{"id":104419,"date":"2025-08-05T15:15:33","date_gmt":"2025-08-05T22:15:33","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=104419"},"modified":"2025-08-05T15:15:33","modified_gmt":"2025-08-05T22:15:33","slug":"buying-house-by-yourself","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/buying-house-by-yourself\/","title":{"rendered":"Single Person House: How to Buy a Home by Yourself"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Many people reach a point in their lives when they\u2019re ready to settle down and buy a home. You may be tired of renting and ready to put that money toward a mortgage payment. But there\u2019s one issue \u2014 you\u2019re buying the house on your own.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Of course, there\u2019s nothing wrong with a single person buying a house. If you\u2019re ready to take the next step toward homeownership, you don\u2019t need to wait for a partner or have one at all. A home is a good investment, no matter your relationship status.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But there\u2019s also no denying that it\u2019s easier to qualify for a mortgage with two incomes. This article will explain how to purchase a single-person house and some <\/span><a href=\"https:\/\/www.rockethomes.com\/blog\/home-buying\/first-time-home-buyer-tips\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">tips for getting the best deal<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-104500\" src=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/08\/shutterstock_1562026867-scaled.jpg\" alt=\"Single person house\" width=\"2560\" height=\"1552\" srcset=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/08\/shutterstock_1562026867-scaled.jpg 1979w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/08\/shutterstock_1562026867-300x182.jpg 300w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/08\/shutterstock_1562026867-1024x621.jpg 1024w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/08\/shutterstock_1562026867-768x465.jpg 768w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/08\/shutterstock_1562026867-1536x931.jpg 1536w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/08\/shutterstock_1562026867-2048x1241.jpg 1980w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/08\/shutterstock_1562026867-247x150.jpg 247w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/08\/shutterstock_1562026867-1039x630.jpg 1039w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/08\/shutterstock_1562026867-495x300.jpg 495w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">Should a single person buy a house?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">And if you\u2019re reading this article, you may be wondering, \u201cCan a single person buy a house?\u201d The answer to that question is definitely yes \u2014 if you can afford the mortgage payments, there\u2019s no reason why you shouldn\u2019t <\/span><a href=\"https:\/\/www.rockethomes.com\/blog\/home-buying\/buying-a-house\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">buy a house<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It may be more challenging to purchase a home on a single income, but it\u2019s definitely doable. In fact, according to data from the U.S. census, in 2021, 28% of the U.S. was made up of single-person households.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">The pros and cons of buying a house as a single purchaser<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As with any decision in life, there are pros and cons to buying a house as a single homebuyer. Let\u2019s look at a few things you should consider before making the leap.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Benefits of buying a house alone<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Here are some of the biggest benefits of buying a house alone:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>You get to call the shots: <\/b><span style=\"font-weight: 400;\">Ever watched those couples arguing on HGTV about how to renovate their home? When you buy a house with a partner, there are certain compromises you have to make. But as a single home buyer, you don\u2019t have a partner to compromise with. This means you can get the exact home you want, assuming it fits within your price range.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>A financially sound move:<\/b><span style=\"font-weight: 400;\"> Buying a home is a financially savvy move for any household. If you\u2019ve been putting off homeownership because you aren\u2019t in a relationship, this could be a mistake. You\u2019re missing out on the opportunity to build equity in your home and create a secure financial future for yourself. You\u2019ll never get your rent money back, but homeownership gives you the opportunity to build wealth just by making your mortgage payments.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>A home is an appreciating asset:<\/b><span style=\"font-weight: 400;\"> Your home will likely continue to grow in value over the years you own it. Of course, it isn\u2019t a guarantee that your home\u2019s value will increase. But on average, homes do tend to appreciate in value.