How Pakistanis Can Use Zillow to Buy Property in America – Full Guide 2025
Buying a house in the United States is a long-time dream for many Pakistanis — whether for investment, future migration plans, or securing a peaceful retirement abroad. Until now, most people believed that owning property in America was only possible through agents or by visiting the US physically. However, with digital platforms like Zillow, the process has become incredibly simple. Today, Pakistanis can explore millions of verified properties from their mobile phone — without needing a visa, travel, or even a bank visit.
Zillow.com is the largest online real estate marketplace in the USA, offering listings for houses, apartments, condos, land, rental units, and even foreclosed properties. It not only shows prices but also includes details like neighborhood safety, nearby schools, crime rates, rental potential, and property tax estimates. This makes it easier for overseas Pakistanis to compare different states like Texas, Florida, New York, and California before making a buying decision.
The best part? Foreign nationals — including Pakistanis living in Pakistan — are legally allowed to buy property in America. There are no citizenship restrictions. Whether you are a businessman in Karachi, a doctor in Lahore, or a Pakistani living in Dubai or the USA, you can purchase a house in America through cash payment or even apply for a foreign national mortgage.
In this Full Guide 2025, we will explain step-by-step how Pakistanis can use Zillow to find, evaluate, and purchase property in the USA — even if you have no prior real estate experience. From required documents and payment methods to taxes and rental income calculations, every detail will be covered in easy English.
So whether your goal is to earn rental income in dollars, secure a future family home, or build long-term international assets, this guide will show you exactly how to turn your Zillow search into a successful American property purchase.
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🔹 What Is Zillow?
Zillow (www.zillow.com) is America’s biggest real estate website where you can:
- Search millions of homes, apartments, and land listings
- Filter by price, size, location, crime rate & nearby schools
- View photos, 3D tours, maps, rent estimates & neighborhood stats
- Contact verified real estate agents instantly
⚠ Zillow does not sell houses itself — it connects buyers with property owners or real estate agents.
🔹 Can Pakistanis Legally Buy Property in the USA?
✅ YES — Pakistani citizens (even without a US visa or citizenship) can buy property in America.
There are NO nationality restrictions on owning U.S. real estate.
However:
| Requirement | For Pakistan-based Buyers | For Pakistanis Living in USA |
|---|---|---|
| Visa Needed to Visit Property? | ❌ Not required (can buy remotely) | ❌ Not required for purchase |
| US Bank Account | ✅ Required | ✅ Usually already available |
| Tax Registration (ITIN) | ✅ Yes | ✅ Yes / Already have SSN |
| Mortgage Loan Access | Limited to some lenders | Easier |
🔹 What Types of Property Can Pakistanis Buy?
| Property Type | Best For | Average Price (2025) |
|---|---|---|
| Single Family Home | Permanent Residence | $250,000 – $450,000 |
| Condo / Apartment | Low Maintenance | $150,000 – $300,000 |
| Duplex / Multi-Family | Rental Income | $300,000 – $600,000 |
| Land / Plot | Long-Term Investment | $50,000 – $200,000 |
🔹 Best US Cities for Pakistanis to Invest (2025)
| City / State | Why Recommended | Average House Price |
|---|---|---|
| Houston, Texas | Low tax, large Pakistani community | $320,000 |
| Dallas, Texas | High rental income | $350,000 |
| Orlando, Florida | Tourism & Airbnb income | $300,000 |
| Atlanta, Georgia | Affordable investment | $280,000 |
| New Jersey | Near NYC, Pakistani families | $450,000 |
Step-by-Step: How Pakistanis Can Buy Property in the USA Through Zillow
Buying a house through Zillow is surprisingly simple — even if you are sitting in Pakistan. Here’s the complete process broken down into easy steps:
🟢 Step 1: Open Zillow.com and Search for Your Desired City
- Go to www.zillow.com
- In the search bar, type “Homes for Sale in Houston, Texas” or any city you prefer
- Apply filters like Price Range, Property Type (House/Condo), Bedrooms, Lot Size, Year Built, etc.
✅ Pro Tip: Also check the “Rent Zestimate” — it shows estimated rental income if you plan to rent the house.
🟢 Step 2: Shortlist Properties and Analyze Costs
Open 5–10 listings and check:
| Detail to Check | Why Important |
|---|---|
| Price & HOA Fees | Monthly building/society charges |
| Property Tax Estimate | Annual cost of ownership |
| Crime, School & Neighborhood Ratings | Indicates safety & future value |
| Year Built & Listing History | Older houses may need repairs |
🟢 Step 3: Contact the Real Estate Agent via Zillow
Every property listing has a “Contact Agent” button.
