LandyDandy

Owner-Financed Land for Sale in Luna County, New Mexico

35 owner-financed lots for sale in Luna County, New Mexico on LandyDandy, from $1,249 to $16,975. Typical down payment $79 and monthly payment $106 (median of the 35 listings that show terms). Updated November 8, 2026. Each seller sets the price, down payment, interest rate, term and qualification, and the listing shows them. How owner financing works for land

Luna, NM -3034155308210 in Luna County, NMLuna, NM -3034155308210 in Luna County, NM
Luna, NM -3034155308210 in Luna County, NM
Luna, NM -3034155308210 in Luna County, NM+6 Photos
Owner FinanceRoad Access
1 / 10
$1,249·0.5 Acres

Owner financing: $99 down / $33/mo

SUNSHINE VALLEY RANCHETTES UNIT 17 BLOCK 5 TRACT 25 · Luna County · NM

Build. Camp. Escape. Own 0.50 Acres in Luna County for Just $49/Month 2075 Bronce Rd SW, Deming, NM 88030 Cash Price: $1,299 Finding the perfect pi...

10 Acres in Luna County, NM in Luna County, NM10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM+26 Photos
Owner FinanceNo HOA
1 / 30
$8,999·10 AcresNo HOA

Owner financing: $1 down / $106/mo

Luna County · NM

This is a great opportunity to own your own ranch! This 10-acre lot, located in the Southwestern corner of New Mexico, is rich with history, atmosp...

10 Acres in Luna County, NM in Luna County, NM10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM+16 Photos
Owner FinanceNo HOA
1 / 20
$8,999·10 AcresNo HOA

Owner financing: $1 down / $106/mo

Luna County · NM

This is a great opportunity to own your own ranch! This 10-acre lot, located in the Southwestern corner of New Mexico, is rich with history, atmosp...

Tiny Home-Friendly Half-Acre Lot in Deming Ranchettes, NM in Luna County, NMTiny Home-Friendly Half-Acre Lot in Deming Ranchettes, NM in Luna County, NM
Tiny Home-Friendly Half-Acre Lot in Deming Ranchettes, NM in Luna County, NM
Tiny Home-Friendly Half-Acre Lot in Deming Ranchettes, NM in Luna County, NM+9 Photos
Owner Finance
1 / 13
$1,399·0.54 Acres

Owner financing: $79 down / $59/mo

Luna County · NM

Unlock the potential of Luna County, New Mexico with this 0.539-acre parcel in the peaceful Deming Ranchettes subdivision! Perfect for those seekin...

10 Acres in Luna County, NM in Luna County, NM10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM+15 Photos
Owner FinanceNo HOA
1 / 19
$8,999·10 AcresNo HOA

Owner financing: $1 down / $106/mo

Luna County · NM

This is a great opportunity to own your own ranch! This 10-acre lot, located in the Southwestern corner of New Mexico, is rich with history, atmosp...

10 Acres in Luna County, NM in Luna County, NM10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM+11 Photos
Owner FinanceNo HOA
1 / 15
$9,999·10 AcresNo HOA

Owner financing: $1 down / $116/mo

Luna County · NM

This is a great opportunity to own your own ranch! This 10-acre lot, located in the Southwestern corner of New Mexico, is rich with history, atmosp...

Half-Acre Residential Lot in Deming Ranchettes, NM in Luna County, NMHalf-Acre Residential Lot in Deming Ranchettes, NM in Luna County, NM
Half-Acre Residential Lot in Deming Ranchettes, NM in Luna County, NM
Half-Acre Residential Lot in Deming Ranchettes, NM in Luna County, NM+5 Photos
Owner Finance
1 / 9
$1,399·0.5 Acres

Owner financing: $79 down / $59/mo

Luna County · NM

Looking for the perfect spot to build your dream home or a peaceful weekend retreat? This 0.5-acre lot in Deming Ranchettes Unit 18, Luna County, N...

Half-Acre Lot on Alma St SE, Deming Ranchettes, NM in Luna County, NMHalf-Acre Lot on Alma St SE, Deming Ranchettes, NM in Luna County, NM
Half-Acre Lot on Alma St SE, Deming Ranchettes, NM in Luna County, NM
Half-Acre Lot on Alma St SE, Deming Ranchettes, NM in Luna County, NM+7 Photos
Owner Finance
1 / 11
$1,399·0.5 Acres

Owner financing: $79 down / $59/mo

Alma St SE · Luna County · NM

Ready to build your dream home or a peaceful weekend getaway? This 0.5-acre lot in Deming Ranchettes Unit 18, Luna County, New Mexico offers flat, ...

