7 types of ownership in real estate: Which is best for you?

You can use your 401(k) to buy a house, including a In this guide, we’ll explore how you can use your 401(k) responsibly, walk through different options, break down the pros and cons and show you how Pacaso can help you own your dream getaway without wrecking your retirement. There are two main ways to use a 401(k) to fund a home purchase: taking out a 401(k) loan or making a 401(k) withdrawal. A 401(k) loan for a home purchase allows you to borrow money from your own retirement account and repay it with interest, usually through automatic paycheck deductions. To secure a 401(k) loan for a home purchase through your employer, follow these steps: A 401(k) withdrawal for a home purchase is possible, but be cautious. Unlike a loan, you’re permanently removing funds from your account, and if you’re under 59, you’ll likely face a 10% early withdrawal penalty, plus income tax. If you’re under 59.5 years old, early withdrawals typically trigger a 10% penalty. However, certain situations qualify for penalty-free withdrawals. Here’s how to use your 401(k) to buy a house: Before you unlock your retirement savings, weigh their impact on your retirement. It’s important to see if an investment in a second home merits a 401(k) loan or withdrawal. Consider these key factors: Dipping into your 401(k) isn’t the only option to get cash to buy a vacation home. Consider these other ways: If you’re looking for a more flexible route to second homeownership, Pacaso makes Get your dream second home with Pacaso   Still wondering if you can use a 401(k) to buy a house? The answer is yes, but whether it’s the best move depends on your goals. While some buyers tap into retirement accounts, others explore co-ownership models or alternative financing strategies. If you’re looking for a smarter way to own a second home, Pacaso offers a modern twist on luxury real estate. We make it easier to co-own dream properties,

Imagine waking up in a sun-drenched Los Cabos beach house, sipping espresso as the waves roll in. Or perhaps you’re tucked into a Parisian flat with a view of the Eiffel Tower. No matter your style or budget, the best vacation rental sites help you book unforgettable experiences tailored to your travel dreams. To help you find the ideal Best for the largest selection There's no shortage of places to stay, but some sites really stand out for offering the widest and most diverse range of accommodations. Let's take a look at some of the most popular ones out there. 1. Airbnb With over 8 million listings worldwide, 2. Vrbo Focused on whole-home rentals, 3. Booking.com Originally hotel-focused, 4. Expedia 5. Tripping.com Its precise filtering makes it easy to find the perfect rental from over 12 million listings. Since it pulls results from other platforms, you can easily compare prices to get the best deal.    6. HomeToGo If you’re tired of jumping around to multiple rental platforms, you might want to start using 7. Tripadvisor Yes, that 8. Cozycozy If you’re overwhelmed by options, Best for curated stays Sometimes, you’re looking for a certain feel and experience. For those with a plan, check these websites. 9. Plum Guide While many vacation rental sites focus on giving users the most options,  10. Onefinestay Focused on 11. Homes and Villas by Marriott Bonvoy 12. Sonder One of the best short-term rental sites, 13. Welcome Beyond Best for international stays  The world is your oyster — and it’s right there for your enjoyment. Browse these websites to know where to stay abroad. 14. Paris Perfect 15. Interhome Founded in Switzerland in 1965, 16. Casamundo 17. 9flats 18. HolidayLettings 19. Atraveo Operating primarily in Europe, Best for outdoor lovers  We also consider the outdoorsy adventurers. Here are some good options for the campers, glampers and roadtrippers.  20. Hipcamp 21. Outdoorsy Rent an RV and take your vacation on the road. 22. Postcard Cabins Looking for a boutique, scenic and deeply serene experience? Another option: Owning a vacation home Renting is great for some situations, but it may not be the best option. If you find yourself renting in the same spot year after year, it might be time to invest in a more permanent solution. Pacaso simplifies vacation homeownership by letting you Tired of vacation rentals? Try Pacaso If hopping between platforms and fees is wearing you down, maybe it’s time for something different. With Pacaso’s LLC co-ownership model, you get all the comforts of your own luxury second home without the hassle.  Browse

Whether you’re searching for a primary residence or a second home, we know what question is weighing on your mind: Is now a good time to buy a house? According to the National Housing Survey, What does this mean? Should I wait to buy a house? The short answer: It depends. While market conditions might look intimidating at first glance, this could still be the right moment, especially if you’re financially stable, know what you want from homeownership and are eyeing a vacation or second home ownership. Let’s break down the 2025 housing trends, key personal questions to ask and why timing may be less important than preparation. Trends showing now might be a good time to buy a new home Despite uncertainty, there are solid reasons to feel optimistic about buying a home in 2025: Trends indicating now might be a bad time to buy a new home As it usually goes, things aren’t black and white. These market realities might give you pause: Questions to ask yourself before buying a house Even though the market seems to move slowly, this could be your opportunity to purchase a home. Whether it is a good time to buy a house really depends on your situation. So, take a moment to answer the following questions: Am I financially stable enough to purchase a home? Purchasing a home is a large financial commitment, and lenders will examine your financial history and stability before deciding to give you a loan. This includes looking into your employment history: basically, how long you’ve been in your current job and the likelihood of you keeping it in the future.   Review the following elements before you decide to buy a home: If you have lingering debt, a low credit score, little to no savings or an empty How long will I live there? A house is a real estate asset, so you should consider how long you plan to keep your property. Mortgages can come with a 15- or 30-year fixed interest rate, so think about your lifestyle and future expectations before deciding on this commitment. After all, there are different considerations when buying a family home you intend to live in for many days to come versus purchasing an apartment you intend to move out of in a few years.  