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Arizona · Apache, Cochise, Mohave & Pima Counties

Owner Financed Land for Sale in Arizona

Parcels in Apache, Cochise, Mohave, and Pima Counties, where the sky runs wide open and you don't need a bank to stand on your own ground in the Southwest.

~$100
Typical down payment
No credit check
Financed direct with us
4 counties
Apache, Cochise, Mohave, Pima
100 days
Peace-of-Mind Guarantee

Arizona is a big state with a lot of different countries inside it. The northeast corner has pine forest, high meadows, and grassland running toward New Mexico, elk territory, the kind of elevation that makes summer feel like fall. The southeast corner is sky-island mountains and high-desert grassland with a long history behind every ridge. The northwest is pure Mojave country, dry and wide, with the Hualapai Mountains cutting up out of the desert floor near Kingman. And down south, outside Tucson, the Sonoran desert does the thing the Sonoran desert does, which is look absolutely nothing like the rest of the state.

Elk hunter, overland camper, off-grid snowbird, guy who just needs a fence-free spot for his ATV and forty-five thousand questions about solar? Y'all are in the right place.

Most folks get started for around $100 down and a one-time doc fee. No credit check, no bank, no song and dance. My team of Land Specialists handles the paperwork. The rest of it is up to you and whichever corner of Arizona called your name.

Active Arizona Land

Every Arizona parcel currently on the market.

Each listing tells you what's on the parcel, what the access is like, what zoning allows, and the exact down payment and monthly payment before you commit.

Showing 6 of 19 parcelsSee all 19
Cholla cactus and ocotillo viewed from the northeast looking back across the parcel in Pima County, Arizona.Pima County, AZ
Homestead & Cabin

A Piece of the Sonoran You Can Actually Afford

Ocotillo, cholla and prickly pear crowd a raised, flat pad across the middle of this acre, the natural spot for a home with a view of the Tucson Mountains. It sits in Diamond Bell Ranch about 33 miles west of Tucson, at 3,297 feet where summers run a little milder. Cell service is strong, and the zoning lets you build when you're ready.

$100/mo
Down payment $100
$8,500 total
1.06 acres
AZPIM-00279
Ground-level view looking southwest from the southwest corner across scattered grasses in Navajo County, Arizona.Navajo County, AZ
Off-Grid

Flat Ground and Full Sun for Your Off-Grid Build

Flat, open ground north of Holbrook, AZ, a little over an acre at about 5,550 feet, with nothing overhead but sky and nothing to hook up to but the sun. There's no HOA, no utility company in the picture, and no clock on when you build. Bring the panels, the water tank, and the plan. The adjoining lot is for sale too.

$75/mo
Down payment $50
$5,450 total
1.29 acres
AZNAV-00759
Ground-level perspective from the northeast corner looking toward the southwest across the parcel in Navajo County, Arizona.Navajo County, AZ
Homestead & Cabin

A Quiet, Level Lot to Retire On North of Holbrook, AZ

A little over an acre of flat, easy ground north of Holbrook, AZ, about 5,550 feet up where summers run milder than the low desert. Dirt roads lead in, there's no HOA, and nothing here runs on anybody's timeline. Put a small home on it, power it with the sun, and let town be a half-hour errand instead of the view out your window. The adjoining lot is for sale too.

$75/mo
Down payment $50
$5,450 total
1.29 acres
AZNAV-00758
Southeast corner facing northwest across open grassland in Navajo County, Arizona.Navajo County, AZ
Homestead & Cabin

A Flat, Drive-Up Homesite South of Winslow, Arizona

Pinto Road, a dirt road, runs right to this one, and the ground behind it is flat enough to set a foundation without arguing with it. It sits about 5,500 feet up in open high desert south of Winslow, AZ, with no HOA and no timeline but yours. Power comes from the sun and water from a haul-and-hold setup to start. The adjoining 2.5 acres are for sale too.

$95/mo
Down payment $100
$6,940 total
2.50 acres
AZNAV-00757
Ground-level view from northwest corner across grassland and brush terrain in Navajo County, Arizona.Navajo County, AZ
Homestead & Cabin

Room to Roam on Rolling High Desert South of Winslow

Rolling high desert a little over 5,300 feet up, with room enough to spread out and still have acreage to spare. It's 5 acres south of Winslow, AZ, reached by Rockwood Drive, a dirt road, with no HOA and nothing on anybody's calendar but yours. Plan on solar, hauled water, and a truck that doesn't mind dirt.

