How to Buy Land In Texas
Texas offers some of the most versatile land at more affordable rates than other heavily populated states, but the buying process often comes with many questions. All the research can be so time-consuming it delays your plans, from finding available properties and comparing prices to securing financing and waiting for the close.
But do not worry; we are here to guide you through every step you need to take to buy the best land for sale in Texas. By the end of this guide, you will clearly understand legal considerations, how to evaluate potential properties, and what the buying process looks like!
Why Buy Land In Texas?
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Texas is not for everyone—especially if you hate wide-open spaces, easy access to city life, and financial perks (haha!). But for most landowners, it is easy to see why so many people are drawn to the Lone Star State. Here is why Texas is one of the best places to buy land:
Location
Texas is one of the most versatile places to own land, offering something for everyone. Texas delivers plenty of wide-open spaces for a weekend retreat, a place to raise livestock year-round, or start a farm. And even if you are in a more rural spot, you are likely just a short drive from vibrant city life—whether that means heading to Houston for the annual Rodeo, spending time at San Antonio’s many family attractions, or enjoying Dallas-Forth Worth’s nightlife. This unique balance of open land and city convenience is what makes Texas so appealing.
No State Income Tax
Along with prime locations, living in Texas means you can keep more of your income. Without a state income tax, many landowners find they have extra room in their budgets for improvements, expansions, or simply enjoying life.
For example, instead of paying thousands to the state, you could use that money to build a pool, upgrade utilities, or plant crops. These financial benefits make a strong case for buying in the owning vs renting debate.
High Growth Potential
Texas' population is expected to grow by 3 to 5 million annually. More people moving in means more demand for land. And since only so much land is available, its value tends to increase over time. Unlike stocks or other investments that can rise and fall unpredictably, land is a steady, long-term asset.
Even if you do not plan to live in Texas, you can still invest in something that historically holds and often grows in value.
Agriculture Opportunities
Texas is a prime location for agriculture, with fertile land for crops and open spaces for livestock. The state offers fertile soil and endless potential to make the most of your land for both large-scale farming and smaller, specialized projects.
Texas is a leader in agricultural exports like meat, cotton, and grains. It also boasts a diverse range of opportunities in specialty crops like pecans, citrus, and wine grapes, thanks to its varied climate zones.
How to Buy Land In Texas
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Buying land in Texas is an exciting opportunity, but the process could feel daunting if you are not sure where to start. In this section, we will walk you through everything you need to know so you can feel confident about making your Texas land purchase.
1. Research and Visit Texas Locations
The first step in buying land is deciding where you want to be! Texas is a big state, and each area offers something unique—like wide-open ranchland, easy access to city life, or being near the water.
Once you have narrowed it down to some general areas, connect with one of our land specialists. They can help you find locations that match your needs, give you insight into what daily life is like in the area, and arrange property visits so you can see the land firsthand.
2. Know Your Land Regulations and Zoning Laws
It is important to understand zoning laws and regulations in Texas early on. These rules dictate how your property can be used for residential, commercial, or agricultural purposes. You can check with the local zoning office or review municipal codes to confirm the land’s permitted uses.
The good news is that buying land through Liberation Ranches comes with minimal restrictions. We help you buy Texas land that you can truly make your own. Each tract of land we offer will have its own available amenities, including options for wells, basic utilities, fencing, driveways, and more for your perfect weekend retreat.
3. Secure Finances
Next, it is time to prepare a way to secure your financing. Make sure to know your credit score, save for a down payment between 15% and 30%, and gather proper documentation. Here are a few options you have once you have collected everything:
Owner Financing
Owner financing allows you to purchase land directly from the land owner—without going through a traditional bank. This option often features flexible down payments, no bank fees, and a faster approval. This option can vary from owner to owner.
For example, the owner financing loans provided by Liberation Ranches are typically structured as traditional mortgages, amortized over the loan's lifetime, with no balloon payments or private mortgage insurance (PMI).
Liberation Ranches owns all of the property they sell–and offers owner financing to every buyer. This makes it easy to buy land in Texas, even without a bank.
Learn more about owner financing with Liberation Ranches.
Bank Loan
Traditional bank loans are another option that typically requires a strong credit score and a substantial down payment. The interest rates can be competitive, but the process involves extensive paperwork and strict credit checks. For example, banks may ask for proof of income, tax returns, and a detailed purpose for the land, such as farming or residential use.
Specialized Land Loan Lenders
Specialized land loan lenders focus specifically on land purchases. They often understand the nuances of land purchases better than traditional banks. While they may offer more flexible loan terms, interest rates can vary widely depending on the land’s intended use and location.