Recently Added

View all
Luxury Meets Lake Life — Your Crown Lake Property Awaits
0.45 Acres • Two Adjoining Lots • 313' of Paved-Road Frontage • Single-Family Residential Zoning • Cleared & Outside the Flood Zone • Growing Hempstead/Waller County Location • Owner Financing Available
Residential property ready to build your next home in Van Buren County near Greer Lake! Power, water and sewer at the street! APN 4050-12067-000
A Front-Row View of Crown Lake — Build Your Dream Getaway in One of Horseshoe Bend's Finest Neighborhoods
10 Acres in Luna County, NM in Luna County, NM10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM+14 Photos
Owner FinanceNo HOA
1 / 18
$8,999·10 AcresNo HOA

Owner financing: $1 down / $106/mo

Luna County · NM

This is a great opportunity to own your own ranch! Dollar Land Store is offering this 10-acre lot, located in the Southwestern corner of New Mexico...

10 Acres in Luna County, NM in Luna County, NM10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM+7 Photos
Owner FinanceNo HOA
1 / 11
$8,999·10 AcresNo HOA

Owner financing: $1 down / $106/mo

Luna County · NM

This is a great opportunity to own your own ranch! Dollar Land Store is offering this 10-acre lot, located in the Southwestern corner of New Mexico...

10 Acres in Luna County - Space, Location & Long-Term Potential in Luna County, NM10 Acres in Luna County - Space, Location & Long-Term Potential in Luna County, NM
10 Acres in Luna County - Space, Location & Long-Term Potential in Luna County, NM
10 Acres in Luna County - Space, Location & Long-Term Potential in Luna County, NM+26 Photos
Owner FinanceNo HOA
1 / 30
$16,975·10.0019 AcresNo HOA

Owner financing: $297 down / $391/mo

DEMING, NM 88030 · Luna County · NM

10 acres. Wide-open land. Mountain views. And plenty of room to think beyond today. If you're an investor, developer, builder, or land buyer lookin...

Half-Acre Lot on San Francisco Rd SW, Deming Ranchettes, NM in Luna County, NMHalf-Acre Lot on San Francisco Rd SW, Deming Ranchettes, NM in Luna County, NM
Half-Acre Lot on San Francisco Rd SW, Deming Ranchettes, NM in Luna County, NM
Half-Acre Lot on San Francisco Rd SW, Deming Ranchettes, NM in Luna County, NM+3 Photos
Owner Finance
1 / 7
$1,399·0.5 Acres

Owner financing: $79 down / $59/mo

San Francisco Rd SW · Luna County · NM

Looking for the perfect spot to build your dream home or a peaceful weekend retreat? This 0.5-acre lot in Deming Ranchettes Unit 60, Luna County, N...

What Kind Of Future Are You Building? in Luna County, NMWhat Kind Of Future Are You Building? in Luna County, NM
What Kind Of Future Are You Building? in Luna County, NM
What Kind Of Future Are You Building? in Luna County, NM+18 Photos
Owner FinanceCamping
1 / 22
$1,850·0.5 Acres

Owner financing: $75 down / $126/mo

DEMING, NM 88030 · Luna County · NM

What Kind Of Future Are You Building? Have you thought about where life is taking you? Will the place you call home today still be the place where ...

Deming Ranchettes - Unit 127 Block 6 Lot 7 in Luna County, NMDeming Ranchettes - Unit 127 Block 6 Lot 7 in Luna County, NM
Deming Ranchettes - Unit 127 Block 6 Lot 7 in Luna County, NM
Deming Ranchettes - Unit 127 Block 6 Lot 7 in Luna County, NM
Owner Finance
1 / 3
$1,327·0.5 Acres

Owner financing: $99 down / $63/mo

Luna County · NM

Deming Ranchettes is a sparsely developed subdivision outside of Deming in Luna County, New Mexico. This is a pretty area with great views of the n...

Deming Ranchettes - Unit 116 Block 1 Lot 5 in Luna County, NMDeming Ranchettes - Unit 116 Block 1 Lot 5 in Luna County, NM
Deming Ranchettes - Unit 116 Block 1 Lot 5 in Luna County, NM
Deming Ranchettes - Unit 116 Block 1 Lot 5 in Luna County, NM
Owner Finance
1 / 3
$1,777·0.5 Acres

Owner financing: $99 down / $86/mo

Luna County · NM

This approximately 0.5 acre recreational and residential property has frontage on Palo Alto Road SE, a good road. It is only 4 lots away from the i...