If this purchase will be your new primary residence, there might be additional funding opportunities for you to explore. However, if you want to What can I afford to spend on a mortgage? There are several factors that contribute to the cost of owning a home, but your mortgage payment will most likely be the largest chunk of your housing costs. Review the following expenses while determining if now is the time to buy a house: Combine these costs with your living expenses to determine if you are financially stable enough to buy a home. If you already have a primary residence, use a Take into account your current salary when budgeting for a mortgage. A general rule of thumb is to aim for a mortgage payment that is no more than 28% of your yearly income.   Do I have enough for a down payment and initial costs? Although you can finance most of the mortgage, you’ll still be responsible for providing around 20% of the purchase price upfront. Depending on the cost of a home, primary and While it is possible to find additional funding for down payments, this will increase your monthly payments. Try to save up the cost of the Taking these costs into account is one of the most critical steps in buying a house. Take time to budget for these additional costs: Will I get a favorable rate?  Interest rates depend on a few factors, such as your employment record and credit score. So, is this a good time to buy a house if I want a low rate? Let’s check your credit score first.  Remember that you’ll probably need How will this affect my future financial goals? Take stock of your future financial goals and reflect on how buying a house could affect them. If you’ll be financing your home, remember that you’ll have significant housing costs that may require you to curtail savings for things like children’s education and retirement.  What’s more, these housing costs could require you to sacrifice aspects of your current lifestyle, like vacations and spending habits. Think about potential lifestyle changes or if you are comfortable putting larger goals like What is motivating this purchase decision? Whether this purchase is for your first or If you’re wondering if it’s a good time to buy a house, take a few things into consideration. Although owning one or more homes can’t guarantee you’ll benefit from equity, understanding your motivation can help you decide what’s best for you. Take time to consider your home goals and take steps to accomplish them.  If you’re looking for a second home, check out the Should I wait to buy a house?  Waiting might not get you a better deal if your finances and goals currently align. Buying now can help you build equity sooner and avoid the rising prices that typically come after a dip in interest rates. And that’s without considering you’ll be living your dream soon.   Yes, some buyers are hoping for a recession dip. With interest rates and home prices still high, some might be thinking, “Is it a bad time to buy a house?” But here’s the thing: Waiting doesn’t always work how you think it will. When rates drop, competition usually explodes. That can push prices back up just as fast. In the end, personal readiness matters more than market headlines. Don’t ignore the market entirely or let fear of missing the perfect timing stall your life goals. Try before you buy forever Still not sure if this is your moment? Consider If you want to research a bit more to help you decide, visit

Do you have your perfect home in mind but struggle when you try to describe it? Well, you’re not alone.  There are many types of houses — with many having their own variants — and unless you’re an architect, it can be difficult telling them apart. Learning what makes each type of home unique can help you in your search for the perfect first or That’s why we’ve compiled this list of common house styles that breaks down their defining Types of houses by structure Before we get to the different types of houses, it can be helpful to know the common types of residential structures. Knowing whether you want a single-family home or a condo can narrow down your search and make it easier to find something that suits your budget and lifestyle.  Single-family detached A single-family home is a structure that is not physically attached to other houses. These homes offer the highest degree of privacy and customization by the owner. They are most popular in areas with lower population densities. Apartment An apartment is a residential unit contained within a larger building or complex. An apartment is only available for renting and requires a contractual agreement with the landlord. Some apartment buildings provide amenities such as pools and fitness rooms. Condominium A condominium, or condo for short, is an apartment-like unit that is owned by an individual. The owner can make renovations and rent out the unit so long as they do not violate the rules of the homeowners association (HOA). Co-op A housing cooperative, more commonly known as a co-op, has many similarities to a condominium but with more restrictions. Instead of purchasing a specific unit within the building, the buyer is purchasing shares in the company that owns the building. The number of shares the person owns translates to the size of their unit. Townhome A townhome is a private unit that is attached to at least one other private unit. It usually has exterior access and multiple stories for added space. Townhomes sometimes provide access to shared building amenities. Coach home Coach houses, sometimes called carriages, were originally used to house horse-drawn carriages and were converted to be private dwellings. Now, a coach house can refer to any detached unit on the same property as another building. They can be rented out by the property owner of the main house, or owned by a second individual. Chalet A chalet is the traditional house of shepherds in Switzerland. Today, the term refers to a Cabin A cabin is a type of single-family structure defined by its minimalist features and rustic design. It is often used as a vacation residence but can also be a primary dwelling. Cabins are almost always located in remote areas. Tiny house A tiny home is usually considered to be any home under 400 square feet. Tiny homes were inspired by the modern trend of people downsizing their possessions and financial burdens. Mobile home A mobile home is a factory-built house that can be towed to a lot for a semi-permanent residence. The mass-produced nature of mobile homes makes them an affordable option for home buyers.  Modular home A modular home has different sections that are fabricated in a factory. The sections are then shipped to the build site and assembled atop the foundation. Types of houses by architectural style Now that you know the different structures that can make up a home, it’s time to dive into the house architecture styles you’ll likely come across. When we talk about house styles, we’re referring to the exterior aesthetics of each house and some of their practical functions. As you examine the different kinds of houses, take note of what is beneficial for the area you live in, versus what is simply decorative, as this can drive costs up unnecessarily. For example, while a home with tall ceilings and lots of windows may be great for hot climates, it’s going to raise heating costs in areas with harsh winters.  