Real Estate
Buying a home as an LGBTQ couple
What you need to know

For LGBTQ couples, homeownership represents more than just a financial investment — it is a statement of stability, security, and equality. However, navigating the home-buying process can present unique legal and financial challenges. Whether you are buying your first home together or upgrading to your dream house, understanding your rights, responsibilities, and potential pitfalls is essential.
Here’s what LGBTQ couples need to know when purchasing a home in 2025.
Legal Considerations: How Should You Hold Title?
One of the most crucial decisions LGBTQ+ couples face when buying a home is how to hold title, as this impacts legal rights, inheritance, and financial obligations. Here are the three main options:
- Joint Tenancy with Right of Survivorship – Both partners own the property equally, and if one passes away, the other automatically inherits full ownership.
- Tenants in Common – Each partner owns a percentage of the property (e.g., 50/50 or 70/30). If one partner dies, their share goes to their estate, instead of automatically transferring to the surviving partner.
- Sole Ownership – If only one person is on the title, they hold full legal ownership. This may be beneficial for credit or financing reasons, but it leaves the non-owner partner vulnerable.
LGBTQ+ couples should have a conversation with their gay real estate agent, and/or consult a real estate attorney to determine the best ownership structure based on their relationship and long-term goals.
Financing: Getting Approved for a Mortgage
While same-sex marriage is legally recognized in the U.S., LGBTQ+ couples still experience higher rates of mortgage denials than their heterosexual counterparts. Here’s how to strengthen your loan application:
- Check Your Credit Scores – Both applicants should review their credit reports and address any discrepancies before applying.
- Compare Lenders – Some mortgage lenders are more LGBTQ+-friendly than others. Ask for a referral from your LGBTQ+ real estate professional.
- Consider a Joint or Individual Application – If one partner has significantly better credit or a higher income, it might be beneficial to apply individually for a more favorable interest rate.
Work with an LGBTQ+-friendly lender who understands your financial needs and ensures fair treatment.
Protecting Your Property and Rights
Even if you are legally married, it may be wise to put additional protections in place to avoid potential legal or financial disputes down the road:
- Co-Ownership Agreement – If you are not married or want to clarify ownership percentages, a co-ownership agreement outlines each person’s rights and responsibilities.
- Estate Planning – LGBTQ+ couples should have a will or trust to specify what happens to the property in the event of death. Even with joint tenancy, a will can clarify intentions and prevent family disputes.
- Power of Attorney – In case of emergency, granting each other power of attorney ensures that one partner can make legal or financial decisions on behalf of the other.
Estate planning is not just for the wealthy – having legal documents in place protects your home and loved ones.
Finding an LGBTQ+-Friendly Real Estate Agent
Working with a real estate professional who understands the needs of LGBTQ+ homebuyers can make the process much smoother. Here’s how to find the right agent:
- Look for Experience – Seek agents who specialize in working with LGBTQ+ clients and have knowledge of local housing protections.
- Avoid Discrimination – While the Fair Housing Act prohibits discrimination based on sex (interpreted to include sexual orientation and gender identity), biases still exist. Choose an agent who prioritizes inclusivity and fairness.
- Use LGBTQ+ Real Estate Networks – The best way to find a trusted LGBTQ+-friendly real estate agent is through GayRealEstate.com, the Nation’s Oldest and Largest Free Database of LGBTQ+ Real Estate Agents Worldwide. Since its founding, GayRealEstate.com has helped thousands of LGBTQ+ buyers and sellers connect with agents who are not only professional and experienced, but also 100% committed to equality and inclusivity.
Using an agent from GayRealEstate.com ensures that you are working with someone who values fairness, understands LGBTQ+ housing concerns, and is dedicated to finding you the perfect home in a welcoming community.
Choosing an LGBTQ+-Friendly Neighborhood
Finding a home is about more than just the property itself – it is about the community. Consider these factors when searching for the perfect neighborhood:
- LGBTQ+ Inclusivity – Look for cities with nondiscrimination laws, pride events, and visible LGBTQ+ communities.