$150/mo
Down payment $100
$10,000 total
5.00 acres
AZNAV-00756
Ground-level perspective from the northeast corner looking toward the opposite corner in Navajo County, Arizona.Navajo County, AZ
Off-Grid

A Seasonal Home Base Near Route 66 and the Painted Desert

Rolling high desert north of Holbrook, AZ, a little over an acre at about 5,550 feet, with the Painted Desert and Petrified Forest National Park about 25 miles east. It sits in the Arizona Rancheros area with no HOA, so a seasonal RV setup on solar makes an easy start, and a cabin can come later.

$65/mo
Down payment $50
$4,730 total
1.25 acres
AZNAV-00755
What It's Like to Own Land in Arizona

Four corners of Arizona, four different reasons to come.

The buyers who come to our Arizona inventory are a different mix than what we see in Oregon or Texas, and that makes sense. Arizona is a different kind of place, and people who want Arizona know they want Arizona.

Up in Apache County, the northeast corner near Show Low and St. Johns, the elevation changes everything. Most of our parcels out there sit in the 6,000-to-7,000-foot range, which means ponderosa pine, open meadow, and temperatures that make July camping a legitimate plan. Elk and antelope move through that country, and a parcel in the right spot functions as a real hunting base camp, something you control inside a region you’re already hunting. The Petrified Forest National Park sits just to the north, which is the kind of neighbor a parcel can have without the parcel owing it anything.

Down in Cochise County, around Sierra Vista and Tombstone, the terrain goes to high-desert grassland with the sky-island mountain ranges rising up out of it. It’s dramatic country without putting on airs about it. Mule deer and javelina move through. The history is loud, even if the land is quiet. Twin Lakes Country Club is the community where our Cochise inventory sits.

Out in Mohave County, near Kingman and Lake Havasu, the Hualapai Mountains give the desert some lift. This is ATV and overland country, the kind of place where a weekend trip becomes a real route if you plan it right. Our Hualapai Highlands and Mead-O-Rama Ranchos parcels are in that stretch of the state.

And down in Pima County, Diamond Bell Ranch sits outside Tucson in the Sonoran desert. The Sonoran is the only desert in the country that grows saguaro cactus, which tells you something about how seriously it takes itself. It’s hot in summer and that’s not a secret, but the winters are mild, the stargazing is serious, and the driving distance from Tucson keeps it accessible.

All four regions share a few things: water comes by well or haul, power comes from solar or a generator, and the access roads get more interesting the closer you get to the parcel. None of that is a problem for the buyers who come looking for Arizona land. Most of them are coming out here because the power grid and city water are what they want a break from.

From day one, you can camp on your parcel, park an RV for the kind of stay your county allows, bring portable solar and trucked-in water, and use the land the way the outdoors is meant to be used. The bigger permanent moves, a well, septic, a foundation, full-time living, those wait until the parcel is paid off and the deed is in your name. Anything in between, a container, a shed, a hunting blind, a fence, needs our written approval, and most of it opens up after some payment history. Your Land Specialist walks you through it.

What buyers actually do out there

From day one
  • Base camp for elk and antelope hunts in Apache County high country
  • Snowbird winters in Sonoran or Cochise sky-island country
  • Overland routes and ATV weekends in Mohave and the Hualapais
  • Camp under some of the darkest skies in the country
  • Bring the family out and watch the sun drop behind saguaros or pine
How Owner Financing Works for Arizona Land Buyers

Four steps, and the deed lands in your name.

Here's how the structure works on every Landopia parcel, Arizona included. You pick a parcel, put a small down payment in, make a monthly payment, and the deed transfers when the note is paid off. No bank, no balloon, no surprise at the end.

  1. Step 1

    Pick a parcel.

    Every Arizona listing spells out the county, terrain, access, and the exact down payment and monthly payment before you commit.

  2. Step 2

    Put a small down payment in.

    A typical down payment runs around $100, plus a one-time doc fee that starts at $250 to get the paperwork moving.

  3. Step 3

    Make a monthly payment.

    Payments are sized so a working family can carry one without it stinging. No bank, no credit check, no proof of income.

  4. Step 4

    Get the deed.

    When the last payment clears, the land is yours, deed transferred. No balloon payment, no surprise fees at the end.

Where the Inventory Sits in Arizona

Four counties, each its own country.

Our Arizona parcels spread across four counties, each with its own character. Apache County anchors the northeast in high pine country. Cochise sits in the sky-island southeast. Mohave runs the northwest Mojave. Pima holds Diamond Bell Ranch outside Tucson.

Apache County

Concho Lakeland

Ponderosa pine and open grassland in the northeast high country, elk and antelope territory near Show Low and St. Johns.

