Owner Financed Land for Sale Near Dallas, Texas (2026): Drive Times and Prices
Every owner-financed tract TerraFunded has available today, with the real drive time from downtown Dallas, the cash price and how buying works.
Rodrigo Blanco, Founder & CEO of TerraFunded
Published: 2026-11-10 · Updated: 2026-11-10
The closest owner-financed land TerraFunded has to Dallas today is in Winnsboro (Franklin County), 1 hour 44 minutes and 103 miles from downtown; the rest of our available tracts are 1 hour 54 minutes to 2 hours 46 minutes away, priced from $98,000 to $130,000 cash, and every tract is 10.01 acres or more.
In short
- Closest to Dallas: Winnsboro and Franklin 1 (Franklin County), 1 h 44 min east on I-30. Next: Titus, near Mount Pleasant, 1 h 54 min.
- Northwest and south: Wichita Falls (Clay County) 2 h 5 min, Moccasin near Gatesville (Coryell County) 2 h 12 min, Promised Valley and Olney (Young County) about 2 h 17 min.
- Prices today: $98,000 to $130,000 cash. Each tract also has a financed price, about 20% higher, with 10% fixed interest over 10 or 15 years and approval in-house, without a bank.
- What you get: 10.01 acres or more, no HOA, not in a flood zone, and a warranty deed in your name at closing.
- Updated November 10, 2026. Drive times measured by us in Google Maps; prices from our live inventory feed.
How far from Dallas is each owner-financed tract?
We measured every route ourselves in Google Maps, from downtown Dallas (Dallas City Hall) to the tract's coordinates, on the evening of November 9, 2026, with light traffic. We list the fastest route Google offered.
| Tract | Nearest town | County | Drive from downtown Dallas | Miles | Cash price |
|---|---|---|---|---|---|
| Winnsboro | Winnsboro | Franklin | 1 h 44 min | 103 | $120,000 |
| Franklin 1 | Winnsboro | Franklin | 1 h 44 min | 103 | $120,000 |
| Titus | Mount Pleasant | Titus | 1 h 54 min | 120 | $120,000 |
| Lakeview | Pittsburg | Titus | 2 h 2 min | 127 | $122,400 |
| Wichita Falls | Wichita Falls | Clay | 2 h 5 min | 134 | $98,000 |
| Moccasin | Gatesville | Coryell | 2 h 12 min | 126 | $130,000 |
| Promised Valley | Olney | Young | 2 h 17 min | 137 | $99,000 |
| Olney | Olney | Young | 2 h 18 min | 140 | $99,000 |
| Linden | Linden | Cass | 2 h 46 min | 167 | $112,500 |
Rush hour on I-30, I-35E or US-287 can add a lot to these times. If you plan to commute, drive the route on a weekday morning before you reserve.
Which owner financed land is closest to Dallas?
East on I-30 is the shortest drive. Winnsboro and Franklin 1 are just outside Winnsboro, a small East Texas town with Lake Fork nearby, 1 hour 44 minutes from downtown. Titus is a few minutes from Mount Pleasant, the Titus County seat, at 1 hour 54 minutes, and Lakeview, near Pittsburg, is about 2 hours out on the same corridor.
If you want the lowest cash price instead of the shortest drive, look northwest: Wichita Falls ($98,000) and the two Young County properties near Olney ($99,000 each) are about 2 hours to 2 hours 20 minutes from Dallas.
What owner financing near Dallas costs today
Every tract has two prices: a cash price and a financed price that is about 20% higher. If you finance, the terms are the same on every tract: 10% fixed interest, a 10-year or 15-year term, a down payment of 5%, 10% or 20% of the financed price, and no penalty for paying early. The table below comes straight from our live inventory, so it is always today's numbers.