- Safety – Research crime rates and local laws to ensure your new neighborhood is a safe and welcoming environment.
- Community Support – Some cities have LGBTQ+ resource centers, social groups, and advocacy organizations that make settling in easier.
Tools like the Human Rights Campaign’s Municipal Equality Index rank cities based on LGBTQ+ inclusivity and protections.
Homeownership is an Empowering Step
Buying a home as an LGBTQ+ couple is a milestone worth celebrating. While challenges still exist, being informed and proactive can help you avoid pitfalls, protect your rights, and make smart financial decisions. By working with LGBTQ+-friendly professionals, understanding your legal options, and securing financial protections, you will set yourself up for long-term success and stability.
Whether you are buying your first home or upgrading to your forever house, the key is to be prepared, protected, and empowered throughout the process.
Jeff Hammerberg and Scott Helms are with GayRealEstate.com, the nation’s leading online platform connecting LGBTQ homebuyers and sellers with LGBTQ-friendly real estate agents, ensuring a safe and supportive experience. To find an agent or learn more, visit GayRealEstate.com or call 1-888-420-MOVE.
Real Estate
The best U.S. cities for LGBTQ homebuyers in 2025
Where strong equality scores, vibrant culture, attainable prices converge

Buying a home has always been a landmark of security and self-expression. For LGBTQ+ people, it can also be a powerful act of claiming space in a country where housing equality is still a work in progress. The good news? This year offers more options—and more protections—than ever. A record-breaking 130 U.S. cities now score a perfect 100 on the Human Rights Campaign’s Municipal Equality Index (MEI), meaning their local laws, services, and political leadership actively protect queer residents, reports.hrc.org. Meanwhile, national housing analysts at Zillow expect only modest price growth this year (about 2.6 percent), giving buyers a little breathing room to shop around.
Below are eight standout markets where strong equality scores, vibrant LGBTQ+ culture, and relatively attainable prices converge. Median sale prices are from March 2025 Zillow data.
1. Minneapolis–St. Paul, MN
Median sale price: $317,500
Twin Cities residents benefit from statewide nondiscrimination laws that explicitly cover sexual orientation and gender identity, a thriving queer arts scene, and dozens of neighborhood Pride celebrations beyond the mega-festival each June. Buyers also appreciate Minnesota’s down-payment assistance programs for first-time and BIPOC purchasers—many LGBTQ+ households qualify.
2. Philadelphia
Median sale price: $227,667
Philly combines East Coast culture with Mid-Atlantic affordability. “Gayborhood” anchors like Giovanni’s Room bookstore mingle with new LGBTQ-owned cafés in Fishtown and South Philly. Pennsylvania added statewide housing protections in 2024, closing the legal gaps that once worried trans and nonbinary buyers.
3. Pittsburgh
Median sale price: $221,667
Don’t let the steel-town stereotype fool you—Pittsburgh’s MEI score is 100, and its real-estate dollar stretches further than in comparable metros. Lawrenceville and Bloomfield have become hubs for queer-owned eateries and co-working spaces, while regional employers in tech and healthcare boast top Corporate Equality Index ratings.
4. Tucson, Ariz.
Median sale price: $328,333
This desert city punches above its weight in LGBTQ+ visibility thanks to the University of Arizona, a nationally ranked Pride parade, and some of the country’s most picturesque outdoor recreation. Arizona’s statewide fair-housing statute now explicitly lists gender identity, giving buyers added recourse if discrimination occurs.
5. Madison, Wisc.
Median sale price: $413,867
Madison blends progressive politics with a top-five public university and a booming tech corridor. Local lenders routinely promote inclusive marketing, and Dane County offers one of the few county-level LGBTQ+ home-ownership programs in the nation, providing up to $10,000 in forgivable assistance for low-to-moderate-income couples.