Victorian The Victorian house style came to prominence in the 1830s — during Queen Victoria’s reign — and continued into the early 1900s. These homes are quite large, usually two to three stories tall. This type of house is known for its ornate wooden exterior with gabled roofs and turrets. Defining features: Tudor The Tudor house style came to America in the late 1800s and remained popular into the 1930s. Tudor homes often evoke feelings of an English country manor. They were inspired by medieval architectural elements and incorporated masonry, timber framing and narrow windows.  Defining features: Farmhouse The Farmhouse style is known for its warm and cozy aesthetics. It typically employs hand-hewn beams and wrought iron hardware over a rectangular design. Farmhouse-style homes often have wood flooring, clapboard siding and contrasting shutters. Some even mimic barn roofs.  Defining features: Modern Farmhouse Modern Farmhouse homes blend traditional Farmhouse elements with the sleek, clean lines of contemporary design, resulting in warmth, simplicity and functionality. The style is characterized by natural textures and materials, especially wood and galvanized steel. Color schemes lean toward cream with black trim and fittings, though bolder hues are also used. Defining features: French Country As the name suggests, French Country-style houses take inspiration from homes found in areas like Provence, France. These types of homes share traits with the Farmhouse style by incorporating distressed wood, subdued color palettes and window shutters. They differs in their stone exterior and fireplace.  Defining features: Mid-Century Modern Mid-Century Modern style is all about simplicity, with clean lines, organic and geometric shapes, floor-to-ceiling windows and minimal decoration. Made popular after World War II, Mid-Century Modern design puts function front and center. This type of home also aims to complement the surrounding environment. Defining features: Tuscan/Mediterranean The Tuscan style is a natural fit for areas that have a mix of indoor and outdoor living. It’s a style that looks particularly fitting in the rolling hills of wine country and in sunny Southern California. These kinds of houses feature detailed stonework, lavish balconies with wrought iron railings, terracotta tiles, textured walls and stucco façades.  Defining features: Ranch Ranch houses first popped up in the 1930s and hit their peak in the 1950s. They are known for open living spaces and low-pitched roofs, rarely being taller than one story. Since these homes hit the market during the suburban boom, they often have an attached garage for commuters and a large backyard. Defining features: Split-Level The Split-Level house style is an offshoot of the Ranch style and became popular in the 1950s and 1960s. Its main difference is that it will contain multiple stories that are connected with short flights of stairs.  Defining features: Bungalow Bungalow houses were first constructed in the 19th century by the British elite as simple rest houses. This affordable style was adopted all over America in the 20th century, with offshoots popping up in Chicago, California and Michigan. Bungalow homes are known for their column-supported roofs, large main floors and stone elements. Defining features: Cottage Cottage houses were first built by working class English farmers before this type of home was first brought to America. Now, they are ideal vacation homes due to their tight quarters, creating a cozy atmosphere and requiring little maintenance. They can be identified by their wood or wood shingle siding and small front porches.  Defining features: Art Deco Art Deco is one of the most visually distinct types of homes in this list. Like Mid-Century Modern and Cottage, this style can also be applied to certain Defining features: Colonial The Colonial house style in America dates back to the 1600s and draws from English, French, Georgian, Dutch and Spanish influences. These homes are at least two stories tall and have a rectangular frame. They have a symmetrical façade with evenly spaced windows. It is also common for them to have a decorative crown over the entryway that is supported by columns.  Defining features: Cape Cod Defining features: Craftsman The Craftsman style is a rebellion against the mass-produced homes in modern developments. These houses are handmade and built to stand the test of time. Each one is unique since they are designed according to the specifications of the owner. Some common traits include built-in shelves, custom fireplaces and reading nooks.   Defining features: Greek Revival The Greek Revival style arose during the 1800s when people found inspiration in ancient Greek culture. This translated to buildings emulating traits of historic structures like the Parthenon. These types of houses in America had large wood columns that were covered in white plaster to mimic stone. Defining features: Prairie The Prairie house style is a uniquely American creation. These types of houses were created by architects looking to break away from the traditional European styles of the time. It can be seen as a precursor to the Mid-Century Modern style with its heavy reliance on horizontal lines and desire to complement natural surroundings.  Defining features: Contemporary The Contemporary style refers to homes that are presently being built and do not fall under a previously defined style. They sometimes share elements with modernist styles — such as clean lines — but will also appeal to current trends, like utilizing eco-friendly materials.  Defining features: Now that you know the types of houses you’re likely to come across during your house hunt, you can narrow your search down to the styles you find most inspiring and practical to your needs.   If you’re currently in search of a

