The following houses in the listed locations must be owned to get a 100% game completion:

1. MacFarlane's Ranch (given)
2. Armadillo
3. Rathskellar Fork
4. Thieves' Landing
5. Puerto Cuchilla - Irish's Shack (given)
6. Chuparosa
7. Escalera
8. El Matadero
9. Casa Madrugada
10. Blackwater Saloon (given)
11. Manzanita Point (most expensive at $400)
12. Beecher's Hope (given)
13. Beecher's Hope (save point transfer, counts as another safehouse)