6. Atlanta
Median sale price: $359,967
The cultural capital of the Southeast delivers queer nightlife, Fortune 500 jobs, and a web of supportive nonprofits such as Lost-n-Found Youth. While Georgia lacks statewide protections, Atlanta’s 100-point MEI score covers public accommodations, contracting, and employer requirements—shielding homebuyers who choose in-town neighborhoods like Midtown or East Point.
7. St. Petersburg, Fla.
Median sale price: $354,667 Yes, Florida’s statewide politics are turbulent, but St. Pete has long held firm on LGBTQ+ equality. The city’s Pride festival draws nearly a million visitors, and local ordinances bar discrimination in housing and public services. Waterfront bungalows in Kenwood and more affordable condos near Uptown give first-time buyers options.
8. Denver
Median sale price: $563,500
Colorado passed some of the nation’s strongest gender identity housing protections in 2024, and Denver’s queer community remains one of the most visible in the Mountain West. Although prices run higher, buyers gain exceptional job growth and one of the country’s largest Gay & Lesbian Chambers of Commerce.
Smart Strategies for LGBTQ+ Buyers & Sellers
1. Build Your Dream Team Early
- Work with an equality-focused real-estate pro. The easiest way is to start at GayRealEstate.com, which has screened gay, lesbian, and allied agents in every U.S. market for more than 30 years.
- Choose inclusive lenders and inspectors. Ask whether each vendor follows HUD’s 2021 guidance interpreting the Fair Housing Act to cover sexual orientation and gender identity.
2. Know Your Rights—And Limitations
- Federal law bars housing bias, but enforcement can lag. Document everything and report issues to HUD, your state civil-rights agency, or Lambda Legal.
- In states without full protections, rely on city ordinances (check the MEI) and add explicit nondiscrimination language to your purchase contract.
3. Evaluate Neighborhood Fit
- Use local data: crime stats, school ratings, transit, and MEI scores of nearby suburbs.
- Spend time in queer-owned cafés, bars, and community centers to gauge true inclusivity.
4. For Sellers: Market With Pride—And Professionalism
- Highlight proximity to LGBTQ+ resources (community centers, Pride festivals) in your listing remarks.
- Stage neutrally but inclusively—rainbow art is great, but removing personal photos can protect privacy during showings.
The landscape for LGBTQ+ homeowners is evolving fast. By coupling inclusive laws, supportive culture, and attainable prices, cities like Minneapolis, Philadelphia, and Tucson stand out for 2025. No matter where you land, surround yourself with professionals who value every part of your identity. Start your journey at GayRealEstate.com, lean on the resources above, and claim your corner of the American dream—on your own terms, and with pride.
Scott Helms is president and owner of Gayrealestate.com.
Real Estate
Summer-ready rentals: How to prepare for the season
Inspect your A/C, upgrade the kitchen, and more

Now’s the time to get your property looking sharp for summer. In the D.C. rental market, summer is our version of the Super Bowl. Tenants are on the move, leases are flipping, and if your property isn’t ready for game time, you’re sitting on the bench while the competition scores.
Here’s how to get your rental property summer-ready, keep it competitive, and avoid the scramble once the heat (and the demand) is on.
First Impressions Count
In a walkable city like D.C., curb appeal isn’t a luxury, it’s your ticket to play. Prospective tenants don’t just scroll through listings from their couches; they walk the neighborhoods, eyeing buildings and row homes like it’s a real-life episode of House Hunters. If your property looks run-down from the sidewalk, it doesn’t matter how nice it is inside: you’ll already have lost their attention.
