home necessities.

Ask yourself if this house fits into your long-term plans. Will it fit your family’s lifestyle? Would your friends think this neighborhood was safe or desirable?

Consider what it’s going to cost you in the long run.

Before you move, consider the cost of living in your New City. Your down payment and mortgage payment will be the biggest expenses, but there are other costs to consider as well. If you’re renting a house out of state rather than buying one, expect to pay rent and utilities on top of that. Maintenance and insurance can add up too.

Research different neighborhoods.

Once you’ve decided on a state, research different areas and understand what their pros and cons are. Figure out what type of home will best suit your needs. Is it a single-family house? Or maybe an apartment complex or condo? Do you need space for animals or children? Are there schools nearby? What are the other amenities—like pools, gyms, grocery stores, and playgrounds—available in that area?

Once you’ve narrowed down which kind of property suits your needs, start looking at some houses online. Click through pictures and read descriptions until one catches your eye (some may even have virtual tours). Now’s also a good time to reach out to friends who live in that area or are familiar with it; they may be able to give insight into what areas might be right for you depending on factors like budget and family size.

Get familiar with the local market, laws, taxes, and regulations.

To ensure you’re ready to buy a house in another state, get familiar with the local real estate laws, the real estate market, taxes, and regulations.

Know the real estate market. Find out what’s going on in your new region. Are prices rising or falling? What are the average home prices for various neighborhoods? What is the median income for this area? How much mortgage can you afford based on those numbers?

Know the laws. You may be moving to a different state where they have very different laws than from where you come from.

Stay on top of the housing market trends.


When you’re looking for property in another state, it’s important to stay on top of the housing market trends and use a home search service that can keep you up to date with new listings.

To do so, contact real estate agents in the area to help you determine which areas are best suited for you. Then narrow down your choices based on factors such as commute distance, school districts, and major highways nearby. You want to be able to get where you need to go without having too much trouble getting around! Once this is done, start searching online using sites like Zillow or Trulia. These websites allow users to filter by specific criteria—like the number of bedrooms or square footage.

Hire a local real estate agent who is familiar with the area.

Asking questions is the key to buying a home, so it’s important to get to know your real estate agent and make sure you feel comfortable with them. Here are some questions you should ask before deciding on an agent:

  • Do they have experience in the area you are looking in?

  • How long have they been working as a realtor?

  • Are there any complaints against them or their company?

In addition, if you see homes that look good based on pictures, but not when visiting in person, ask your agent to check out why this is happening so that it doesn’t happen again.

Hire a local mortgage lender

When attempting to purchase a home in another state, it is important to consider the various options for mortgage lenders. In most cases, it can be beneficial to hire a local lender who understands the unique mortgage requirements for that particular area. They will be able to provide insight into the type of mortgage loan you can qualify for, providing guidance on any additional paperwork or documentation needed for the mortgage pre approval process.

Furthermore, a local lender can provide further information about various conditions that can affect the size of your monthly mortgage payments, such as insurance costs and local taxes. Hiring a local lender ensures that all questions and paperwork can be answered quickly and accurately in advance of the home-buying process.

When you find a house, make an offer.

Once you’ve found a house, it’s time to make an offer. The process of putting in offers is pretty standard across states, but there are still some things to keep in mind.

First, when making an offer on a house, it’s important to remember that the asking price isn’t necessarily what the seller will accept as a Sale price. Instead, it’s more like an indication of what they hope their house will sell for—and not just because they’re hoping for more money: if someone wants $199,000 and you offer $190k instead of offering $200k or some other number slightly higher than their desired selling price (which might be within your budget), they might see your counter-offer as insulting and refuse it. So how do you figure out what makes sense?

There are two ways: first by doing some research online about comparable houses in the area; second by talking with real estate professionals who have experience with real estate transactions in this area. This could also be a real estate attorney, a mortgage broker, or even your title company. Each will have different valuable information for you.

And if neither seems particularly helpful? One thing we’d recommend is looking at recent sales data on Zillow. This might give you enough information about recent activity levels on homes similar to yours. This combined with knowledge from family members/friends who live nearby (or even actual visits!), can help point out which areas are hot right now without having any personal connection whatsoever.

Hire a local home inspector

household repair

Hiring a local home inspector when buying a property in another state is an important step in the process. A home inspection report can provide an objective and comprehensive assessment of the property’s condition that could uncover issues that may not have been detectable by just relying on photos and remote contact with the seller.

For example, they can check for structural or electrical problems, pest infestation, property lines, or other health or safety issues that could add unexpected expenses or further negotiations.

They can also provide a professional opinion on the property’s estimated value and potential to increase in value over time.

A local home inspector also understands the particular regulations and standards of best practice in the state where the property is located. Hiring one is the best way to protect your investment and get the most out of it.

Check out crime statistics and school reviews.

Before you buy a house, it’s important to do some research on the area. You should check out crime statistics and school reviews for your potential new neighborhood.

If you’re moving to a new state, this is especially important: crime statistics are available online and are fairly easy to find. You can also look up school reviews or even see how many people are moving into the area (if all their neighbors seem like they’re going out of business, that could be an indication that it’s not such a great place to live). The best places are those where you feel safe, and where your children will get a good education.

Figure out if there are transferable jobs for you at your new location.

You may be moving for a job, and that’s great! However, there’s no guarantee that the job you’re moving for will transfer with you. In fact, it’s quite possible that your new employer will not want to hire a person who is doing something else in another state.

So how can you find out if there are transferable jobs at your new location?

You can start by looking up online job listings in your target location and see if they match up with what interests you or what skillset you have. If they do match up, great! But if the jobs are all nonspecific or don’t fit with what interests or skillsets you have (or lack), then it may be time to start asking around—friends, family members, coworkers—if any of them know anyone who works remotely for companies similar to yours back home.

Learn about the climate in your new city and how it affects the air quality.

Learn about the climate in your new city and how it affects the air quality. Weather is a major factor in many aspects of life, including health and well-being, home value, job opportunities, and commuting options. Also consider whether there’s an active social scene where you live and what that lifestyle would be like if you moved elsewhere.

If a house in another state is what you want, being prepared will make the move much more enjoyable

Buying a house in another state can be exciting, but it’s also a big deal. As you begin your search, there are a few things you’ll need to keep in mind:

  • Know what you want.

  • Research the area.

  • Have a plan for how and when you’re going to move.

  • Be prepared for anything (and we mean anything).

The most important thing is to remember that this is going to be an adjustment for everyone involved—your family, your kids’ school district, and so on—so try not to stress too much about any one thing; instead, focus on having fun with it all!


If all of this sounds like a lot, that’s because it is. But if you want to live in another state and buy a house there, keep the above tips in mind and you will be well on your way. As with any major life change, it’s important to think things through carefully before you jump into anything—and don’t forget to ask lots of questions!

Kurby Team

The Kurby Content Team is a diverse group of seasoned real estate experts dedicated to providing insightful, reliable information for homebuyers, real estate investors, and real estate agents. With backgrounds ranging from real estate brokerage, property investment, and residential home buying, our team combines decades of experience with a passion for demystifying the real estate world. We at Kurby are committed to helping you make informed, successful real estate decisions. Whether you're a first-time homebuyer, a seasoned investor, or a real estate professional, count on the Kurby Content Team to deliver the most relevant, actionable real estate content you need.

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