Can a US citizen buy a house in Guam?

Yes, US citizens can buy a house in Guam on the same terms as Guam residents, since Guam is an unincorporated US territory. There are no citizenship, residency, or special permit requirements for buying property, and standard US mortgage products are available through local and mainland lenders. The catch is the market itself: limited inventory, an island supply chain, and military demand keep prices elevated. A typical three-bedroom single-family home in Yigo or Dededo runs $400,000 to $600,000, with newer builds in Tumon and waterfront properties pushing $700,000 to $1.2 million. Property taxes are low (often well below 1 percent of assessed value), but homeowner insurance carries a typhoon premium. For the full cost picture, see our Guam cost of living page.