Start with a good power wash. Sidewalks, front steps, and that brick façade can collect a year’s worth of grime and pollen, and nothing says “we didn’t get around to it” quite like a dingy entryway. Once that’s done, grab a paintbrush and freshen up the details — front doors, railings, and window trim are often the first thing people see, and chipped or faded paint sends the wrong message. Landscaping doesn’t have to rival a botanical garden, but it should be tidy and intentional. A few potted plants, some trimmed bushes, and a weed-free yard show that you care. And don’t forget the lighting — a working porch light adds a layer of polish and safety. Think of curb appeal like a dating profile picture. If it’s not appealing, people won’t even bother to swipe right.
Handle Maintenance Before Repair Emergencies
Summer in D.C. means one thing: humidity. And it’s not just uncomfortable. It’s a property’s worst enemy if you’re not on top of things. Tenants will test that A/C the minute they move in, so don’t wait for a 98-degree day to find out the AC compressor is clogged and is not performing to its potential. While you’re at it, check those windows and screens. No one wants a unit that turns into a sauna because the windows won’t open or the screens are shredded.
Plumbing deserves a once-over, too. In some of D.C.’s older neighborhoods, tree roots have been known to snake their way into century-old pipes. If you’ve had slow drains or backups, now’s the time to act. And don’t skip out on pest control. Ants, roaches, and rodents all love a good D.C. summer, but your tenants sure don’t. A preventative visit now can spare you the late-night emergency call later.
Upgrade What Matters
If your place still has that “2008 Craigslist listing” look, now’s your chance for a low-cost glow-up that pays off in higher rent and better tenants.
You don’t have to renovate the entire kitchen, but a few strategic upgrades can keep your property feeling current without breaking the bank. Swapping out dated cabinet pulls or faucet fixtures is a quick win. Replacing an old Formica countertop with stone is a great add, albeit a bigger investment.
Installing a smart thermostat or keyless entry, especially if you’re trying to attract a tech-savvy tenant, adds a bit of glitz. And don’t underestimate the value of LED lighting. Not only is the lighting brighter, but energy efficiency is a real plus when Pepco bills start climbing.
Don’t Forget the Marketing Materials
The window for summer leasing moves fast. Between May and August, tenants are locking in their spots quickly, and they aren’t wasting time on listings that look outdated or vague. Having strong, current marketing materials can be the difference between locking in a new tenant over several weeks or watching your property sit vacant for several months while others get rented.
When writing your listing, make sure it reflects the strengths of the unit and its location. Is there a private balcony that catches the sunset? Mention it. Is the washer and dryer tucked inside the unit instead of down a shared hallway? Highlight that. And in the D.C. summer heat, central A/C and ceiling fans aren’t bonuses; they’re expectations. Mention any shaded outdoor spaces, or if you’re lucky enough to be close to a pool, splash pad, or one of the city’s beloved parks, say so.
Once the property is shining on the outside and tuned up inside, the final step is making sure that polish shows up in your marketing. Your listing needs to be more than just functional, it needs to sell. That starts with updated and clear photos. Snap new images once the landscaping is cleaned up, the paint has dried, and the light’s hitting just right. Don’t use older photos pre-2020 where the tree out front was still a sapling and the trash bins were in the shot. And please, always close toilet seats first! Prospective renters are savvy, and their intuition perks up when they see less than professional looking photos.
It’s All About Timing
This summer, make the most of the opportunity. In D.C., there’s a wave of renters moving for new jobs, internships, or simply trying to relocate before school starts. Landlords who prep early and market smartly are the ones who don’t just find tenants, they find good tenants. And they fill units faster.
Grab that to-do list, schedule those contractors, and maybe treat yourself to a cold one after a long day of touch-ups. You’ll thank yourself later when your rental is leased out and earning while others are still scrambling at the end of the season.
Scott Bloom is owner and senior property manager at Columbia Property Management. For more information and resources, visit ColumbiaPM.com.
Real Estate
Pride, patriotism, and prosperity
Real estate plays role in honoring servicemembers’ legacy

As the calendar turns to late May and early June, several powerful movements and celebrations converge in a profound and colorful tapestry of remembrance, Pride, and progress.
