Recently the Nihon Keizai Shimbun on-line reported the following:
米国で外国人が住宅｢爆買い｣ 膨らむ不安と不満、全米で133の規制案
(Source: Nikkei)
田中道昭さんの投稿
2025年9月9日 4:26
[会員限定記事]
外国人購入者の15%が中国人
2024年4月〜25年3月にかけてのデータを全米不動産協会（NAR）がまとめた。外国人への販売件数は4割増の7万8100戸と10年以来15年ぶりの伸び幅で、全米の中古住宅販売件数の2%を占める。米国では中古住宅が市場の中心で、新築を含めて全販売数の8割以上を占める。
外国人の購入増は価格高騰と住宅ローン金利の高止まりが続き、一般的な収入の米国人が買いにくくなったことが大きい。
7月の中古住宅価格（中央値）は42万2400ドル（約6200万円）と20年7月と比べると4割上昇した。30年物固定住宅ローン金利は3月末ごろ6.65%と、米連邦準備理事会（FRB）による利上げ開始前の21年末の3%程度と比べると2倍の水準だ。
その結果、7月の中古住宅販売件数は401万戸（季節調整済み、年率換算）とピークだった22年1月の643万戸と比べると4割程度減っている。
NARのマット・クリストファーソン氏は「ローン金利が高止まりし国内需要が低迷する中、在庫が増えて外国の富裕層にとって好機となっている」と説明する。
中国人の購入価格は全米中央値の9割増し
外国人購入者のうち、最も多いのが15%を占める中国人だ。カナダ人（14%）、メキシコ人（8%）と続く。中国人購入者は10年ほど前に一時16%（2014〜15年）まで上昇した後、新型コロナウイルス禍の21年には6%に減少したが、勢いを取り戻している。
中国の大手不動産ポータルサイト「居外（ジュワイ）IQI」の創業者兼最高経営責任者（CEO）カシーフ・アンサリ氏は「米国で家を構えることはステータスシンボル」と指摘する。
投資家向け永住権付きビザの取得や子供たちの留学用の滞在目的も多い。不動産仲介業者コンパスのスー・ミャオ氏によると、中国人の購入者は賃貸は外国人の借り手に追加の保証を求めるなど余計な手間や費用がかかるため、買った方が効率的と考えるという。
ただ、米国内では警戒感が高まっている。外国人の購入増が安全保障面での不安に加えて住宅価格上昇の一因とみられているためだ。
特に中国人による住宅購入価格（中央値）は75万9600ドルと国別購入者の中で最も高く、全米の住宅価格（調査した3月時点の中央値、40万3100ドル）を9割上回る。7割はローンを使わず現金で買っている。
NARによると、外国人が都市部で住宅を買う割合は全体の4割で前年より1割増加した。データを遡れる2010年以来過去最高だ。もともと高値で買っているところに、都市部はインフレなどを加味して転売時にさらに高額になりやすい。
全米30州で外国人の購入を規制
中華系アメリカ人の会員の多い米非営利団体Committee of 100（百人会）のまとめでは8月20日時点で外国人の不動産保有規制に関わる州レベルの法案が54件可決されている。全米50州のうち半数以上の30州が適用している。
さらに25年だけで133件の規制法案が提案されている。テキサス州では6月に州法が改正された。州知事に不動産保有の規制対象国を指定する権限がゆだねられ、9月1日に施行した。
グリーンバーグ・トラウリグ弁護士事務所によると、新しい州法では対象国出身者で米国の永住権を持っていないなど一定の条件に当てはまれば、居住目的以外の住居や商業施設の保有が禁じられるほか、1年以上の住居・商業施設の賃貸も不可能となる。適用される物件は住宅や商業施設だけでなく、農地や水源など幅広い。政府関係者だけではなく、対象国の一般市民や企業にも制限をかけられる仕組みだ。
一般的な収入の米国人が住宅を買いやすくなると歓迎する見方もある一方、特定の国や地域を指名すれば移民排斥の風潮に便乗した差別にもつながりかねない。
Translation
Foreigners' home buying spree in the US sparks growing
anxiety and dissatisfaction, with 133 proposed restrictions across the US
[Washington - Haruka Noishi] The number of existing homes purchased by foreigners in the US had surged up 40% year-on-year. As rising prices slowed American purchasing, wealthy buyers, primarily Chinese, were seeing this as an opportunity. While they only accounted for 2% of total sales, a combination of security concerns and dissatisfaction with rising prices within the US had led to growing efforts to restrict purchases through legislation.