If you’re thinking about purchasing a second home, you’ll want to answer the question “Can I afford a Our second home mortgage calculator can give answers to that question and more — with no complicated math needed from you. You’ll also want to read through our list of five How to use the second home mortgage calculator This easy-to-use calculator breaks the number-crunching down into a few steps. Simply plug in details about your total monthly income and debt obligations, then continue on to determine how much you can afford. The calculator is only as accurate as the numbers you put in, so try to be as exact as possible with your current financial status. Let’s walk through the steps: Step 1 On the first screen, you’ll input some of your financial data to calculate your monthly debt-to-income ratio. As you do, here are the figures you’ll be asked to enter: Step 2 On this screen, you’ll see your current debt-to-income ratio (DTI). A commonly used term in real estate lending, DTI is calculated by dividing your monthly debt obligations by your gross monthly income. The lower your DTI, the more favorable you will be seen by mortgage lenders.  This screen also shows you your estimated cash on hand. This is the amount of money you have left over each month after deducting recurring expenses. Step 3 This step helps you figure out how much you can afford to spend on a second home. You’ll be asked to input the following information: Step 4 Here, you’ll see your results. Based on all your inputs, you’ll see how much you can afford to spend on a second home. If you’d like to explore Pacaso second homes, you can simply click “ Now that you’ve done the math, let’s explore how you can make second home ownership work for you. 5 factors to consider when buying a second home Since lenders make money off of Remember that in addition to monthly mortgage payments, second home owners are still responsible for: These added expenses can easily cut into your cash on hand. That’s why it’s important to figure out how much you can afford for a second home by using our second home mortgage calculator, also known as a For added help in getting the right mortgage loan, read the following five tips.  1. Know your financing options Knowing how you plan on The purchasing method that’s right for you will largely depend on your current financial status, which we’ll get into next. 2. Revisit your current financial status Lenders want assurance that you will be able to uphold the terms of your loan, so they’ll look at your current financial situation. Considering purchasing a second home? A key financial metric to assess is your debt-to-income (DTI) ratio. To comfortably afford a second property, your DTI should ideally not exceed 45%. While this threshold is a general benchmark, having a favorable credit score, a substantial down payment or considerable cash reserves can provide added flexibility. Ensuring that these financial parameters are in check will guide you in making an informed decision about acquiring a secondary residence. Typically, you will need to have a favorable credit score, as anything below 640 could result in a rejected application.  3. Understand second home mortgage requirements The second home buying process is similar to buying a primary home, but it does have stricter requirements. Along with having higher interest rates — usually 0.5% to 1% higher — The rule of thumb is that your housing and debt payments should add up to 36% of your pre-tax income at most. Sticking to this guideline can prevent you from being “house poor,” which means tying the majority of your income up in housing expenses and leaving little cash on hand for unexpected expenses, either related to your second home or not. Be prepared to pay at least 10% of the second home’s value as a down payment. This is substantially higher than the rate for a primary mortgage due to the added loan risk.  4. Know your options for second home ownership Getting a second home mortgage may be out of reach if your goal is to become the sole owner, but that’s not your only option. Pursuing Purchasing your home through a co-ownership model like Pacaso manages the property for you, ensuring it’s flawlessly maintained and stocked with the essentials you need for a relaxing stay. This sort of 5. Learn how to increase your borrowing power After evaluating your finances, you may find that you don’t meet the requirements for purchasing a second home at the moment. The good news is that you have the power to increase your appeal to lenders with just a little time and strategy. Applying these strategies can put you in better standing to get an affordable loan in the near future or down the road. Track your progress over time Still wondering, “Can I afford a second home?” Even if the answer isn’t a yes right now, you have the power to change it. Bookmark this calculator and come back to recalculate based on your progress.  When you’re ready to make a second home

It’s no secret that home prices are substantial. The average sales price for new houses sold in February 2025 was Other factors, like initial costs, interest rates, insurance costs, property taxes, maintenance responsibilities and the ever-changing economic landscape, can also shape how people choose to live and if they decide to invest in real estate.  Let’s go over the pros and cons to help you decide whether it's better to rent or buy a home. Pros and cons of owning a home Owning a home provides more stability and long-term equity but comes with varying costs, especially with a variable-rate mortgage. Here’s a list of pros and cons when purchasing a home: Pros Owning a home can build equity over time, but it’s more than that for most. Part of this ownership comes back to making the home your own. Home improvements are a boon to homeowners who want to increase the value of a home or truly make it theirs. However, depending on the Equity is still a vital tool for homeowners. Homeowners can use equity to turn a profit on the home later, or they may also borrow against it to pay for expenses like medical bills, college tuition and home improvements.   There’s also the stability. Unless you pay cash, fixed-rate mortgages enable flat monthly payment amounts over the life of the loan, except for insurance premiums and tax fluctuations over time. Even so, these can be relatively minor fluctuations you can plan for. Cons Homeownership is generally more expensive than renting because there are more costs to consider, such as property taxes, higher insurance costs, utility costs and maintenance. Many of these can also fluctuate depending on varying factors, such as insurance rates in your area. Buying, setting up a mortgage and scheduling necessary inspections could also be time-consuming. If you need the home now, waiting for these processes to complete can be frustrating, sometimes being pushed by several months, depending on scheduling limitations.  Homeowners might also see their creative vision limited by a Homeowners Association (HOA). While HOAs can sometimes benefit you through snow removal, lawn maintenance, and other services, others can restrict housing colors or your plans to expand your home. Pros and cons of renting a home Renting a home saves time from the purchasing process and provides more flexibility while trading in the benefits of ownership, such as tax breaks or stable payments. Here’s a list of pros and cons when renting your home: Pros Renting works well for those who value flexibility, convenience, and savings. Median rent was around $1,406, around $500 cheaper than the average monthly mortgage of homeownership.  