Key Takeaways:
➡️ Mexicans can buy a house in the US without any restrictions.
➡️ Mortgage options are available for Mexicans even without a US credit history or SSN, making homeownership more accessible.
➡️ Mexicans generally prefer buying homes in Texas, California, Arizona, Illinois, and Florida.
Table of Contents
“El sueño americano” (The American Dream) is not just a phrase—it’s a reality for many Mexican citizens who invest in the US real estate market.
Buying a house in the US offers more than just financial returns; it’s about finding stability, building wealth, and creating a future in a land of opportunities.
In 2024, Mexican buyers contributed over $2.8 billion to the US real estate market, making them the third-largest group of foreign investors. This growing trend reflects a desire for financial security, a stable economy, and a place to call home in a trusted market.
If you’ve ever wondered how you, too, can take this step, this guide is here to make the process clear and accessible.
Can Mexican Citizens Buy a House in the US
Yes, Mexican citizens can buy a house in the US without any restrictions. The US real estate market is open and welcoming to foreign buyers, offering a straightforward process and clear regulations.
As a Mexican national, you enjoy the same property rights as US citizens, making it easy to purchase property for personal use, vacation, or investment.
A significant advantage of the US real estate market is the availability of financing options for foreign nationals. HomeAbroad Loans offers tailored mortgage options for international investors, including Mexican nationals, even those without a US credit history.
Now you know you can easily buy a house in the US, let’s look at the key reasons that make the US an ideal destination for your next home—whether for personal use or as a smart investment.
Why Should Mexicans Invest in US Real Estate?
For many Mexicans, investing in US real estate is about more than just acquiring property—it represents a way to build a secure financial future, diversify investments, and strengthen ties with a neighboring country that offers both opportunity and stability.
Let’s see the five compelling reasons why Mexican nationals are increasingly turning to the US real estate market.
| Average rental yield in the US is 8% – 10% and rising | US Real Estate Investment | Mexican Real Estate Investment |
| Return on Investment | Dollar-based, reducing exposure to peso devaluation | Variable, depends on location, often less predictable returns |
| Currency Concerns | Exposed to potential peso weakening, reducing the value of return | Expand Portfolio into a stable international market |
| Economic & Political Stability | High and stable growth | Moderate, subject to domestic volatility and political risk |
| Market Diversification | More regulatory uncertainty under the new administration | Limited to domestic economic condition |
| Regulatory Environment | Stable with clear foreign investment laws | More regulatory uncertainty under new administration |
1. Attractive Return on Investment: 8% – 10% Rental Yields and High Appreciation
Investing in US real estate offers Mexican investors the potential for strong returns, with average rental yields ranging from 8% to 10% and robust property appreciation over time. This combination makes the US a prime choice for those looking to grow their wealth and secure reliable income streams.
Several cities in states popular among Mexican investors, such as Texas, California, and Arizona, exemplify the market’s strength.
Here’s how some of the top-performing cities fare:
| City, State | Rental Yield (%) | 5 Year Property Appreciation |
| Dallas, Texas | 8% | 48% |
| Stockton, California | 8% | 62% |
| Lake City, Florida | 10% | 33% |
| Ottawa, Illinois | 10% | 28% |
| Prescott Valley, Arizona | 10% | 51% |
These numbers highlight why US real estate outshines domestic investments in Mexico, where rental yields average 5% and property appreciation typically lags at 15% over five years.
2. Dollar-Based Investment: Protecting Wealth from Peso Depreciation
For many Mexican investors, the peso’s depreciation poses a serious risk to preserving wealth. Currency fluctuations and economic challenges in Mexico can significantly reduce the value of local real estate investments.
By investing in US real estate, Mexicans gain access to the stability of the US dollar, a globally trusted currency. This not only protects their “patrimonio” (family wealth) from devaluation but also ensures consistent returns through an average rental yield of 8%.
Dollar-based investments provide Mexican investors with a financial safe haven, allowing them to grow their wealth securely while mitigating risks tied to the peso.
3. High Economic and Political Stability in the US
Mexico’s economy, while dynamic, has experienced periods of instability that have directly impacted its real estate market.
Fluctuating policies, unpredictable market conditions, and economic volatility often lead to inconsistent rental yields and property appreciation, making it challenging for Mexican investors to forecast returns confidently.
In contrast, the US offers a steady and reliable environment for investment. With its strong economic growth and stable political framework, the US real estate market provides a level of predictability that is highly appealing to Mexican investors.
Unlike Mexico, where housing policies frequently shift, the US maintains transparent and consistent property laws, ensuring a secure foundation for long-term investments.
4. Market Diversification Through Investment in Stable International Market
For Mexican investors, diversifying into US real estate is not just about expanding a portfolio—it’s about creating resilience against domestic economic uncertainties.
While Mexico offers growth opportunities, these are often influenced by local market volatility. By investing in the US, Mexicans tap into a global powerhouse known for its stability, transparency, and consistent returns.