| Tract | County | Cash price | Financed price | Down payment | Monthly, 15 years | Monthly, 10 years |
|---|---|---|---|---|---|---|
| Wichita Falls (10 acres) | Clay | $98,000 | $117,576 | $6,000 | $1,199 | $1,474 |
| Olney (10 acres) | Young | $99,000 | $118,800 | $5,940 | $1,213 | $1,491 |
| Promised Valley (10 acres) | Young | $99,000 | $117,576 | $6,000 | $1,199 | $1,474 |
| Marshall (10 acres) | Harrison | $110,000 | $132,000 | $6,600 | $1,348 | $1,657 |
| Linden (10 acres) | Cass | $112,500 | $137,187 | $7,000 | $1,399 | $1,720 |
| Winnsboro (10 acres) | Franklin | $120,000 | $143,701 | $7,000 | $1,469 | $1,807 |
| Franklin 1 (10 acres) | Franklin | $120,000 | $143,701 | $7,000 | $1,469 | $1,807 |
| Titus (10 acres) | Titus | $120,000 | $137,187 | $7,000 | $1,399 | $1,720 |
| Lakeview (10 acres) | Titus | $122,400 | $146,993 | $7,500 | $1,499 | $1,843 |
| Moccasin (10 acres) | Coryell | $130,000 | $156,799 | $8,000 | $1,599 | $1,966 |
For the full math on one tract, from the down payment to the last payment, read how much 10 acres costs with owner financing.
Why most owner financed land "in Dallas" is a small lot
Inside Dallas County, owner-financed listings are mostly city lots. When we searched Bing and Google for "owner financed land for sale near Dallas Texas" on November 9, 2026, the portal results inside Dallas County were mainly residential lots of under an acre. Ten acres or more with owner financing starts an hour or more out, in the counties around the Metroplex.
That is the trade-off: the closer to Dallas, the smaller the lot and the higher the price per acre. For regional price ranges, see how much 10 acres of land costs in Texas.
East Texas, North Texas or Central Texas: which direction from Dallas?
- East (I-30): Franklin, Titus and Cass counties. Pine and hardwood country with lakes; the shortest drives from Dallas. See Franklin County, Titus County and Cass County.
- Northwest (US-287 and US-380): Clay and Young counties. Open, drier country; the lowest cash prices today. See Clay County and Young County.
- South (I-35E): Coryell County. Central Texas, near Gatesville, with Waco and Killeen about an hour away. See Coryell County.
What you can do on the land
On every TerraFunded tract you can build a house, place a mobile home or an RV, camp, hunt and keep animals. There is no HOA and no tract is in a flood zone. No tract has a septic system installed, so if you build you will need one; see septic systems on rural Texas land.
How buying works, from Dallas
- Visit the land. Every tract is a day trip from Dallas. Our 2-hour on-site routine tells you what to check.
- Reserve it with a $1,000 deposit. It is non-refundable and goes toward your down payment.
- Close in about 3 weeks at a licensed Texas title company. You receive a warranty deed in your name and an owner's title insurance policy, and you sign a deed of trust and a promissory note.
- Make your monthly payments, or pay off early with no penalty.
Step by step: closing on owner-financed land in Texas.
Frequently asked questions
Is there owner financed land for sale in Dallas County?
Yes, but in our November 2026 search it was mostly small city lots of under an acre. TerraFunded's tracts are all 10.01 acres or more and start 1 hour 44 minutes from downtown Dallas.
What is the closest owner financed land to Dallas that TerraFunded sells?
Winnsboro and Franklin 1, in Franklin County: 103 miles and 1 hour 44 minutes from downtown Dallas on I-30.
Do I need a bank loan to buy one of these tracts?
No. TerraFunded finances the purchase itself and approves it in-house, without a bank.
How do I know a seller near Dallas is legitimate?
Check the company with the Texas Secretary of State, the owner with the county, and close only through a licensed Texas title company. Our 8-check guide walks through each step.
Sources
- Drive times and miles: Google Maps, fastest route from Dallas City Hall (1500 Marilla St, Dallas, TX 75201) to each tract's coordinates, measured November 9, 2026, evening, light traffic.
- Prices and financing terms: TerraFunded live inventory feed, https://terrafunded.com/api/properties.json, read November 10, 2026.
- Related: Owner-financed land in Texas, Owner financing vs a bank mortgage, All available tracts.
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