\u00a0<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Challenges of buying a house alone<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Buying a home on your own is a smart move, but that doesn\u2019t mean it\u2019s always easy. Here are some of the challenges that may come with buying a house on a single income:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>It\u2019s harder to qualify for a mortgage: <\/b><span style=\"font-weight: 400;\">Your <\/span><a href=\"https:\/\/www.rockethomes.com\/blog\/home-buying\/what-do-mortgage-lenders-look-at\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">mortgage lender<\/span><\/a><span style=\"font-weight: 400;\"> will look at your annual salary to determine how much you can afford to borrow. The higher the income, the more you\u2019ll qualify for. As a single borrower, you don\u2019t have the benefit of combining your income with a partner\u2019s income in hopes of receiving a larger mortgage.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>It\u2019s more difficult to save for a down payment:<\/b><span style=\"font-weight: 400;\"> In addition, it\u2019s easier to save for a <\/span><a href=\"https:\/\/www.rockethomes.com\/blog\/home-buying\/down-payment\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">down payment<\/span><\/a><span style=\"font-weight: 400;\"> when two people are working toward that goal. It may take you longer to save for an adequate down payment on your own.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>You may not get the exact house you want:<\/b><span style=\"font-weight: 400;\"> If you earn a low or average income, you may have a more challenging time finding a place you like within your price range. You may find a home you can afford, but you may have to compromise on certain features like the home size or location.\u00a0<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Tips for buying a home on a single income<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Homeownership isn\u2019t usually something you can just jump right into. Once you\u2019ve decided that buying a home is right for you, you\u2019ll need to do some preparation and planning before you can achieve this goal.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Making even a few small changes to your financial situation can make it easier to purchase a home on a single budget. If you\u2019re thinking about buying a home on your own, here are some steps you can take to prepare.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Have a strong credit history<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When applying for a mortgage, it\u2019s not enough to just get approved for the loan, you also want to qualify for the most favorable rates and terms. Securing a low interest rate means you\u2019ll pay less money over the life of the loan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To qualify for the best rates and terms, you\u2019ll need to have a strong credit history and a high <\/span><a href=\"https:\/\/www.rockethomes.com\/blog\/home-buying\/credit-score-to-buy-a-house\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">credit score<\/span><\/a><span style=\"font-weight: 400;\">. You can check your credit history by requesting a copy of your credit report from the three major credit bureaus &#8211; Equifax<\/span><span style=\"font-weight: 400;\">\u00ae<\/span><span style=\"font-weight: 400;\">, Experian\u2122 and TransUnion<\/span><span style=\"font-weight: 400;\">\u00ae<\/span><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">All borrowers are entitled to receive one free report per year. When reviewing your credit report, look for any inaccurate information or derogatory marks. You can contact your lender and ask them to remove any incorrect information from your credit report.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you want to find out what your credit score is, you can do this for free with Rocket Homes\u2120. You can <\/span><a href=\"https:\/\/www.rocketmoney.com\/feature\/credit-score?qls=PUB_rockethm.0000153802\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">create a new account<\/span><\/a><span style=\"font-weight: 400;\"> or simply sign in using your current Rocket Account. Lenders look for a minimum credit score of 620, but if you want to qualify for the best rates, you should aim to get your score to 740 or higher.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Consider your DTI<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Another factor your mortgage lender will consider is your debt-to-income ratio (DTI). Your DTI is the <\/span><a href=\"https:\/\/www.rockethomes.com\/blog\/home-buying\/percentage-of-income-for-mortgage\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">percentage of your monthly income that goes toward debt payments<\/span><\/a><span style=\"font-weight: 400;\">. Most lenders look for a DTI below 50%, but some lenders may require lower ratios for certain loans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If your DTI is higher than you would like, you may want to focus on paying down debt first. Not only will this make you a more attractive mortgage applicant, but it\u2019ll put you in a stronger financial situation when you do buy a home.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Save your money<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Buying a house is a lot more expensive than you might realize, which is why it\u2019s essential to focus on saving as much as possible. You\u2019ll need to make a <\/span><a href=\"https:\/\/www.rockethomes.com\/blog\/home-buying\/down-payment\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">down payment<\/span><\/a><span style=\"font-weight: 400;\"> toward the home in most cases. Some lenders will accept down payments that are lower than 20%, but that usually means you\u2019ll also have to pay for <\/span><a href=\"https:\/\/www.rockethomes.com\/blog\/home-buying\/pmi\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">private mortgage insurance (PMI)<\/span><\/a><span style=\"font-weight: 400;\"> if you\u2019re getting a conventional loan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In addition, you\u2019ll need to account for <\/span><a href=\"https:\/\/www.rockethomes.com\/blog\/home-buying\/closing-costs\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">closing costs<\/span><\/a><span style=\"font-weight: 400;\">, moving costs, property taxes, new furniture you may need to buy, and other expenses that come with buying a new home. If you\u2019re having trouble saving for a house, you may need to cut some discretionary items from your budget.