5. Regulatory Environment that Protects Foreign Investors
The US offers a stable and investor-friendly regulatory environment, with well-defined property laws that grant foreign buyers the same ownership rights as US citizens. This transparency ensures that Mexican investors can navigate transactions confidently and protect their assets.
Additionally, the US-Mexico Tax Treaty prevents double taxation, simplifying tax obligations and enhancing the appeal of US real estate as a long-term investment.
With these protections in place, Mexican buyers can explore tailored mortgage solutions, like HomeAbroad’s, to streamline their property purchase and secure their financial future.
Top US Cities Where Mexicans Buy a House
Mexican investors gravitate toward specific US cities that offer a blend of financial opportunity and cultural familiarity.
Factors like property appreciation, rental yields, and the presence of strong Mexican communities guide their choices, making some states particularly appealing.
Here’s a quick snapshot of where Mexican homebuyers are making their mark:
| State | % of Mexican Homebuyers | City Example | 5-Year Appreciation (%) |
| Texas | 42% | Houston | 40% |
| California | 15% | Los Angeles | 48% |
| Illinois | 7% | Chicago | 40% |
| Arizona | 6% | Phoenix | 59% |
| Florida | 5% | Miami | 70% |
Why These Cities Stand Out
- Texas: With nearly half of all Mexican homebuyers choosing Texas, the state’s affordability and cultural proximity make it the top destination. Cities like Houston offer a sense of home with thriving Mexican communities.
- California: High appreciation rates in cities like Los Angeles attract investors seeking long-term growth, while its deep cultural ties add to the appeal.
- Illinois and Arizona: Cities like Chicago and Phoenix balance affordability and steady growth, offering reliable opportunities for income and appreciation.
- Florida: Miami’s strong rental demand and cultural connections make it a favorite for investors focused on income generation.
For Mexicans, these cities represent more than just investment opportunities—they offer a pathway to wealth growth in a market that feels familiar yet stable. By focusing on these hotspots, Mexican buyers are finding financial success while staying connected to their roots.
Steps to Follow to Buy House in the US as a Mexican
Here’s a basic step-by-step guide to buying a house in the US as a Mexican citizen:
- Step 1: Decide the location
- Step 2: Connect with a Real Estate Agent from HomeAbroad with international expertise
- Step 3: Get a Pre-approval Letter for Mortgage Financing
- Step 4: Search for a Suitable Property
- Step 5: Make an Offer
- Step 6: Sign the Purchase Contract
- Step 8: Schedule Home Inspection
- Step 9: Start the Mortgage Process
- Step 10: Close the Deal and become a homeowner
You can get detailed information about buying a house in the US as a foreigner here.
Additionally, you can also check out our video to visually understand the homebuying process – https://youtu.be/9v8eVqn7HY8
Foreign National Mortgage Options for Mexican Homebuyers in the US
A common misconception among Mexican homebuyers is that they need a US credit history or Social Security Number (SSN) to secure a mortgage in the US. However, this isn’t the case.
Tailored solutions, such as DSCR (Debt-Service Coverage Ratio) loans, make it possible for Mexican investors to finance their US real estate purchases without relying on personal income or US credit history. DSCR loans focus on the property’s potential rental income, making them ideal for investing in income-generating properties.
In addition to DSCR loans, there are several other mortgage options available for Mexican nationals. Explore our comprehensive Foreign National Mortgage Guide to find the best solution for your needs.
Taxes and its Implications for Mexican Homebuyers in the US
Mexican investors purchasing property in the US should be aware of their tax obligations, but the US-Mexico Tax Treaty offers significant advantages by protecting against double taxation. This means taxes paid in the US on property ownership or income can be credited in Mexico, simplifying tax management.
For detailed information on these taxes and how they apply to foreign nationals, visit our comprehensive tax guide.
Conclusion
Investing in US real estate offers Mexican homebuyers the opportunity to build long-term wealth, protect their assets in a stable economy, and diversify their portfolios across international markets.
At HomeAbroad, we specialize in helping Mexican investors achieve their real estate goals. Whether you’re looking for tailored mortgage solutions, buying process guidance, or tax implications information, we’re here to make your journey seamless and stress-free.
Take the first step toward owning your dream home or investment property in the US with HomeAbroad.
FAQs
1. Do Mexicans pay taxes on US property?
Yes, Mexicans owning property in the US are liable to pay property taxes just as any other US citizen.
2. How long does it take to become a homeowner in the US?
Once you finalize the property, it can take up to 30 days to close the deal.
3. If I sell my house in the US, do I pay the taxes to the US government or the Mexican government?
According to the US-Mexico Tax treaty, if you sell your property in the US, you’ll be paying tax to the US government on the gains from the disposition. Learn more about taxes on selling property in the US here.
4. Does buying a home in US grant citizenship status to Mexicans?
Buying a house in the US does not grant citizenship status to any the Mexicans or any other foreign national.
How Does HomeAbroad Help?
"Democratizing US real estate for the world with our tailored offerings."
US Newcomer Mortgage
Foreign Investor Mortgage 
DSCR Loan
Real Estate Agent 