10 Acres in Luna County, NM in Luna County, NM10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM+7 Photos
Owner FinanceNo HOA
1 / 11
$8,999·10 AcresNo HOA

Owner financing: $1 down / $106/mo

Luna County · NM

This is a great opportunity to own your own ranch! Dollar Land Store is offering this 10-acre lot, located in the Southwestern corner of New Mexico...

Deming Ranchettes - Unit 28 Block 12 Lot 24 in Luna County, NMDeming Ranchettes - Unit 28 Block 12 Lot 24 in Luna County, NM
Deming Ranchettes - Unit 28 Block 12 Lot 24 in Luna County, NM
Deming Ranchettes - Unit 28 Block 12 Lot 24 in Luna County, NM
Owner Finance
1 / 4
$1,327·0.5 Acres

Owner financing: $99 down / $63/mo

Luna County · NM

This approximately 0.5 acre recreational and residential property has a fantastic location. It sits along Camino Siete SW one lot from its intersec...

Sunshine Valley Ranchettes - Unit 13, Block 1, Lots 4, 5, 36 & 37 in Luna County, NMSunshine Valley Ranchettes - Unit 13, Block 1, Lots 4, 5, 36 & 37 in Luna County, NM
Sunshine Valley Ranchettes - Unit 13, Block 1, Lots 4, 5, 36 & 37 in Luna County, NM
Sunshine Valley Ranchettes - Unit 13, Block 1, Lots 4, 5, 36 & 37 in Luna County, NM+2 Photos
Owner Finance
1 / 6
$5,377·2 Acres

Owner financing: $99 down / $106/mo

Luna County · NM

These are 4 adjacent 0.5 acre lots that sit side-by-side and back-to-back. They sit near the western edge of the subdivision close to the Florida M...

10 Acres in Luna County, NM in Luna County, NM10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM+16 Photos
Owner FinanceNo HOA
1 / 20
$9,999·10 AcresNo HOA

Owner financing: $1 down / $116/mo

Luna County · NM

This is a great opportunity to own your own ranch! This 10-acre lot, located in the Southwestern corner of New Mexico, is rich with history, atmosp...

Sunshine Valley Ranchettes - Unit 7, Block 16, Lots 1, 2, 43 & 44 in Luna County, NMSunshine Valley Ranchettes - Unit 7, Block 16, Lots 1, 2, 43 & 44 in Luna County, NM
Sunshine Valley Ranchettes - Unit 7, Block 16, Lots 1, 2, 43 & 44 in Luna County, NM
Sunshine Valley Ranchettes - Unit 7, Block 16, Lots 1, 2, 43 & 44 in Luna County, NM
Owner Finance
1 / 4
$5,377·2 Acres

Owner financing: $99 down / $106/mo

Luna County · NM

These are four approximately 0.5 acre lots that you can combine for one huge approximately 2 acre property if you wish to do so. These lots are sid...

Deming Ranchettes - Unit 64 Block 4 Lots 12,13,14, & 15 in Luna County, NMDeming Ranchettes - Unit 64 Block 4 Lots 12,13,14, & 15 in Luna County, NM
Deming Ranchettes - Unit 64 Block 4 Lots 12,13,14, & 15 in Luna County, NM
Deming Ranchettes - Unit 64 Block 4 Lots 12,13,14, & 15 in Luna County, NM
Owner Finance
1 / 2
$5,377·2 Acres

Owner financing: $99 down / $122/mo

Luna County · NM

These four approximately 0.5 acre lots can be kept separate or combined for a great big 2 acre property, or even two 1 acre properties. Combined th...

10 Acres in Luna County, NM in Luna County, NM10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM+7 Photos
Owner FinanceNo HOA
1 / 11
$8,999·10 AcresNo HOA

Owner financing: $1 down / $106/mo

Luna County · NM

This is a great opportunity to own your own ranch! This 10-acre lot, located in the Southwestern corner of New Mexico, is rich with history, atmosp...

10 Acres in Luna County, NM in Luna County, NM10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM+7 Photos
Owner FinanceNo HOA
1 / 11
$8,999·10 AcresNo HOA

Owner financing: $1 down / $106/mo

Luna County · NM

This is a great opportunity to own your own ranch! Dollar Land Store is offering this 10-acre lot, located in the Southwestern corner of New Mexico...