Renters are also not responsible for maintaining as much of their unit, enabling renters to save what they would spend on maintenance costs for a Cons A renter’s main inconvenience is the lack of control. There’s no home customization, you might be subject to Renters may also have their home sold while they live there, meaning they’ll have to move out at the end of a lease term. Some lease contracts even have clauses forcing the renters to move out within 30 days if the property is sold. It’s vital to read your contracts fully, regardless of renting or buying. While home ownership is often seen as a goal to strive for, renting vs. buying a home may make more financial sense in certain stages of life.  Let’s look at the differences between buying and renting. Buying vs. renting: 5 differences to know:  Your costs and lifestyle needs will affect whether renting or buying a home is better. Here’s a table breaking down some major differences. 1. Monthly housing payment Homeowners are responsible for a wide range of costs taken by a mortgage company, often through an escrow account. Your mortgage company uses the escrow account to pay property taxes and homeowners insurance. You might also need to pay mortgage insurance premiums if you purchase your home with a down payment of less than 20 percent. Utilities are billed separately.  If you rent a home, you will pay a set amount for your lease, which can change during renewals. You also may be responsible for the utility bills, which could be part of your rent or separate, depending on your rental agreement. Many people also choose to get renters insurance; some leases even require it.  Whether you’ll pay more in your monthly housing payment as a renter or a homeowner depends on many factors, including market conditions, interest rates, and the size of your down payment. Knowing these factors before buying a home will help you understand if you can afford it.  Consider second home co-ownership with 2. Insurance  Homeowners often pay more than renters for insurance. The average cost for renters insurance is around Renters insurance can provide liability protection for at-fault incidents for things you don’t own, often including damages to the residence. It can also protect your belongings in case of flood, fire or theft. Some homeowners require adequate liability coverage to protect their homes in the event of a major incident.  Meanwhile, homeowners are generally required to obtain insurance to qualify for financing. Like renters insurance, homeowners insurance covers liability, such as people slipping in your home, and coverage for your belongings. Where it differs is that the coverage for the house itself must be broken down by type, such as coverage for other structures, coverage for wind and hail and coverage for the dwelling itself. This complexity makes homeowners coverage much more expensive. 3. Home equity Rent payments contribute solely to the landlord's income and do not provide renters with any property ownership stake or investment value, so tenants do not build equity. Instead, that equity goes to the rental property owner. In contrast, homeowners make mortgage payments, build equity in their property, and may benefit from property value appreciation. This makes buying a primary home a long-term investment with potential financial gains. Additionally, home equity can allow homeowners to access funds through home equity loans and lines of credit.  4. Property taxes Homeowners are required to pay annual property taxes, while renters do not. Property taxes vary by state and county, with Although homeowners must pay annual property taxes and mortgage interest, tax deductions can lead to significant tax savings. Even when selling a home, homeowners may qualify for capital gains tax exclusions that further reduce their tax burden. Homeowners can also take advantage of different tax breaks for Tenants who rent typically do not receive direct tax benefits related to their rental payments, and property taxes may be fixed into their lease agreements. You may qualify for deductions if you use the space for something tax-deductible, such as working from home. 5. Lifestyle Renting offers greater flexibility and mobility, making it an appealing choice for individuals who prioritize a transient lifestyle. Renters can easily relocate for job opportunities or personal preferences without the burden of selling a property. Renting also eliminates the responsibility of property maintenance and repairs, providing a more carefree living experience.  On the other hand, buying a home suits those seeking stability and ownership. Ownership allows people to customize their living space and establish long-term relationships within their community. Although homeowners have more control over their living environment, they are responsible for all property maintenance and upkeep. The cost of buying vs. renting a home [$300,000 home example] Renting generally involves lower upfront costs, as renters typically only pay a security deposit and first month's rent, while homebuyers are responsible for repairs. However, renting can be more expensive than buying in the long term, as homeowners build equity, benefit from potential property and receive more tax benefits. Here is a breakdown of the cost expectations of renting vs. buying a $300,000 home. Items like taxes may vary depending on your state or county. Simply put, renting is better if you prefer convenience, while buying is better if you prefer stability. So, if uncertainty and commitment are the only things holding you back, wouldn’t it be great if you could try it out before committing to a 30-year mortgage?  Thankfully, you can do that with

Coordinating Your pet deserves luxury on vacation, and so do you. Selecting the right destination can provide you and your pet with the carefree escape you’re hoping for — and maybe even introduce you to a location for a second home that's great for you and your pup. Browse these top pet-friendly vacation spots — listed in no particular order — to get ideas for your next trip. Ready, set, go fetch your next dog-friendly vacation destination! 1. Block Island, Rhode Island When it comes to dog-friendly vacations, Block Island is one destination you won’t want to miss. From scenic walks to water taxis, there's so much for you and your pup to enjoy together. Brenton Point State Park offers beautiful views of the bay, with kite fliers taking advantage of the gusty ocean winds. Have a picnic at Grab a bite to eat at 2. Philadelphia, Pennsylvania The City of Brotherly Love extends its hospitality to four-legged friends. Visit For a break from the concrete jungle, head to the 3. Nantucket, Massachusetts This Northeast pet friendly vacation spot has beaches, brewskies and bogs to entertain you and your dog. Surfside, Brant Point and Cisco Beaches all provide sandy ocean fun. Take a ride on the When it’s time to rehydrate and replenish your calories, head to Easy Street Cantina or the Sandbar at Jetties Beach for fresh food and refreshing drinks. In terms of dog vacations, this one is hard to top.  4. Jim Thorpe, Pennsylvania What may at first seem like a sleepy town in the Poconos is a must-see place to go with your dog. Fido is welcome on the vintage 5. Long Island, New York The largest island in the country offers pet-friendly beaches, hiking trails and more. Take your dog walks up a notch by strolling around Long Island has plenty of dog-friendly breweries, and there’s even a tour that takes you to all of the best neighborhood taprooms. 