Memorial Day in the United States honors the sacrifices of military personnel who gave their lives in service. Simultaneously, WorldPride and Black Pride commemorate both the historical struggles and enduring strength of LGBTQ+ communities worldwide.
Though these observances may seem distinct, they share powerful commonalities — solemnity, resilience, and the pursuit of equity. When viewed through the lens of real estate and community development, their intersection reveals the critical importance of space, ownership, and inclusion.
Memorial Day is more than a barbecue, a long weekend, or the unofficial start of summer. It is a solemn remembrance of those who laid down their lives for the ideals of freedom and democracy. Many of these fallen heroes came from marginalized backgrounds, including a rainbow of LGBTQ+ Americans who served valiantly, often without recognition or equal rights at home.
LGBTQ+ service members have fought in silence for decades, only gaining the right to serve openly in recent years and then having that opportunity for some individuals snatched back simply because of who they are. Memorial Day is a chance not only to honor their service but also as a reminder of the injustices they endured.
Real estate plays a role in their legacy. For decades, returning veterans used the GI Bill to buy homes and build generational wealth; however, discriminatory practices like redlining and restrictive covenants denied Black veterans the same opportunities, contributing to the racial wealth gap that persists today. Similarly, LGBTQ+ veterans and their partners often faced housing discrimination with little legal recourse. These systemic barriers underscore how access to safe and equitable housing is part of the fight for justice.
Black Pride events emerged in response to racism within the broader LGBTQ+ movement, asserting that Black queer lives matter and deserve visibility. Held in cities across the globe, Black Pride is not just a festival — it is a political and cultural declaration. It amplifies voices at the intersection of race and sexuality, advocating for people who are disproportionately impacted by housing insecurity and gentrification.
Many urban neighborhoods that were once cultural havens for queer communities are being transformed by rising rents and redevelopment. While revitalization can bring economic opportunity, it must be done equitably, with safeguards in place to ensure that long-standing residents are not displaced. Real estate, in this context, becomes a tool for resistance and renewal.
WorldPride, a global event celebrating LGBTQ+ rights and visibility, is hosted by a different city every few years. It draws millions of participants, shines an international spotlight on LGBTQ+ issues, and highlights disparities in rights and protections worldwide. In countries where queer identities are criminalized, safe housing can be a matter of life and death.
Even in more progressive regions, LGBTQ+ individuals often face subtle yet persistent discrimination from landlords, real estate agents, and lending institutions. In the real estate industry, advocacy groups are working to increase representation, offer training, define ethical responsibilities, and advocate for inclusive policies to ensure housing is truly accessible to all.
The convergence of WorldPride with Memorial Day and Black Pride invites deeper reflection: What kind of world are we building in memory of those who came before? How can we ensure that freedom, the very principle so many fought and died for, includes the right to live openly and securely, regardless of race, gender, or sexuality?
The real estate industry has a unique role in shaping the future. From urban planning to homeownership policy, to income-based downpayment grants, it directly influences who has access to stability and opportunity.
Developers, policymakers, and community leaders must work together to address housing disparities. This includes funding affordable housing, protecting tenants from discrimination, and investing in communities that have been historically excluded. It also means respecting cultural legacies and ensuring that neighborhoods reflect the diversity of the people who live in them.
Memorial Day reminds us of the cost of freedom. International Pride events remind us that the fight for freedom is ongoing. As we honor the fallen, let us also honor the living – those who continue to fight for their right to exist, to love, and to call a place home. Whether waving a flag at a Pride parade, laying a wreath at a soldier’s grave, or signing a first-time homebuyer agreement, these moments are connected by the enduring belief that everyone deserves dignity, safety, and a place to belong.
Valerie M. Blake is a licensed Associate Broker in DC, MD & VA with RLAH @properties. Call or text her at (202) 246-8602, email her at DCHomeQuest.com, or follow her on Facebook at TheRealst8ofAffairs.