Sunshine Valley Ranchettes - Unit 1, Block 20, Lots 39 & 40 in Luna County, NMSunshine Valley Ranchettes - Unit 1, Block 20, Lots 39 & 40 in Luna County, NM
Sunshine Valley Ranchettes - Unit 1, Block 20, Lots 39 & 40 in Luna County, NM
Sunshine Valley Ranchettes - Unit 1, Block 20, Lots 39 & 40 in Luna County, NM+5 Photos
Owner Finance
1 / 9
$2,677·1 Acre

Owner financing: $99 down / $72/mo

Luna County · NM

This fantastic adjoining pair of approximately 0.5 acre lots is very close to the Florida Mountains and you will enjoy tremendous views. You can ke...

10 Acres in Luna County, NM in Luna County, NM10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM+7 Photos
Owner FinanceNo HOA
1 / 11
$8,999·10 AcresNo HOA

Owner financing: $1 down / $106/mo

Luna County · NM

This is a great opportunity to own your own ranch! Dollar Land Store is offering this 10-acre lot, located in the Southwestern corner of New Mexico...

10 Acres in Luna County, NM in Luna County, NM10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM+9 Photos
Owner FinanceNo HOA
1 / 13
$8,999·10 AcresNo HOA

Owner financing: $1 down / $106/mo

Luna County · NM

This is a great opportunity to own your own ranch! Dollar Land Store is offering this 10-acre lot, located in the Southwestern corner of New Mexico...

New Mexico Treasures - Rancho Mirage Estates in Luna County, NMNew Mexico Treasures - Rancho Mirage Estates in Luna County, NM
New Mexico Treasures - Rancho Mirage Estates in Luna County, NM
New Mexico Treasures - Rancho Mirage Estates in Luna County, NM
Owner Finance
1 / 4
$11,677·2.5 Acres

Owner financing: $99 down / $154/mo

Luna County · NM

This is a beautiful 2.5 acre property about 9 miles south of Deming, New Mexico in Luna County. It is west of the Florida Mountains and north of th...

10 Acres in Luna County, NM in Luna County, NM10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM+14 Photos
Owner FinanceNo HOA
1 / 18
$9,999·10 AcresNo HOA

Owner financing: $1 down / $116/mo

Luna County · NM

This is a great opportunity to own your own ranch! This 10-acre lot, located in the Southwestern corner of New Mexico, is rich with history, atmosp...

10 Acres in Luna County, NM in Luna County, NM10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM
10 Acres in Luna County, NM in Luna County, NM+13 Photos
Owner FinanceNo HOA
1 / 17
$8,999·10 AcresNo HOA

Owner financing: $1 down / $106/mo

Luna County · NM

This is a great opportunity to own your own ranch! Dollar Land Store is offering this 10-acre lot, located in the Southwestern corner of New Mexico...

Deming Ranchettes - Unit 125 Block 5 Lots 6 & 7 in Luna County, NMDeming Ranchettes - Unit 125 Block 5 Lots 6 & 7 in Luna County, NM
Deming Ranchettes - Unit 125 Block 5 Lots 6 & 7 in Luna County, NM
Deming Ranchettes - Unit 125 Block 5 Lots 6 & 7 in Luna County, NM+2 Photos
Owner Finance
1 / 6
$2,677·1 Acre

Owner financing: $99 down / $72/mo

Luna County · NM

This is a great pair of adjacent 1/2 acre lots that you can keep separate or combine to have a large 1 acre property. If you are looking for an off...

Sunshine Valley Ranchettes - Unit 21, Block 7, Lots 23 & 24 in Luna County, NMSunshine Valley Ranchettes - Unit 21, Block 7, Lots 23 & 24 in Luna County, NM
Sunshine Valley Ranchettes - Unit 21, Block 7, Lots 23 & 24 in Luna County, NM
Sunshine Valley Ranchettes - Unit 21, Block 7, Lots 23 & 24 in Luna County, NM
Owner Finance
1 / 4
$2,677·1 Acre

Owner financing: $99 down / $72/mo

Luna County · NM

This fantastic adjoining pair of approximately 0.5 acre lots is very close to the Florida Mountains and you will enjoy tremendous views. You can ke...

