Can I Buy a House in France as an American?

The short answer? Yes, absolutely! There are no restrictions on foreigners — including Americans — buying property in France. In fact, many Americans have been drawn to France for its lifestyle, culture, and (compared to some U.S. markets) affordable real estate. But while buying is possible, there are a few things to know before you start house hunting.

No Visa Needed to Buy

You don’t need a visa or residency status to purchase a home in France. You can buy a holiday home, an investment property, or even a future retirement escape without being a French resident. However, owning property doesn’t give you the automatic right to live in France full time — that’s a separate process requiring a long-stay visa or residency permit.

The Buying Process

The process is fairly straightforward, but it’s different from what you might be used to in the U.S. Once you’ve found a property, you’ll sign a preliminary contract (compromis de vente), which is legally binding after a short cooling-off period. A notaire (a type of public lawyer) handles the legal side of the sale, ensuring all paperwork is in order.

The full process usually takes 2–3 months, and you’ll need to budget for around 7–8% in fees on top of the purchase price, including notaire fees and taxes.

Financing Your French Home

Many Americans choose to buy in cash, especially for lower-priced rural properties. However, French banks can offer mortgages to non-residents, though the criteria may be stricter. You’ll typically need a sizable deposit (20–30%) and proof of income. Some buyers also work with international mortgage brokers to help navigate the system.

Taxes and Ongoing Costs

As a homeowner in France, you’ll be subject to local property taxes — taxe foncière and possibly taxe d'habitation(depending on how the home is used). These are generally lower than in many U.S. areas but vary by region.

If you plan to rent out your property, you’ll also need to consider income tax obligations in both France and the U.S. (thanks to the tax treaty between the two countries).

Final Thoughts

Buying a home in France as an American is entirely possible and can be the first step toward a dream lifestyle abroad. Just make sure you understand the legal and financial aspects — and consider working with bilingual professionals who can guide you through the process.