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Land Buying Tips From the Pros: How to Buy Rural Real Estate

  • inee
  • 3 days ago
  • 3 min read

Updated: 1 day ago

Buying rural real estate can be incredibly rewarding—but it’s very different from buying a traditional home in a suburban neighborhood. From zoning and access to utilities and financing, rural properties require extra due diligence and a strategic approach.

Whether you’re dreaming of a private homestead, recreational land, or a long-term investment, here are pro-level tips to help you buy rural real estate with confidence.


1. Understand Your Purpose for the Land

Before you start searching, define how you plan to use the property.

Ask yourself:

  • Is this for a primary residence, vacation home, or investment?

  • Do you plan to build now or hold the land long term?

  • Will the property be used for farming, recreation, or development?

Your intended use affects zoning, financing options, taxes, and resale potential.

2. Research Zoning, Land Use, and Restrictions

Rural land often comes with regulations that aren’t immediately obvious.

Check:

  • Zoning classification (residential, agricultural, conservation)

  • Allowed uses and building restrictions

  • Minimum lot size or frontage requirements

  • Environmental or conservation overlays

Never assume land can be built on just because it’s listed for sale—always verify.

3. Confirm Legal Access to the Property

Access is one of the most critical—and overlooked—factors in rural land purchases.

Make sure the property has:

  • Legal road frontage or a recorded right-of-way

  • Year-round access (not seasonal or private without agreements)

  • Driveway or entrance approval if required

Land without legal access can be difficult to finance and resell.

4. Evaluate Utilities and Infrastructure

Unlike suburban homes, rural properties may not have public utilities.

Investigate:

  • Water source (well feasibility and testing)

  • Septic system approval or perc tests

  • Electrical access and distance to power lines

  • Internet and cell service availability

Bringing utilities to raw land can add significant cost—factor this into your budget early.

5. Get the Land Inspected (Yes, Land Needs Inspections)

Even vacant land should be evaluated by professionals.

Consider:

  • Soil testing and percolation tests

  • Wetlands or flood zone assessments

  • Boundary surveys

  • Environmental concerns

An inspection protects you from buying land that cannot be used as intended.

6. Know How Rural Land Is Financed

Financing land is different from financing a home.

Be prepared for:

  • Higher down payment requirements

  • Shorter loan terms

  • Higher interest rates

  • Limited lender options

Some buyers choose owner financing or plan to purchase land with cash and build later.

7. Review Property Boundaries and Title Carefully

Rural parcels can be large and irregular, making boundaries especially important.

Always:

  • Order a survey

  • Review easements or shared access rights

  • Confirm there are no boundary disputes

  • Ensure clear title and legal description

These details matter when building, selling, or subdividing later.

8. Consider Long-Term Value and Resale

Even if you plan to keep the land for years, think ahead.

Ask:

  • Is the location desirable long term?

  • Could zoning change?

  • Is there development nearby?

  • How easy would it be to sell if plans change?

Good land holds value, but only if it’s usable and marketable.

9. Work With a Real Estate Professional Who Knows Land

Land transactions require a different skill set than residential sales.

A knowledgeable agent helps you:

  • Identify red flags early

  • Navigate zoning and town regulations

  • Coordinate inspections and surveys

  • Negotiate terms that protect your interests

The right guidance can save you time, money, and frustration.

Final Thoughts

Buying rural real estate offers privacy, opportunity, and long-term potential—but it demands careful planning. When you understand zoning, access, utilities, and financing upfront, land ownership becomes a powerful and rewarding investment rather than a costly mistake.

If you’re considering purchasing land or a rural property and want expert guidance tailored to your goals, we’re always happy to help you explore your options and navigate the process with confidence.


Ina & Justin Nee

The Nee Team | Jack Conway

South Shore Real Estate Advisors


Helping buyers and sellers make smart, confident real estate decisions across the South Shore.


📞 [617-304-0333] | [781-724-8476]

 
 
 

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