{"id":104604,"date":"2025-08-05T12:27:49","date_gmt":"2025-08-05T19:27:49","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=104604"},"modified":"2025-08-05T12:28:36","modified_gmt":"2025-08-05T19:28:36","slug":"buying-rural-property-a-complete-guide-before-you-buy","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/buying-rural-property\/","title":{"rendered":"Buying Rural Property: A Complete Guide Before You Buy"},"content":{"rendered":"<div class=\"rkt-Body-16 rsc-copy\">\n<p>Buying a piece of rural property is a dream for many people. Some envision starting a hobby farm or evolving into a working farm. Others see themselves owning a cabin on the lake where they can bring their family on the weekends.<\/p>\n<p>But there\u2019s a lot to know about buying rural property. Before you start searching for that parcel of rural land that aligns with your dream, you must know what to expect and the hurdles you might encounter.<\/p>\n<p>Your very first step before buying a rural property should be to set clear goals. You should know from the start what you plan to do with your new property so you can create a realistic budget and consider your financing options.<\/p>\n<p>Use these 10 tips to help minimize the potential stress of buying rural land and know how to clear any hurdles that come across your path.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-95368\" src=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2024\/06\/shutterstock_1780017860.jpg\" alt=\"farmland idaho\" width=\"1200\" height=\"800\" srcset=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2024\/06\/shutterstock_1780017860.jpg 1200w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2024\/06\/shutterstock_1780017860-300x200.jpg 300w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2024\/06\/shutterstock_1780017860-1024x683.jpg 1024w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2024\/06\/shutterstock_1780017860-768x512.jpg 768w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2024\/06\/shutterstock_1780017860-225x150.jpg 225w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2024\/06\/shutterstock_1780017860-945x630.jpg 945w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2024\/06\/shutterstock_1780017860-450x300.jpg 450w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<\/div>\n<div class=\"rkt-Body-16 rsc-copy\">\n<h3>1. Decide what type of rural property you want to own<\/h3>\n<p>Rural properties offer a diverse range of options. You can use some properties to build a primary residence and others to do business. Because you\u2019ll need different types of financing for different uses, it\u2019s important to know ahead of time what you want to use your rural property for.<\/p>\n<ul>\n<li><strong>An affordable home:\u00a0<\/strong>Most rural homes are built in\u00a0popular house styles, such as Cape Cod and ranch-style homes.<\/li>\n<li><strong>A weekender property:\u00a0<\/strong>A weekender property is typically a\u00a0vacation home\u00a0for getaways and outdoor activities, such as hiking, swimming or gardening.<\/li>\n<li><strong>A hobby farm:\u00a0<\/strong>A hobby farm is a small-scale farm. It can be a few acres or up to 50 acres. Owners run the farm as a passion project rather than a profit-earning venture. The activities on a hobby farm don\u2019t count as a business activity for tax purposes.<\/li>\n<li><strong>A working farm:<\/strong>\u00a0Many people\u00a0purchase working farms\u00a0and ranches to grow produce or raise livestock. Working farms are larger than hobby farms, averaging around 464 acres in 2023. The IRS classifies working farms as a business because they make a profit. Buying a working farm may require special financing.<\/li>\n<li><strong>A self-sufficient property:\u00a0<\/strong>Self-sufficient properties can generate their own power \u2013 often relying on\u00a0off-grid\u00a0solar or wind technologies. Owners typically live a homesteading lifestyle, raising animals and growing vegetables.<\/li>\n<li><strong>Raw land:<\/strong>\u00a0Some buyers\u00a0buy land\u00a0to build a home rather than\u00a0purchase an existing home. Investors typically purchase raw land to buy and hold or flip the property. Many buyers keep the property until the value increases, and they can sell for a profit.<\/li>\n<li><strong>Rental or investment property:\u00a0<\/strong>Common examples of\u00a0rental or investment properties\u00a0include short-term and long-term rentals. Short-term rentals, like\u00a0Airbnb\u00a0listings, cater to vacationers. Long-term rentals\u00a0lease a property\u00a0to tenants for extended periods, usually around 1 year.