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Determine what you want and what you can afford<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Before you can start thinking about what you want in a home purchase, you need to figure out <\/span><a href=\"https:\/\/www.rockethomes.com\/blog\/home-buying\/how-much-mortgage-can-i-qualify-for\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">how much house you can afford<\/span><\/a><span style=\"font-weight: 400;\">. A home affordability calculator can be a valuable tool to help you figure this out. It isn\u2019t perfect, but it can give you an idea of the <\/span><a href=\"https:\/\/www.rockethomes.com\/blog\/home-buying\/guide-to-the-most-popular-house-styles\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">types of homes<\/span><\/a><span style=\"font-weight: 400;\"> you\u2019ll be looking at when you start <\/span><a href=\"https:\/\/www.rockethomes.com\/blog\/home-buying\/what-to-look-for-when-buying-a-house\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">house hunting<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And keep in mind, when you buy a house, you\u2019re responsible for any maintenance that comes with it. If your dishwasher breaks or the AC goes out, there\u2019s no landlord to fix it for you. So be sure to budget for the cost of unexpected repairs and regular maintenance.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once you know what you can afford, you can start to think about what you want in a home. Do you prefer a <\/span><a href=\"https:\/\/www.rockethomes.com\/blog\/home-buying\/condo\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">condo<\/span><\/a><span style=\"font-weight: 400;\"> or single-family home? Do you want a big backyard or a sizable kitchen?\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Jot down some ideas about the must-have features you\u2019re looking for in a home. Taking a home buying quiz is another great way to narrow down what you want in a home. Once you begin working with a real estate agent, this will help them find houses that meet your criteria.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Get preapproved<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">And finally, you want to get <\/span><a href=\"https:\/\/www.rockethomes.com\/blog\/home-buying\/pre-approval-when-house-hunting\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">preapproved for a mortgage<\/span><\/a><span style=\"font-weight: 400;\"> before you start looking at potential houses. Getting preapproved and working with a reliable <\/span><a href=\"https:\/\/www.rockethomes.com\/blog\/home-buying\/what-you-need-to-know-about-working-with-a-real-estate-agent\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">real estate agent<\/span><\/a><span style=\"font-weight: 400;\"> will make <\/span><a href=\"https:\/\/www.rockethomes.com\/blog\/home-buying\/buying-a-house\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">the home buying process<\/span><\/a><span style=\"font-weight: 400;\"> much quicker and easier.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once you get preapproved, don\u2019t settle for the first offer you get. Make sure you shop around and compare pricing among different lenders. This will help you secure the lowest interest rate and could save you thousands of dollars over the life of the loan.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">The bottom line: A single person can buy property on their own<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Whether homeownership is right for you shouldn\u2019t be determined by your marital status. It\u2019s all about what makes sense for you financially, and the answer to that question will be different for everyone.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There\u2019s no reason to hold off on buying a home just because you\u2019re single. Buying a house on a single income may come with unique challenges, but it\u2019s worth it in the long run. Be sure to check out <\/span><a href=\"https:\/\/www.rockethomes.com\/blog\/home-buying\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">Rocket Homes Home Buyer\u2019s Guide<\/span><\/a><span style=\"font-weight: 400;\"> for more information and tips when it comes to starting your home buying journey.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Wondering if you should buy a house by yourself? Cover tips and steps in the home buying process to help you work toward homeownership.<\/p>\n","protected":false},"author":585,"featured_media":104500,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[34276],"tags":[34529,34642],"coauthors":[34682],"class_list":["post-104419","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying-a-home","tag-buying-faq","tag-mortgage"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Single person house: How to buy by yourself | Redfin<\/title>\n<meta name=\"description\" content=\"Wondering if you should buy a house by yourself? 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