6. Lake Placid, New York There’s so much to experience in Lake Placid. Enjoy a convenient stay at the pet-friendly Town House Lodge, just a stone's throw away from the lake and a short walk from Main Street. Rent a boat from The 7. Stowe, Vermont Stowe has no shortage of pet-friendly vacation ideas. The 8. Bar Harbor, Maine If you and your furry friend share a love for the ocean, the seaside town of Bar Harbor has everything you need. This quiet town of 5,000 provides nature cruises for leashed pets, so you both can try spotting a variety of sea creatures, like porpoises and seals.  Take a picturesque walk around dog-friendly 9. Chicago, Illinois Bring your pet to this lakeside city for fun on and off the water. Multiple Montrose Dog Beach allows your pet to dip their paws in the lake and even provides free waste bags and a dog wash area. The pet-friendly 10. Madison, Wisconsin Sitting on an isthmus between two lakes, Madison has a whole lot of green space perfect for traveling dogs, including For two-legged visitors, The BarleyPop Tap and Shop provides another dog-friendly taproom with an extensive craft beer selection. If spirits are more your thing, the 11. Milwaukee, Wisconsin Stroll Milwaukee’s winding Treat your good dog to a spa day at 12. Grand Haven, Michigan This cozy western Michigan town offers plenty of fun for you and your pup while avoiding the overwhelming crowds of some better-known dog-friendly getaways. Take your time as you stroll down the Rent your own pontoon for a relaxing cruise or a water skiing excursion. Then step back into a time capsule at 13. Cleveland, Ohio This Lake Erie city blends freshwater fun with urban attractions. The downtown dog park offers 3,500 square feet of off-leash play space. The Then head to the 14. Indianapolis, Indiana This dog-friendly getaway blends city entertainment with natural attractions. The Enjoy the Downtown Canal Walk’s three-mile loop, or rent a pedal boat for a unique view of the city. Treat your pup to a movie at the 15. St. Augustine, Florida St. Augustine, the oldest continuously inhabited city in the U.S., is brimming with history for you and your pet to experience together. Ponce de Leon’s Fountain of Youth Archaeological Park includes a planetarium, Timucua Native American village and an observation deck. Wild peacocks roam the park, so be sure to keep your dog leashed.  In town, you can take your dog on a wine-tasting tour in a horse-drawn carriage or ride on 16. Key West, Florida Your leashed dog can stay by your side as you tour the local aquarium and witness shark feeding and alligator exhibits. You won’t want to miss your chance to dine on fresh seafood like fish tacos at 17. Asheville, North Carolina If the Southeast is more your style, grab the leash and head to Asheville, North Carolina. Take a stroll through Asheville has trolley tours for dogs up to 25 pounds, or you can scratch nature’s itch with a walk through 18. Charleston, South Carolina Fans of the macabre won’t want to miss the city’s 19. Hilton Head, South Carolina You can stick to living on island time at pet-friendly The 20. Shenandoah Valley, Virginia Virginia may be for lovers, but it’s also great for your fur baby. Shenandoah Valley has dog-friendly wineries, nature trails and other activities. The 21. Birmingham, Alabama Get a taste of Southern comfort food at Crazy Cajuns’ Boiling Pot, the punk rock-friendly Black Market Bar and Grill or Back Forty Beer Company.  22. Austin, Texas Austin is one of the best pet-friendly vacations in the United States! Prepare for sensory overload at the When you need a little extra energy to make it through the day, or maybe just to burn some of your pet’s energy, head to the 23. Sedona, Arizona 24. Albuquerque, New Mexico This Southwest city is well-known for its delicious food and lively festivals, but its reputation as a pet-friendly destination is also noteworthy. Your leashed dog can join you on an outdoor adventure along the La Luz Trail, much of If you need to give your paws a break, hitch a ride on the open-air 25. San Francisco, California San Francisco makes our list of best pet-friendly vacation spots thanks to its gorgeous scenery and dog-friendly accessibility. Your dog can splash in salt water at Golden Gate Park’s off-leash section is a viable alternative for dogs wanting to keep sand out of their fur. For an added activity, try the modern treasure hunt known as geocaching, which is great for dogs and children alike.  26. South Lake Tahoe, California Bring your dog with you as you try your hand at sport fishing, kayaking or paddleboarding. Lake Tahoe’s dog-friendly beaches also provide the option for a restful day soaking up the sun. Stop at the 27. Huntington Beach, California Huntington Beach — aka Surf City, with its 10 miles of coastline — is an evergreen pet-friendly vacation destination, thanks to its sunny After a day of frolicking on the beach, try some fresh seafood at 28. San Diego, California Make your dog’s ocean dreams a reality by taking a pet-friendly vacation to For a more sure-footed activity, spend the afternoon at the 29. Napa, California 30. Colorado Springs, Colorado Get away from big-city vibes and get back into nature in Colorado Springs. The impressively named For the less adventurous, Colorado Springs has plenty of places to go with a dog. 31. Kanab, Utah You have to see Kanab to believe it. Known colloquially as “Little Hollywood,” dozens of movies and television series are filmed in and around the area’s national parks due to the striking scenery. Your dog can join you as you walk remote trails, or you can both jump in a 4x4 for a guided desert safari. Be sure to stop by the 32. Boise, Idaho If you and your hound are tired of being confined indoors, Boise is a perfect pet-friendly escape. Tree-lined paths link the Winstead Park offers designated off-leash hours throughout its 11 acres of green space. The Spacebar Arcade lets you drink and game with your dog by your side. And your pup is welcome at the 33. Seattle, Washington Beat the heat with a pet-friendly vacation to the Pacific Northwest. Visit the city’s largest downtown green space at Along the shores of Lake Washington, you’ll find the 230-acre 34. Bend, Oregon The city of The Riverbend Beach Dog Park is a fenced oasis for your furry friend to socialize in and out of the water. Drink in Bend’s craft beer scene by walking the Taking a vacation with man's best friend requires some extra planning, but with some careful preparation — it'll give both you and your pup something to wag about.  