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Owner-Financed Land for Sale in Whitley County, Kentucky

15 owner-financed lots for sale in Whitley County, Kentucky on LandyDandy, from $29,900 to $94,900. Typical down payment $999 and monthly payment $370 (median of the 15 listings that show terms). Updated October 16, 2026. Each seller sets the price, down payment, interest rate, term and qualification, and the listing shows them. How owner financing works for land

Jade Pass Tract 35 in Whitley County, KYJade Pass Tract 35 in Whitley County, KY
Jade Pass Tract 35 in Whitley County, KY
Jade Pass Tract 35 in Whitley County, KY+8 Photos
Owner FinanceNo HOA
1 / 12
$46,900·8.84 AcresNo HOA

Owner financing: $999 down / $473/mo

Whitley County · KY

Jade Pass Tract 35 is an 8.84 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, m...

Jade Pass Tract 43 in Whitley County, KYJade Pass Tract 43 in Whitley County, KY
Jade Pass Tract 43 in Whitley County, KY
Jade Pass Tract 43 in Whitley County, KY+8 Photos
Owner FinanceNo HOA
1 / 12
$40,900·6.3 AcresNo HOA

Owner financing: $999 down / $412/mo

Whitley County · KY

Jade Pass Tract 43 is a 6.30 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, mo...

Jade Pass Tract 4 in Whitley County, KYJade Pass Tract 4 in Whitley County, KY
Jade Pass Tract 4 in Whitley County, KY
Jade Pass Tract 4 in Whitley County, KY+7 Photos
Owner FinanceNo HOA
1 / 11
$29,900·5.05 AcresNo HOA

Owner financing: $999 down / $298/mo

Whitley County · KY

Jade Pass Tract 4 is a 5.05 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, mou...

Jade Pass Tract 9 in Whitley County, KYJade Pass Tract 9 in Whitley County, KY
Jade Pass Tract 9 in Whitley County, KY
Jade Pass Tract 9 in Whitley County, KY+6 Photos
Owner FinanceNo HOA
1 / 10
$30,900·5.8 AcresNo HOA

Owner financing: $999 down / $308/mo

Whitley County · KY

Jade Pass Tract 9 is a 5.80 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, mou...

Jade Pass Tract 8 in Whitley County, KYJade Pass Tract 8 in Whitley County, KY
Jade Pass Tract 8 in Whitley County, KY
Jade Pass Tract 8 in Whitley County, KY+7 Photos
Owner FinanceNo HOA
1 / 11
$36,900·7 AcresNo HOA

Owner financing: $999 down / $370/mo

Whitley County · KY

Jade Pass Tract 8 is a 7.00 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, mou...

Jade Pass Tract 20 in Whitley County, KYJade Pass Tract 20 in Whitley County, KY
Jade Pass Tract 20 in Whitley County, KY
Jade Pass Tract 20 in Whitley County, KY+7 Photos
Owner FinanceNo HOA
1 / 11
$80,900·18.8 AcresNo HOA

Owner financing: $999 down / $824/mo

Whitley County · KY

Jade Pass Tract 20 is an 18.80 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, ...

Jade Pass Tract 36 in Whitley County, KYJade Pass Tract 36 in Whitley County, KY
Jade Pass Tract 36 in Whitley County, KY
Jade Pass Tract 36 in Whitley County, KY+6 Photos
Owner FinanceNo HOA
1 / 10
$67,900·14.3 AcresNo HOA

Owner financing: $999 down / $690/mo

Whitley County · KY

Jade Pass Tract 36 is a 14.30 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, m...

Jade Pass Tract 12 in Whitley County, KYJade Pass Tract 12 in Whitley County, KY
Jade Pass Tract 12 in Whitley County, KY
Jade Pass Tract 12 in Whitley County, KY+7 Photos
Owner FinanceNo HOA
1 / 11
$33,900·6.1 AcresNo HOA

Owner financing: $999 down / $339/mo

Whitley County · KY

Jade Pass Tract 12 is a 6.10 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, mo...

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Jade Pass Tract 7 in Whitley County, KYJade Pass Tract 7 in Whitley County, KY
Jade Pass Tract 7 in Whitley County, KY
Jade Pass Tract 7 in Whitley County, KY+9 Photos
Owner FinanceNo HOA
1 / 13
$36,900·7.02 AcresNo HOA

Owner financing: $999 down / $370/mo

Whitley County · KY

Jade Pass Tract 7 is a 7.02 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, mou...

Jade Pass Tract 42 in Whitley County, KYJade Pass Tract 42 in Whitley County, KY
Jade Pass Tract 42 in Whitley County, KY
Jade Pass Tract 42 in Whitley County, KY+10 Photos
Owner FinanceNo HOA
1 / 14
$37,900·6.33 AcresNo HOA

Owner financing: $999 down / $381/mo

Whitley County · KY

Jade Pass Tract 42 is a 6.33 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, mo...