New Mexico Treasures - Enchanted Valley Estates in Luna County, NMNew Mexico Treasures - Enchanted Valley Estates in Luna County, NM
New Mexico Treasures - Enchanted Valley Estates in Luna County, NM
New Mexico Treasures - Enchanted Valley Estates in Luna County, NM+5 Photos
Owner Finance
1 / 9
$2,677·1 Acre

Owner financing: $99 down / $72/mo

Luna County · NM

These are two adjoining 1/2 acre lots in Luna County, New Mexico. You can combine them to have an approximately 1 acre property. Generally you need...

El Dorado Estates - Unit 4, Block 8, Lots 2 & 4 in Luna County, NMEl Dorado Estates - Unit 4, Block 8, Lots 2 & 4 in Luna County, NM
El Dorado Estates - Unit 4, Block 8, Lots 2 & 4 in Luna County, NM
El Dorado Estates - Unit 4, Block 8, Lots 2 & 4 in Luna County, NM+1 Photos
Owner Finance
1 / 5
$3,577·1 Acre

Owner financing: $99 down / $80/mo

Luna County · NM

Two side-by-side lots, combined total approximately 1 acre, 324 feet north-south, 135 feet east-west. They share frontage on platted Sapillo Street...

Deming Ranchettes - Unit 123 Block 1 Lots 10 & 11 in Luna County, NMDeming Ranchettes - Unit 123 Block 1 Lots 10 & 11 in Luna County, NM
Deming Ranchettes - Unit 123 Block 1 Lots 10 & 11 in Luna County, NM
Deming Ranchettes - Unit 123 Block 1 Lots 10 & 11 in Luna County, NM
Owner Finance
1 / 3
$2,677·1 Acre

Owner financing: $99 down / $72/mo

Luna County · NM

This is a great pair of adjoining 1/2 acre lots that you can keep separate or combine to have a large 1 acre homestead property. If you are looking...

El Dorado Estates - Unit 4, Block 8, Lots 6, 8 & 10 in Luna County, NMEl Dorado Estates - Unit 4, Block 8, Lots 6, 8 & 10 in Luna County, NM
El Dorado Estates - Unit 4, Block 8, Lots 6, 8 & 10 in Luna County, NM
El Dorado Estates - Unit 4, Block 8, Lots 6, 8 & 10 in Luna County, NM
Owner Finance
1 / 1
$5,355·1.5 Acres

Owner financing: $99 down / $105/mo

Luna County · NM

3 side-by-side lots combined are 1.5 +/- acres. 486 feet north-south, 135 feet east-west. All three lots have eastern frontage on platted Sapillo S...

Owner financing terms in Luna County, New Mexico

Terms as each seller entered them (down payment, monthly payment on the seller's longest term). Updated November 8, 2026.

ListingPriceDownMonthlyTerm
Luna, NM -3034155308210$1,249$99$33/mo5 years
10 Acres in Luna County, NM$8,999$1$106/mo15 years
10 Acres in Luna County, NM$8,999$1$106/mo15 years
Tiny Home-Friendly Half-Acre Lot in Deming Ranchettes, NM$1,399$79$59/mo30 months
10 Acres in Luna County, NM$8,999$1$106/mo15 years
10 Acres in Luna County, NM$9,999$1$116/mo15 years
Half-Acre Residential Lot in Deming Ranchettes, NM$1,399$79$59/mo30 months
Half-Acre Lot on Alma St SE, Deming Ranchettes, NM$1,399$79$59/mo30 months
10 Acres in Luna County, NM$8,999$1$106/mo15 years
10 Acres in Luna County, NM$8,999$1$106/mo15 years

Owner-financed land in Luna County, New Mexico: questions

How many owner-financed land listings are for sale in Luna County, New Mexico?
LandyDandy lists 35 land listings for sale in Luna County, New Mexico whose seller offers owner financing. The count changes as sellers add and sell land.
Do sellers check credit for owner-financed land in Luna County, New Mexico?
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 Luna County Land a Good Investment?

The Luna County land market has tracked 38 new listings entering the market in just the last 90 days. With a median asking price per acre of $3,000, for a typical 2.2-acre parcel, buyers should be prepared to act reasonably fast on quality deals. Currently, the most active brokerage moving land in this region is Keller Williams Realty, a key player to watch for off-market or new inventory. Want to learn more about the Luna County market? Check out our Luna County Land Market Insights.

Luna County Properties By Type

Land For Sale in New Mexico Counties