<\/li>\n<\/ul>\n<h3>2. Learn how to find rural homes for sale<\/h3>\n<p>After pinpointing the right property type, the next step will be to find the right property. If you\u2019re new to the area or buying real estate, you may need some help figuring out where to find rural real estate for sale.<\/p>\n<p>One of the best strategies is to talk with a local expert. Local\u00a0<a href=\"https:\/\/www.redfin.com\/real-estate-agents\" data-wpel-link=\"exclude\">real estate agents<\/a> can offer valuable insight into finding the perfect property.<\/p>\n<h3>3. Scope out land options and consider locations<\/h3>\n<p>Some fundamentals of shopping for a home apply to shopping for land. Just as it isn\u2019t wise to buy a home without extensive research and understanding the state of the market, you shouldn\u2019t purchase rural land without doing your homework.<\/p>\n<p>Shop around to get an idea of locations that fit your lifestyle and offer the features you want. Shopping around can also help you identify the areas that don\u2019t align with your goals.<\/p>\n<p>The right parcel of land will depend on what you plan to use the land for.<\/p>\n<p>If you\u2019re\u00a0buying land to build a house, confirm the lot is suited for construction and consider the cost of clearing and grading the land. If you\u2019re buying land to farm on, ensure the soil is suitable for farming. Your research should also include learning about any easements that may limit your land use.<\/p>\n<h3>4. Browse lenders and loan options<\/h3>\n<p>Most buyers can\u2019t afford to buy a piece of property in cash. Most prospective landowners need to shop around for a loan. When applying for a loan for land, a lender will likely require you to outline your intended use for the property. Financing for a\u00a0primary residence, rental or business property will likely differ significantly and offer unique advantages associated with the property\u2019s use.<\/p>\n<p>For instance, if your primary interest is a primary residence, the federal government offers\u00a0U.S. Department of Agriculture (USDA) loans\u00a0to help low- to moderate-income families buy or build homes in eligible rural areas.<\/p>\n<h4>USDA loan property eligibility requirements<\/h4>\n<p>The home must be a primary residence\u00a0in a USDA-approved area\u00a0to qualify for USDA financing and meet the following property requirements:<\/p>\n<ul>\n<li>Structural requirements, such as an adequate foundation and roofing<\/li>\n<li>Functional heating, cooling and electrical systems<\/li>\n<li>Adequate water supply and plumbing for waste removal systems<\/li>\n<li>Accessible from a road, street, driveway, etc.<\/li>\n<li>Working doors and windows<\/li>\n<\/ul>\n<p>The federal government also offers loans for individuals who want to buy rural property to use as a primary residence and a farm. Research your options to see which loan program you may qualify for.<\/p>\n<h3>5. Be aware of codes and restrictions<\/h3>\n<p>Before buying property, research local codes and zoning and check into any restrictions or\u00a0encumbrances. In some areas, rural zoning limits how much you can develop a piece of land. These laws are intended to preserve open land but could be a nasty surprise if you bought the land intending to build on it.<\/p>\n<p>Here are some zoning code categories that can restrict usage on a plot of land:<\/p>\n<ul>\n<li>Residential<\/li>\n<li>Commercial<\/li>\n<li>Industrial<\/li>\n<li>Agricultural<\/li>\n<li>Historic<\/li>\n<\/ul>\n<p>A single zoning category can have even more subcategories. For example, a residential zone may be classified as single-family, suburban or multifamily, restricting your potential use of the property for other purposes.<\/p>\n<p>Another factor to look out for is local building codes. Whether you\u2019re buying or building a residential, multifamily or commercial structure, it must meet its code requirements. Check with your local government to learn more.<\/p>\n<p>Finally, you should do your homework on\u00a0property lines. Determining where one property ends and another begins in rural areas is a common challenge. Before you close on a property, request the property\u2019s boundaries from the county assessor\u2019s office. You may learn that the land isn\u2019t as large as you thought. Or you may discover that what you thought was your property is part of a local park or its right of way that you maintain, but the city owns it.<\/p>\n<h3>6. Research grants and specialized loans<\/h3>\n<p>Buyers interested in purchasing rural land can look into many grants and financing options intended for land purchases. It\u2019s vital to research your options before you buy rural land.