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How to Buy a House with Cryptocurrency: A New Era in Real Estate

CEO Khai Intela
The world of real estate is evolving, and with the rise of cryptocurrency, a new era has dawned. Buying property with Bitcoin, Ethereum, or other cryptocurrencies is becoming increasingly popular, offering a range of advantages...

The world of real estate is evolving, and with the rise of cryptocurrency, a new era has dawned. Buying property with Bitcoin, Ethereum, or other cryptocurrencies is becoming increasingly popular, offering a range of advantages over traditional payment methods. In this article, we'll explore the benefits of purchasing real estate with cryptocurrency and provide you with practical insights on how to navigate this exciting market.

The Rise of Crypto Real Estate

As blockchain-based payments gain traction in everyday transactions, the real estate industry is taking notice. Blockchain technology is challenging the status quo, allowing for faster, more efficient property transfers and transactions. Crypto enthusiasts who have accumulated significant wealth are now investing in real estate, fueling an already hot market. The power of smart contracts enables nimble transactions, revolutionizing the industry.

Why Buy Real Estate Using Crypto?

Buying property with cryptocurrency offers many benefits Buying property with cryptocurrency offers many benefits | Image courtesy of Pacaso

There are several compelling reasons to consider purchasing a house with cryptocurrency instead of traditional payment methods:

  • Diversify Investments: Investing in real estate diversifies your portfolio and provides stability in an ever-changing market.
  • Cash Out for Retirement: If you're planning for retirement after a successful run in crypto investments, buying a house with cryptocurrency can be a straightforward way to convert your assets into a tangible asset.
  • Discounted Sale Price for Crypto Payments: Some sellers who are bullish on cryptocurrency may offer discounts for buyers using crypto to purchase real estate.
  • Faster Transactions: Blockchain technology and smart contracts streamline the real estate process, reducing wait times and eliminating the need for intermediaries.

While buying property with cryptocurrency has significant advantages, it's important to consider potential drawbacks. Some sellers may be reluctant to accept crypto payments, and fluctuations in cryptocurrency prices can impact your buying power.

How to Buy a House or Real Estate with Cryptocurrency

Marbella Villa for sale. Cryptocurrency welcome Villas in Marbella, Spain can be bought with cryptocurrency | Image courtesy of Pacaso

If you're determined to buy property using Ethereum, Bitcoin, or other cryptocurrencies, you have several options:

Paying Your Mortgage with Crypto

BitPay Bill Pay allows you to make mortgage payments using Bitcoin and other top cryptocurrencies, regardless of whether your loan provider accepts crypto payments. You can pay from any wallet in the BitPay app or at the BitPay.com website.

BitPay Bill Pay

Buying Real Estate Directly from the Seller

The process of buying real estate with crypto directly from a private seller may vary. Some sellers might be comfortable with 100% crypto transactions, while others may prefer a mix of crypto and cash. In either case, you'll need to transfer the cryptocurrency from one wallet to another. For sellers who don't accept cryptocurrency directly, BitPay can facilitate the conversion of your crypto into dollars to complete the purchase. An email invoice will be generated by the seller, which you can pay from your preferred crypto wallet, either manually or by scanning a QR code. BitPay will then transfer the funds to the seller via direct deposit. Keep in mind that in some cases, cash payments may still need to be made to government agencies and intermediary parties.

Leverage BitPay's Real Estate Partners

In addition to private sellers, various real estate groups now accept cryptocurrency as payment. Two notable examples are:


Buy home with bitcoin using Pacaso Use cryptocurrency to co-own beach houses, mountain chalets, or city condos | Image courtesy of Pacaso

Pacaso allows you to fulfill your dream of owning a seaside villa on the Mediterranean or a ski lodge in the Rocky Mountains. With Pacaso, you can buy your new home using cryptocurrency.


Condos.com leverages BitPay to facilitate crypto real estate transactions Seen in the New York skyline, the Waldorf Astoria is one of many condos available for purchase with Bitcoin via Condos.com | Image courtesy of Condos.com

Condos.com offers the opportunity to buy condos directly from builders in top cities using cryptocurrency. With no middlemen involved, you'll have excellent options for new and pre-construction buildings in cities like Miami, New York City, and San Francisco.

Notable Crypto Real Estate Purchases

Coda building new york city The CODA building in New York City is currently being sold for Bitcoin with a listing price of $29 million | Image courtesy of Magnum Real Estate

While the full extent of crypto real estate transactions is unknown, there have been several noteworthy purchases over the years. These purchases have one thing in common: sellers who accepted cryptocurrency have benefited financially, with Bitcoin's value soaring since the transactions took place. Some notable examples include:

  • In 2014, a buyer purchased land in the Lake Tahoe area for an estimated $1.6 million.
  • In 2017, a London mansion in the Notting Hill district listed for £18 million was exclusively available for purchase with Bitcoin.
  • In 2018, BitPay facilitated the purchase of two condos in NYC's 389 East 89th Street building, with a combined value of $2.36 million.
  • Currently, the most expensive home to be sold through a cryptocurrency transaction is a magnificent penthouse in Miami, listed at $22.5 million.
  • Magnum Real Estate, a BitPay partner, is currently accepting Bitcoin for the CODA building in NYC, listed for $29 million. This is the first income-producing real estate investment opportunity offered in exchange for Bitcoin within the US.

FAQs About Buying Real Estate with Cryptocurrency

Can you use cryptocurrency to buy real estate?

Yes, you can use cryptocurrency to buy real estate property by conducting wallet-to-wallet transactions or by leveraging BitPay's crypto-to-fiat services.

What cryptocurrency can I use to buy real estate?

Bitcoin and Ethereum are the most popular cryptocurrencies used in real estate transactions. However, BitPay supports a wide range of coins, including Bitcoin (BTC), Ethereum (ETH), Bitcoin Cash (BCH), Dogecoin (DOGE), and more. BitPay is continually evaluating additional coins for inclusion, so the options may expand in the future.

What kinds of real estate properties can I buy with cryptocurrency?

You can purchase various types of real estate with cryptocurrency, including primary residences, vacation homes, investment properties, and commercial real estate.

It's an exciting time in the world of real estate, as cryptocurrency opens new doors for buyers and sellers. By understanding the benefits and process of buying real estate with cryptocurrency, you can take advantage of this emerging opportunity. So, start exploring, find your dream property, and embrace the future of real estate transactions with cryptocurrency.

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