Florida remains one of the top real estate destinations for international buyers, thanks to its year-round sunshine, tax advantages, and unbeatable lifestyle. If you’re a non-resident interested in property investment, this 2025 guide will walk you through everything you need to know to legally and efficiently purchase a home in Florida.
Why Foreign Buyers Choose to Purchase a Home in Florida
Florida offers a unique combination of benefits that make it attractive to international buyers. With no state income tax, a warm climate, and a thriving rental market, the Sunshine State consistently ranks among the best places for real estate investment. Purchasing property here is not only a lifestyle upgrade but also a strategic move for financial growth.
Can Foreigners Legally Buy Property in Florida?
Yes, foreign nationals can legally purchase a home in Florida without being U.S. citizens or residents. There are no restrictions on property ownership for non-residents. Buyers can own real estate in their personal names or through a legal entity such as a limited liability company (LLC) or a trust. This flexibility makes Florida one of the most accessible and secure real estate markets in the United States.
Step-by-Step: How to Purchase a Home in Florida
Work With a Local Expert to Purchase a Home in Florida
Your first step should be hiring a licensed real estate agent who has experience working with international buyers. At Palm Beach Estates, we assist clients from around the world by offering virtual property tours, legal coordination, and seamless remote closings. A knowledgeable agent can help you navigate the complexities of local laws, zoning regulations, and market conditions.
Set a Budget and Choose a Payment Option
Before starting your property search, determine whether you will pay in cash or seek financing through a foreign national mortgage. If you choose financing, most lenders require a 30% to 40% down payment, along with documentation such as your passport, bank statements, and proof of income. Being pre-approved strengthens your offer and makes the buying process faster.
Find the Right Property
The type of property you choose should align with your investment goals. Are you looking for a vacation home, a rental property, or a long-term residence? Your answer will help you narrow down the right neighborhoods and property types to focus on. Learn more in our related guide here: How to Buy a House in Florida: A Step-by-Step Guide for First-Time Buyers
Best Cities to Purchase a Home in Florida
Boca Raton: Coastal Elegance
Boca Raton is renowned for its upscale communities, world-class amenities, and scenic coastline. The city offers a mix of luxury condos, gated communities, and waterfront estates. Boca is ideal for foreign buyers who want to purchase a home in Florida that combines sophistication, safety, and long-term value.
Highland Beach: Oceanfront Privacy
Highland Beach is a small, exclusive town nestled between Boca Raton and Delray Beach. Known for its limited commercial development and tranquil beaches, it provides a private, retreat-like atmosphere. This town is perfect for buyers looking to escape the hustle and bustle while still enjoying access to nearby urban conveniences.
Parkland: Safe Suburban Living
Parkland is a top choice for families and professionals seeking a peaceful, suburban environment. With top-rated schools, parks, and modern homes, it offers a safe and welcoming atmosphere. Parkland is ideal if you want to purchase a home in Florida that offers community charm and long-term family appeal.
Making an Offer and Signing the Contract
Once you’ve selected a property, your agent will help you submit a formal offer. If the seller accepts, you will enter into a purchase agreement and submit an earnest money deposit, typically ranging from 5% to 10% of the purchase price. All documentation and payments can be handled remotely, giving foreign buyers maximum flexibility.
Final Steps Before Closing
Before closing the deal, it’s crucial to carry out due diligence. Hire a licensed home inspector to assess the property, and ensure a title search is completed to verify ownership and detect any liens. It’s also recommended to work with a real estate attorney or title company to ensure that all documents are legally sound and properly executed.
Closing on Your Property
The closing process usually takes between 30 and 60 days. You do not need to be present in person; most foreign buyers complete their purchase remotely via electronic signatures and wire transfers. Once closing is complete, the title is recorded in your name or legal entity, and you officially own a home in Florida.
Taxes and Legal Responsibilities
Foreign buyers are required to pay annual property taxes just like U.S. citizens. If you plan to rent out your property, any rental income earned must be reported to the Internal Revenue Service (IRS). Additionally, when selling your property, you may be subject to the Foreign Investment in Real Property Tax Act (FIRPTA), which requires a 15% withholding unless proper IRS documentation is submitted.
Purchase a Home in Florida: Benefits of Buying With an LLC or Trust
Many foreign investors choose to form an LLC or trust to purchase U.S. property. This can offer advantages such as asset protection, tax flexibility, and smoother estate planning. However, these structures come with setup and maintenance costs, so it is important to consult with a legal and financial advisor before deciding the best structure to use when you purchase a home in Florida.
Tips for Foreign Buyers
- Open a U.S. bank account to handle payments and ongoing property expenses
- Use a currency exchange service to reduce transaction fees
- Hire a local property manager if you will not be residing in Florida full-time
- Work with professionals fluent in your language to avoid miscommunication
Why Choose Palm Beach Estates
At Palm Beach Estates, we specialize in guiding foreign buyers through every step of the real estate journey. Our experienced team provides support in navigating local laws, securing financing, and handling closing documents. Whether you’re investing from abroad or relocating, we make it easy to purchase a home in Florida with confidence.
Ready to Purchase a Home in Florida?
If you’re considering property in cities like Boca Raton, Highland Beach, or Parkland, now is an excellent time to invest. These communities offer strong property value, lifestyle benefits, and long-term growth. Contact Palm Beach Estates today and let us help you successfully purchase a home in Florida in 2025.
Conclusion
Buying property in Florida as a foreign buyer may seem complicated, but with the right guidance, it can be a seamless and rewarding process. Florida continues to offer unmatched investment opportunities, a high quality of life, and reliable legal protection for international buyers. Whether you’re looking for a second home, a long-term residence, or a lucrative rental property, now is the perfect time to take the next step.
Call to Action
At Palm Beach Estates, we understand the needs of international clients and are committed to making your real estate journey smooth and successful. Let our expert team help you navigate every step of the process, from choosing the right location to closing the deal.
Ready to make your Florida property dream a reality? Contact us at Palm Beach Estates for expert guidance tailored to international buyers. Or call us at +1 561 3777 444 to speak directly with our experienced team and start your journey with confidence.