Send a message like:
“Hello, I am a Pakistani overseas investor interested in this property. Can you assist with remote purchase and closing?”
Most agents are experienced in foreign buyers and will guide you through the next steps.
🟢 Step 4: Hire a Real Estate Attorney or Title Company
To avoid fraud and handle paperwork, you must involve:
✔ Real Estate Attorney — handles legal verification
✔ Title Company — ensures you are the rightful owner after purchase
They can send all documents via email or DocuSign (digital contract signing platform).
🟢 Step 5: Open a US Bank Account / Escrow Account
For payment, you can either:
- Visit a US Bank branch abroad (like Citibank, Standard Chartered Global)
- Use Wise / Payoneer / International Wire Transfer
- Ask your lawyer to set up an Escrow Account (secure third-party holding account)
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🟢 Step 6: Finalize Payment (Cash or Mortgage Loan)
| Buyer Type | Payment Method | Approval Difficulty |
|---|---|---|
| Pakistani Living in Pakistan | Cash Purchase | ✅ Easy |
| Pakistani with US Visa / Green Card | Bank Mortgage | ✅ Easier |
| Pakistani Resident Abroad (UAE / UK / KSA) | Foreign National Mortgage | ⚠ Approval depends on bank |
🔹 Can Pakistanis Get a Mortgage (Loan) in USA?
YES — but not from all banks. Foreigners usually get:
| Loan Type | Interest Rate | Down Payment | Approval Chance |
|---|---|---|---|
| Foreign National Mortgage | 7% – 9% | 30% – 40% | Medium |
| Cash Purchase (No Loan) | 0% | 100% | Guaranteed |
If you already live in the USA on H1B, L1, Green Card or citizenship, you can get:
✔ FHA Loan (3.5% Down Payment)
✔ Conventional Loan (5% – 20% Down)
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🔹 Annual Property Costs (Important!)
| Expense Type | Amount (Approx.) |
|---|---|
| Property Tax | 1% – 2% of house value yearly |
| Home Insurance | $1,000 – $2,500 per year |
| Maintenance | $1,500 – $3,000 yearly |
🔹 Rental Income & ROI Example (Houston, Texas)
| House Price | Rent Per Month | Yearly Rent | ROI |
|---|---|---|---|
| $300,000 | $2,200 | $26,400 | 8.8% |
| $450,000 | $3,200 | $38,400 | 8.5% |
🔹 Pros & Cons of Buying in USA as a Pakistani 2025:
| Pros ✅ | Cons ❌ |
|---|---|
| Strong rental income | High property taxes |
| Value increases yearly | Mortgage harder for foreigners |
| No residency needed | Must handle remote management |
🔹 FAQs How Pakistanis Can Use Zillow to Buy Property in America:
1. Can I buy property in the USA without visiting?
✔ Yes. Entire process can be done online via Zillow + lawyer + bank transfer.
2. Will buying property give me a US visa or citizenship?
❌ No direct visa — but investment record can support future visa applications.
3. Do I need a US company to buy?
❌ Not necessary — but some investors use LLC for tax benefits.
4. Can I give my house to my children later?
✔ Yes, US allows foreign inheritance transfer.
5. Can I buy on installment from Zillow?
❌ No — Zillow does not offer installment plans, but banks do.
6. Is Airbnb allowed?
Depends on city rules — Florida & Texas allow it mostly.
7. Can I sell later easily?
✔ Yes — Zillow also helps with reselling your property.
🔹 Final Conclusion
Buying property in the USA through Zillow is 100% possible for Pakistanis, regardless of whether you live in Pakistan or already in America. The key is to understand the legal and financial requirements before making a move. Pakistani citizens are allowed to own real estate in the United States even without a visa or residency, as U.S. property laws are open to foreign investors. This means you do not need a Green Card, Social Security Number, or even physical presence to complete a purchase. All you need is valid identification, proof of funds, and the willingness to follow a structured buying process.
The second key factor is choosing the right team to support your purchase. Zillow only helps you discover properties, but the actual transaction is handled by licensed real estate agents, attorneys, and title companies. Once you shortlist properties, you can directly message agents through Zillow, request virtual tours, and even negotiate prices remotely. A legal representative can verify ownership records, prepare contracts, and manage safe payment transfers through an escrow account, ensuring you are fully protected even when buying from Pakistan.
Finally, you must decide how you plan to finance your purchase. Many overseas Pakistanis prefer paying cash to avoid paperwork, while those already in the U.S. can apply for mortgage loans with low down payments. After ownership transfer, you can either live in the property, keep it as a holiday home, or rent it out for monthly income in dollars. With the right planning and reliable contacts, Zillow becomes a powerful tool not just for browsing American homes — but for actually owning one.