~1 to 2 acres
Apache County

Petrified Forest Estates Unit 3

High-country parcels within reach of Petrified Forest National Park, serious stargazing and manageable summer temperatures.

~1 acre
Cochise County

Twin Lakes Country Club

High-desert grassland near Sierra Vista and Tombstone, sky-island mountains rising up out of it, mild winters and mule deer country.

Around 1 acre
Mohave County

Hualapai Highlands

ATV and overland country near Kingman, Mojave desert floor with the Hualapai Mountains giving the horizon lift.

Larger side
Pima County

Diamond Bell Ranch

Sonoran desert outside Tucson, saguaro country, winter-mild climate, snowbird and retiree favorite.

~1 to 4 acres
Mohave County

Mead-O-Rama Ranchos

Open desert floor with mountain elevation mixed in, the kind of place where a weekend trip becomes a real overland route if you plan it right.

Not Sure Which Fits?

If you're trying to figure out which corner of Arizona lines up with what you've got in mind, the Land Specialists know the inventory. Reach out from any active listing and they'll point you to the right one.

What Real Buyers Have Said

Over 2,000 families and counting.

Larry was amazingly quick to respond to my request - on Memorial Day weekend no less! He walked me through the purchasing process and paperwork, making the entire process painless and easy. I am very satisfied with his 'above client expectations' attitude!

Roy W.

Purchased in Bonanza, OR

Homestead & Cabin

Buying land online for the first time I was very wary of getting scammed. I double-checked Erik's business information and he was very helpful through the whole process at reassuring me. I'm already asking about more land in the surrounding area for another purchase.

Alan L.

Purchased in Hastings, FL

Homestead & Cabin

It was a pleasure dealing with Josh and Erik in regards to my recent land purchase. They bent over backwards to accommodate some significant changes I requested, AFTER I made my deposit. The transaction was flawless, simple and easy and I cannot recommend these gentlemen highly enough.

Martin C.

Purchased in El Paso, TX

Homestead & Cabin
Watch Video Stories from Arizona Buyers
Frequently Asked Questions

Frequently Asked Questions About Buying Arizona Land

Where in Arizona do you have land for sale?

We carry parcels in four counties: Apache County in the northeast (near Show Low, St. Johns, and Concho), Cochise County in the southeast (near Sierra Vista and Tombstone), Mohave County in the northwest (near Kingman and Lake Havasu), and Pima County in the south (outside Tucson). Each county has its own terrain and character.

Why is Arizona land so affordable?

Remote location, sparse infrastructure, and no utilities already run to the parcel. The same things that keep the price reachable are exactly what most of our buyers come out here for.

Can I hunt on my Arizona parcel?

Yes, following Arizona Game and Fish regulations. Apache County has elk and antelope in the high-country grassland. Cochise County has mule deer and javelina. Many buyers use their parcel as a base camp for hunting the surrounding area rather than hunting the parcel itself.

Can I camp on the land before it is paid off?

Yes. You can camp on your parcel, park an RV for the stay length your county allows, bring portable solar, and haul in water from day one. Short stays and outdoor use are what the land is for.

Can I live on the parcel full-time while I'm paying for it?

No. Full-time living and permanent improvements like a well, septic, or foundation wait until the parcel is paid off and the deed is in your name. After that, what you do out there is up to you and the county.

What about a container, shed, or hunting blind during the note?

Often yes, with our okay first. While your note is being paid, anything you want to place on the parcel, a container, shed, hunting blind, or fence, is a quick conversation with your Land Specialist. Most requests get a yes.

Is there water on the land?

Usually not. Arizona land is typically dry, with no well on the parcel. Plan to truck water in or set up rainwater catchment. Each listing tells you what we know about water on that specific parcel.

Do you run credit checks?

No. Owner financing means you finance the parcel directly with us. No bank, no credit pull, no proof of income required.

There is history in the ground out here, older than any subdivision name on any map. The Southwest has been drawing people toward wide sky and open ground for longer than most of us can get our heads around. It might be time to have your own reason to head out this way.

— Erik Peterson, Founder

The Buyers List

See new land before it goes public.

New parcels come in all the time, and the good ones move fast. Join the Buyers List and we will send you a note when land that fits hits the site. A short welcome series, then new land as it comes in. Unsubscribe anytime.

One email at a time. Unsubscribe whenever you like, and we never share your address.

What you get

  • First look at new parcels
    Before they reach the public listings.
  • New land, as it lands
    Deals and new parcels, not filler.
  • A real Land Specialist
    Someone follows up personally if you ask.