Before you hit the road, make sure your pet is primed for the journey. Pack essentials like food, water, bowls, a leash, and any necessary medications to set your pack up for success. Ensure your pet's identification and vaccinations are current, and consider a microchip for extra safety. If traveling by car, secure your pet with a harness or carrier, and plan for frequent breaks for potty stops and exercise. After all, a tired pup is a happy pup! When selecting a dog-gone great destination, consider the climate and specific activities you and your pet will enjoy. Research pet-friendly parks, Sites like BringFido, Petswelcome, and GoPetFriendly specialize in pet-friendly accommodations. They have filters to narrow your search based on pet size, breed, and any extra fees. For example, on BringFido, you can filter for hotels with no size restrictions, which is perfect if you have, say, a Great Dane. Sites like Now that you've planned your destination and travel, it's time to nail down an itinerary that will Here are some of the best types of activities to share with your dog on vacation:  The great outdoors is almost always a safe bet for dog-friendly vacations. Hike scenic Who says pups can't be cultured? Many experiences, such as museums, zoos or historical tours, are pet-friendly. For instance, in Charleston, South Carolina, you can take a pet-friendly After a day of exploring, treat yourself and your furry friend to some delicious eats, a local beverage, or some Remember to always confirm pet policies beforehand to ensure an enjoyable experience for you and your pet. Tips for a pet-friendly vacation The key to a successful pet friendly vacation is preparation. Keep these tips in mind before hitting the road or taking to the air. 1. Consider the mode of transportation How you’ll get to your destination depends on how far away from home you’re going, of course, but you’ll also want to consider your dog’s comfort. Some dogs are perfectly fine flying on an airplane, but it can be traumatic for others. Some dogs love a road trip, while others don’t like being stuck in a car for a long time. Consider your dog’s personality before plotting your course.  2. Test your pet’s travel tolerance Before you go on a vacation with pets, see how they respond to being cooped up or in a car for long periods. You may discover they get motion sickness or need more frequent breaks than you were prepared for. 3. Double-check dog-friendly accommodations Before you leave, it’s smart to verify that you can bring your furry friend along to your hotel or vacation rental. Businesses can change their policies at any time and you don’t want to be left without a place to stay. The best dog-friendly hotels go out of their way to welcome four-legged guests, with special amenities like treats and dog beds.  Regardless of where you stay, it’s important to note even when dogs are allowed, many hotels won’t allow you to leave your pet unattended in a hotel room while you’re out and about.  4. Make a dog-friendly vacation itinerary Think through the places you want to visit on your vacation. For example, dogs are allowed in most national parks, but you’ll need to keep them on a leash and on the trail at all times. In town, look for pet-friendly restaurants with outdoor dining options. 5. Pad your travel schedule Even a well-trained dog can act out of character in new or unfamiliar environments. Allow for extra time for your four-legged friend to get acclimated so you don’t miss out on sought-after activities or reservations.  6. Update your pet’s identification and vaccinations Make sure their collar or chip has your current contact information. This way if you get separated while on vacation, they can be identified and reunited with you. On top of that, doublecheck that all of your pet’s vaccinations are up to date. Many businesses, including 7. Bring extra supplies Pack more waste bags, medications and other necessities than you think you’ll need, just in case.  Don’t forget to pack food, a water bowl and a few items to help your pet feel comfortable, like a portable dog bed and a few of their favorite toys and treats.  Buy your own dog-friendly vacation home Like most humans, most pets enjoy a sense of familiarity and routine. Instead of staying in a new hotel in a new city every time you travel, consider setting down roots in your (and Fido’s!) favorite dog-friendly vacation destination. The best dog vacation is one your pup will enjoy every time.  As a second home owner, you can enjoy all the comforts of home while venturing out together in search of local dog-friendly parks, dog-friendly hiking trails and maybe even a dog-friendly beach.  It should come as no surprise that man’s best friend can also make a great companion on your travels, but pet-friendly vacations require a special type of planning to make them enjoyable. Use the destinations on Imagine having a second home in one of these pet-friendly destinations. Browse

Say you've been planning the ultimate luxury vacation for a couple of years. You've got your list of dream destinations, top-notch resorts, and must-try experiences all lined up. But just as you're about to book, you discover some places have become overcrowded, while hidden gems have emerged elsewhere. Suddenly, your itinerary needs a revamp.  The luxury real estate market isn't much different. Economic shifts, evolving consumer tastes, and technological innovations continually reshape the landscape. In this guide, we’ll walk you through the top luxury real estate trends of 2025 so you can create a strategy that leads to 1. Smaller homes are becoming more luxurious Smaller homes continue to gain popularity among luxury buyers in 2025, and it's not just about saving money — it's a lifestyle choice. Recent data from the Affluent buyers are prioritizing convenience and financial flexibility, seeking homes that require less maintenance without sacrificing those high-end finishes we all love. Many buyers are choosing smaller homes because they're easier to purchase with cash, avoiding mortgage debt and those pesky rising interest rates. Why smaller luxury homes work: 2. The luxury market is stabilizing as inventory rises and price growth cools After years of soaring prices and fierce competition, the luxury housing market is shifting toward a more balanced state in 2025. The extreme ups and downs we've seen in previous years are leveling off as more high-end properties become available. This increase in supply is giving buyers more options and cooling down the frenzy that once drove those intense bidding wars. In some areas, luxury home prices are even seeing slight declines — a welcome change for buyers. While demand for luxury properties isn't disappearing, the days of skyrocketing prices and bare-bones inventory seem to be behind us, pointing to more stable 3. The luxury real estate market is becoming more globalized Market trends in Rachel Stringer, a real estate agent at Raleigh Realty, says, “Many are drawn to destinations offering better tax incentives, lower costs of living or a higher quality of life.”  “Texas is seeing steady growth, especially in cities that offer business opportunities without the tax burdens of other states. At the same time, international luxury markets are evolving. A study by 4. Luxury price growth is slowing while select markets experience corrections Luxury home prices in the U.S. continue to rise, but the pace of growth is slowing. According to Redfin, the Some markets are still seeing impressive gains, such as: However, signs of correction are emerging in select cities, like:  This suggests a potential shift in the New listings in the luxury market have surged in several key areas, giving buyers more choices and taking the pressure off prices. Providence, RI (31.5%), Miami (28.1%) and Tampa, FL (27.6%) saw the biggest jumps in new luxury home listings.  Meanwhile, the pace of sales varies dramatically — on average, luxury homes in Seattle sold in just six days, while Miami's high-end properties lingered for 114 days. These luxury real estate market trends highlight how the high-end housing sector is evolving, with some cities still seeing rapid growth while others are cooling down or making slight adjustments. 5. Cash is king, but financing is gaining traction in the luxury market While cash has traditionally dominated luxury real estate transactions, financing is making a comeback as interest rates begin to descend.  Though interest rates remain higher than pre-pandemic levels, their gradual decline opens financing options for luxury buyers. Many wealthy individuals still prefer cash purchases to avoid borrowing costs, but others are dipping their toes back into the mortgage market as rates become more attractive. Beyond traditional mortgages, savvy buyers are getting creative with margin loans, stock portfolio loans and private banking credit lines to fund their purchases. Cash remains a powerful advantage in competitive markets where bidding wars still happen.  However, as borrowing costs continue to fall, experts predict more luxury buyers will incorporate financing into their strategies. This shift reflects a broader normalization in the 6. Luxury buyers are adapting to evolving interest rates With This hesitation creates a more balanced market, forcing sellers to adjust their expectations. As overpriced homes sit longer, buyers are holding out for better deals, potentially leading to win-win negotiations for both parties. Despite the challenging economic environment, cash-rich buyers remain active in the Dahlia Fox, a real estate agent with The luxury real estate market in 2025 is likely to see more price adjustments as everyone adapts to the new financial reality. 7. Luxury second-home market and co-ownership is booming Even with economic challenges, the demand for luxury Real estate expert and Platforms like Pacaso, where families can purchase fractional ownership of a luxury home with maintenance handled, are gaining popularity. This trend in the luxury home market makes owning that 8. Investors are expanding their portfolios with high-end real estate Despite economic shifts, luxury real estate remains a stable and attractive asset. Investors are particularly eyeing Thomas Franklin, Founder and CEO at This shift toward managed asset pools lets investors spread their capital across multiple luxury properties, enjoying both flexibility and access to global markets while minimizing risk — a trend that's reshaping luxury real estate market trends in 2025. 9. Smart homes are becoming essential rather than a luxury feature According to Rachel Stringer, "Technology is built into every part of high-end real estate now. Homes that aren't equipped with automation, security and seamless integration of smart features feel outdated before they even hit the market."  With AI, IoT and big data working together, these smart systems are completely transforming how luxury homes operate, delivering next-level comfort and efficiency that today's discerning buyers demand. These luxury home trends are rapidly becoming the new standard rather than exceptional features. 10. Luxury buyers are prioritizing sustainability Sustainability is becoming a top priority for luxury buyers in 2025, with a growing emphasis on energy efficiency, eco-friendly materials and green spaces. As climate awareness rises and government regulations tighten, we're seeing a notable shift toward sustainable Rachel Stringer puts it perfectly: "The conversation about sustainability has also shifted. It's not about marketing a home as eco-friendly for show — it's about efficiency. Solar panels, energy storage, water recycling and passive design are becoming standard because they lower long-term costs and increase self-sufficiency."  Investing in green properties with 11. Luxury home buyers are prioritizing resiliency features Luxury home buyers are increasingly looking for properties that can weather natural disasters — literally. In regions prone to hurricanes, wildfires and flooding — like California, New Orleans and Florida — buyers want more than just beautiful homes. They want properties with features that ensure their investments remain safe and functional no matter what Mother Nature throws their way. These features include: Nathan Mathews, CEO of 12. Gen-X and Millennials will influence the market Millennials and Gen-Xers are reshaping the luxury real estate market. Affluent millennials gravitate toward homes featuring cutting-edge technology, sustainability and energy efficiency, viewing real estate as a lifestyle statement and a financial investment. Their preference for urban properties or resort homes with income potential drives demand for smart, sustainable luxury properties across the market. Gen X buyers, now in their prime earning years, are focusing on long-term asset diversification. With wealth inherited from baby boomers, they're seeking homes with premium amenities, enduring value and stability for future generations. As  Rachel Stringer notes, "Millennials and Gen X prioritize functionality, privacy and convenience. They want spaces designed for how they actually live — integrated wellness features, easy-to-maintain outdoor areas and turnkey properties." These generations are significantly influencing luxury real estate trends with their distinct preferences and priorities. Luxury real estate made easy with Pacaso The luxury real estate market is always evolving, and 2025 promises to bring new opportunities and challenges for prospective buyers. Whether you're looking for a primary residence or a To stay ahead of the latest luxury real estate market trends and discover exclusive high-end listings, Pacaso can help you cross the finish line on your vacation home ownership journey (or even help you figure out how to