Jade Pass Tract 16 in Whitley County, KYJade Pass Tract 16 in Whitley County, KY
Jade Pass Tract 16 in Whitley County, KY
Jade Pass Tract 16 in Whitley County, KY+7 Photos
Owner FinanceNo HOA
1 / 11
$29,900·5.05 AcresNo HOA

Owner financing: $999 down / $298/mo

Whitley County · KY

Jade Pass Tract 16 is a 5.05 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, mo...

Jade Pass Tract 27 in Whitley County, KYJade Pass Tract 27 in Whitley County, KY
Jade Pass Tract 27 in Whitley County, KY
Jade Pass Tract 27 in Whitley County, KY+9 Photos
Owner FinanceNo HOA
1 / 13
$67,900·9.21 AcresNo HOA

Owner financing: $999 down / $690/mo

Whitley County · KY

Jade Pass Tract 27 is a 9.21 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, mo...

Jade Pass Tract 13 in Whitley County, KYJade Pass Tract 13 in Whitley County, KY
Jade Pass Tract 13 in Whitley County, KY
Jade Pass Tract 13 in Whitley County, KY+7 Photos
Owner FinanceNo HOA
1 / 11
$35,900·6.46 AcresNo HOA

Owner financing: $999 down / $360/mo

Whitley County · KY

Jade Pass Tract 13 is a 6.46 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, mo...

Jade Pass Tract 14 in Whitley County, KYJade Pass Tract 14 in Whitley County, KY
Jade Pass Tract 14 in Whitley County, KY
Jade Pass Tract 14 in Whitley County, KY+7 Photos
Owner FinanceNo HOA
1 / 11
$33,900·6.16 AcresNo HOA

Owner financing: $999 down / $339/mo

Whitley County · KY

Jade Pass Tract 14 is a 6.16 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, mo...

Jade Pass Tract 21 in Whitley County, KYJade Pass Tract 21 in Whitley County, KY
Jade Pass Tract 21 in Whitley County, KY
Jade Pass Tract 21 in Whitley County, KY+6 Photos
Owner FinanceNo HOA
1 / 10
$94,900·23.09 AcresNo HOA

Owner financing: $999 down / $969/mo

Whitley County · KY

Jade Pass Tract 21 is a 23.09 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, m...

Owner financing terms in Whitley County, Kentucky

Terms as each seller entered them (down payment, monthly payment on the seller's longest term). Updated October 16, 2026.

ListingPriceDownMonthlyTerm
Jade Pass Tract 35$46,900$999$473/mo20 yr
Jade Pass Tract 43$40,900$999$412/mo20 yr
Jade Pass Tract 4$29,900$999$298/mo20 yr
Jade Pass Tract 9$30,900$999$308/mo20 yr
Jade Pass Tract 8$36,900$999$370/mo20 yr
Jade Pass Tract 20$80,900$999$824/mo20 yr
Jade Pass Tract 36$67,900$999$690/mo20 yr
Jade Pass Tract 12$33,900$999$339/mo20 yr
Jade Pass Tract 7$36,900$999$370/mo20 yr
Jade Pass Tract 42$37,900$999$381/mo20 yr

Owner-financed land in Whitley County, Kentucky: questions

How many owner-financed land listings are for sale in Whitley County, Kentucky?
LandyDandy lists 15 land listings for sale in Whitley County, Kentucky whose seller offers owner financing. The count changes as sellers add and sell land.
Do sellers check credit for owner-financed land in Whitley County, Kentucky?
Each seller decides. Some sellers qualify buyers on the down payment and payment plan, and others run a credit check. Ask the seller before you make an offer.
How does owner financing work for land?
The seller carries the loan instead of a bank. You pay a down payment and then monthly payments to the seller. The seller sets the price, interest rate, term and any fees, and each listing shows them.
Should I use a title company when I buy owner-financed land?
Yes. LandyDandy recommends a title company or real estate attorney for every purchase: they check that the seller owns the land, record the deed or contract, and can hold your payments. LandyDandy verifies only the email address of each account.
How do I contact the seller of an owner-financed lot?
Open the listing and use Message seller or Make an offer. Your message goes to the seller directly, and you can ask about the terms, the payment plan and how they qualify buyers before you pay anything.

Is Whitley County Land a Good Investment?

The Whitley County land market generated $6.1M in total sales volume over the last year, signaling strong liquidity. We have tracked 29 new listings entering the market in just the last 90 days. With a median asking price per acre of $38,889, for a typical 1.0-acre parcel, buyers should be prepared to act reasonably fast on quality deals. Currently, the most active brokerage moving land in this region is CENTURY 21 Advantage Realty, a key player to watch for off-market or new inventory. Want to learn more about the Whitley County market? Check out our Whitley County Land Market Insights.

Whitley County Properties By Type

Land For Sale in Kentucky Counties