<\/p>\n<p>The USDA offers grants for certain types of land, such as land for growers of a particular specialty crop, including fruits, vegetables and tree nuts. Individuals interested in building community facilities or starting small businesses can also research available grants.<\/p>\n<p>Other financing assistance includes farm loans for family-size farmers who don\u2019t qualify for a commercial loan and loans for beginning farmers and ranchers. Browse the\u00a0USDA\u2019s list of grants and loans\u00a0to see what else you may be eligible for.<\/p>\n<h3>7. Know what tax breaks to expect<\/h3>\n<p>You may be eligible for some tax breaks depending on where you live and what you use your rural property for.<\/p>\n<p>The IRS allows businesses to deduct expenses associated with running the business. If you\u2019re running a business on your land, you should be able to deduct ordinary and necessary expenses for your business.<\/p>\n<p>Some property tax exemptions can help lower your tax bill. Farmers may be eligible for agricultural property tax breaks. Depending on the state, farmers may also be eligible for\u00a0green energy equipment exemptions\u00a0or for agreeing not to develop land.<\/p>\n<h3>8. Set a maintenance budget<\/h3>\n<p>The upkeep of rural property usually requires a substantial amount of money. If you own a large acreage property, you\u2019ll likely need to invest in heavy-duty equipment to maintain the land. Add checking out the equipment and storage facilities already on a property to your property shopping checklist.<\/p>\n<p>If you\u2019re buying rural land for commercial reasons, you\u2019ll have even more expenses, including buying additional equipment and other business operations expenses.<\/p>\n<p>If you underestimate the maintenance cost of your land or house, you may find yourself staring at an unexpectedly large bill to cover. When you estimate your monthly budget, include a generous budget line item for maintenance.<\/p>\n<h3>9. Review available utilities<\/h3>\n<p>Rural living often means relying on private\u00a0well water,\u00a0septic tank\u00a0systems and heating from oil or propane. But in some communities, municipal utilities are available. Learn which utilities connect to the property and which an owner must generate independently.<\/p>\n<h3>10. Look for an experienced REALTOR\u00ae<\/h3>\n<p>Working with an experienced and knowledgeable\u00a0real estate agent\u00a0can make or break your property purchase. Interview multiple agents and prepare a list of applicable questions to ask to help narrow your search.<\/p>\n<h2>The bottom line: Understanding a rural property ensures country life is right for you<\/h2>\n<p>A good plan can be the difference between a smooth or a rocky experience when buying rural property. Decide what type of property you need and create a realistic budget for purchasing and maintaining the property.<\/p>\n<p>Shop around for lenders, loan options and grants. Research local codes, zoning regulations and other restrictions that may turn your adventure into a disaster or an expensive misstep.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Learn the 10 key steps to buying rural property, from financing and zoning to finding the right land for a home, farm, or vacation getaway<\/p>\n","protected":false},"author":820,"featured_media":95368,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[34276],"tags":[36533],"coauthors":[36424],"class_list":["post-104604","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying-a-home","tag-buying-a-home"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Buying Rural Property: A Complete Guide Before You Buy | Redfin<\/title>\n<meta name=\"description\" content=\"Learn the 10 key steps to buying rural property, from financing and zoning to finding the right land for a home, farm, or vacation getaway\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.redfin.com\/blog\/buying-rural-property\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Buying Rural Property: A Complete Guide Before You Buy\" \/>\n<meta property=\"og:description\" content=\"Learn the 10 key steps to buying rural property, from financing and zoning to finding the right land for a home, farm, or vacation getaway\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.redfin.com\/blog\/buying-rural-property\/\" \/>\n<meta property=\"og:site_name\" content=\"Redfin | Real Estate Tips for Home Buying, Selling &amp; 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