For example, they might require a larger down payment for raw land versus land already improved with utilities or infrastructure. Compare their rates and terms to find the best fit for your needs.
4. Choose Your Land
Now comes the fun part—picking the land that fits your vision! Consider what you plan to do with the land over time. Are you building a home, raising livestock, starting a farm, or just looking for a weekend retreat to enjoy with the family?
Consider the following:
- How improved the land is: Driveways, fencing, water wells, and electricity already being set up can save you a lot of time and money. Properties from Liberation Ranches often include all of these features to make it easier to jump right into your plans.
- Terrain: Flat or hilly land, natural water sources like ponds or rivers, and the type of vegetation all play a role in how the land can be used. For example, grassy areas are great for open, outdoor activities on the weekend, while rocky areas might limit farming options.
- Whether the land is in a floodplain or not: While it might sound like a downside, floodplains can offer perks like fertile soil and open space. It just depends on how you want to use the property.
- Wildlife: If hunting or fishing is part of your vision, look for land with deer, hogs, or fish. Be mindful of potential challenges from animals like feral hogs or coyotes that could impact your property use.
If you have a vision for what you want your land to be—like a peaceful getaway, a family retreat, or agricultural land—but do not know which would fit best, speak to one of our specialists at Liberations Ranches! They can help match you with the perfect property based on your interests, budget, and lifestyle.
5. Sign the Contract
The next step is signing a contract to finalize the agreement. Carefully review the document to confirm it includes all agreed terms, like the purchase price, contingencies, and financing details. You may want to have a lawyer check for discrepancies or unclear terms to protect your long-term interests.
Finally, verify how your deposit will be handled. Once both parties sign, you are ready to move toward closing!
With Liberation Ranches, this means providing earnest money—escrowed to the title company—and loan application fees via cashier’s check or money order.
The title company will review the contract and survey before issuing a title commitment. Ensure the title policy guarantees the property is free from past claims or liens, especially if the land is for investment or in a flood zone. At the same time, the contract and your financials are submitted to a residential mortgage loan originator (RMLO) for a credit check and income review. If you qualify, the RMLO will send a loan disclosure for your signature, outlining preliminary loan terms and estimated closing costs.
It’s important to note that signing the loan disclosures and securing the title commitment does not guarantee approval. Additional underwriting and verification steps must be completed before final approval.
Once these steps are cleared, you will be ready to schedule closing!
6. Close on the Land
Closing is the final step to officially owning your Texas land. Be prepared to pay closing costs, which include title insurance to protect against future ownership disputes and recording fees to document the change of ownership with the county.
You will sign important documents, like the deed, which legally transfers the land to your name. You may want to have a lawyer review these documents again to ensure everything is accurate and secure.
Once all costs are paid and documents are signed, you will receive confirmation of ownership. The deed will be sent to you separately after it has been officially recorded with the county. Congratulations—the land is yours!
Become a Texas Landowner With Liberation Ranches
Now that you have learned everything about buying land in Texas, you are ready to take the first step toward owning your ideal property. Whether you are just beginning your search or already have a specific piece of land in mind, consider Liberation Ranches to make the process as stress-free as possible.
We handle the complex parts of the buying process—from finding the perfect plot to securing flexible owner financing. Imagine working with a team that answers every question, keeps you informed, and helps you feel confident at every stage.
Start your journey with Liberation Ranches today
FAQs on Buying Land in Texas
How much does 1 acre of land cost in Texas?
The price of 1 acre of land in Texas varies widely depending on location, accessibility, and land quality. In rural areas, the median price is around $2,500-$3,000 per acre, but areas closer to major cities like Austin or Dallas can be higher. The discrepancy often comes down to demand. Land near urban areas is more sought after for development or investment, while rural land tends to be more affordable but requires buyers to consider things like accessibility and infrastructure.
Do you have to put 20% down on land in Texas?
While a 20% down payment is common for traditional land loans, it is not always required. Some lenders may ask for 30% or more, depending on the type of land—raw, developed, or with utilities.
If you opt for owner financing, like what Liberation Ranches offers, down payments are often more flexible and tailored to your financial situation. For example, owner financing can make land ownership more accessible for buyers who do not have a large upfront payment ready.
How to buy land without a realtor in Texas?
Buying land without a realtor is entirely possible, but it does require more preparation. You will need to find the property, contact the seller directly, and handle inspections, surveys, and zoning reviews to ensure the land fits your needs. It is also a good idea to hire a lawyer to review contracts and verify the title for added peace of mind.
With Liberation Ranches, the process becomes much, much simpler. As direct owners of the properties, we eliminate the middleman to reduce buying complications and save you time. Our team provides low-pressure support to make land ownership easier and more accessible.