15% of foreign buyers were Chinese
The National Association of Realtors (NAR) compiled data for
April 2024 to March 2025. Sales to foreigners increased 40% to 78,100 units,
the largest increase in 15 years since 2010, accounting for 2% of existing home
sales nationwide. In the US, existing homes dominated the market, accounting
for more than 80% of all sales, including new homes.
The increase in purchases by foreigners was largely due to rising prices and persistently high mortgage interest rates, a major factor was that it had become more difficult for Americans with average incomes to purchase them.
The median price of an existing home in July was $422,400 (approximately JPY 62 million), up 40% from July 2020. The 30-year fixed mortgage rate was 6.65% around the end of March, doubled the level of around 3% at the end of 2021, before the Federal Reserve began raising interest rates.
As a result, the number of existing home sales in July was 4.01 million (seasonally adjusted, annualized), down about 40% from the peak of 6.43 million in January 2022.
Matt Christofferson of the NAR explained that "With mortgage interest rates remaining high and domestic demand sluggish, increasing inventory is creating an opportunity for wealthy foreign buyers."
Chinese buyers' purchase prices were 90% higher than the US median
Chinese buyers made up the largest group of foreign buyers,
accounting for 15%, followed by Canadians (14%) and Mexicans (8%). Chinese
buyers' share temporarily rose to 16% (2014-2015) about a decade ago, then
dropped to 6% in 2021 amid the COVID-19 pandemic, but was now regaining
momentum.
Kaseef Ansari, founder and CEO of Juwai IQI, a major Chinese real estate portal, pointed out that "owning a home in the US is a status symbol."
Many investors were aiming at seeking permanent residency visas or to bring their children to study abroad. According to Su Miao (スー・ミャオ) of real estate brokerage Compass, Chinese buyers believed it was more efficient to buy, as renting would involve extra effort and expenses, such as requiring foreign tenants to provide additional guarantees.
However, caution was growing within the US, in addition to security concerns, the increase in foreign buyers was seen as one of the factors behind rising home prices.
In particular, the median home purchase price by Chinese buyers was $759,600, the highest among all countries, 90% higher than the national average ($403,100 as of March). Seventy percent of buyers paid cash without a mortgage.
According to the NAR, foreigners purchased homes in urban areas, accounting for 40% of all purchases, a 10% increase from the previous year. This was the highest since data began in 2010. While homes were already purchased at high prices, in urban areas, properties tended to be even more expensive when resold, taking into account factors such as inflation.
30 States Restricted Foreign Purchases
According to a summary by the Committee of 100, a U.S.
nonprofit organization with many Chinese-American members, as of August 20, 54
state-level bills restricting foreign real estate ownership had been passed.
Thirty states—more than half of the 50 states—had such bills in place.
Furthermore, 133 restrictive bills had been proposed in 2025 alone. Texas amended its state law in June. State governor was now vested with the authority to designate which countries whose real estate holdings were subject to regulation, and this came into effect on September 1st.
According to the law firm Greenberg Traurig (グリーンバーグ・トラウリグ), the new state laws would prohibit people coming from targeted countries when certain conditions matched, such as not having permanent U.S. residency etc., for them to own residential or commercial properties for purposes other than residence; they were also prohibited from renting residential or commercial properties for more than one year. The applicable properties were broad, including not only residential and commercial properties but also farmland and water sources. The system also applied to not just government officials, but also ordinary citizens and companies from targeted countries.
While some might welcome the move as it could make easier
for Americans with average incomes to buy homes, targeting specific countries
or regions could lead to discrimination that took advantage of the anti-immigration
trends.
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