McCulloch County · Brady, the Heart of Texas
McCulloch County Ranch Land for Sale
Surveyed ranch tracts in McCulloch County, near Brady in the Heart of Texas — offered with owner financing, deeded access on graded ranch roads, and light restrictions.
- Tracts available
- 77
- Acreage
- 10–123 ac
- Price
- $77,550–$1,250,000
- Per acre
- $7,000–$11,426
Where the tracts are
Highlighted tracts are open today.
Most tracts here are between $75,000 and $150,000.
- 5% down · $6,532 down · $1,173/mo at 10.9%
- 10% down · $13,064 down · $1,023/mo at 9.9%
- 15% down · $19,596 down · $934/mo at 9.5%
- 20% down · $26,128 down · $841/mo at 9%
About McCulloch County land
Brady is the seat of McCulloch County and bills itself as the Heart of Texas — it's the closest town to the state's geographic center, about 15 miles to the northeast. That central position is a real draw: it's roughly 2¼ hours from both Austin and San Antonio and about three hours from Fort Worth. Nearby communities include Lohn, Melvin, Mason, San Saba, and Menard.
The land sits where the Edwards Plateau meets the Cross Timbers — rolling rangeland of live oak, post oak, and mesquite, broken by the Brady Mountains, generally between about 1,350 and 2,000 feet. Brady Creek and the 2,000-acre Brady Creek Reservoir anchor local water alongside groundwater wells. This is classic working-ranch and hunting country — whitetail, Rio Grande turkey, dove, quail, and feral hog — and buyers come for the central location, the hunting, and real value compared with the Hill Country.
What to know before buying in McCulloch County
Owner financing, no bank
We finance McCulloch County tracts directly — a down payment and monthly payments to us, with no bank qualification. Down payment, rate, and term are set per tract, so ask for current figures.
Surveyed, with deeded access
Every tract is surveyed with deeded access on graded ranch roads, so boundaries and entry are settled before you buy.
Light restrictions
Sensible restrictions protect value while keeping recreational, hunting, and homestead use open — no heavy HOA-style rules.
Ag & wildlife tax valuation
Much rural land here carries an agricultural or wildlife-management property-tax valuation that keeps annual taxes low. Confirm the current use and exemptions for any tract with the county appraisal district.
McCulloch County property tax and ag exemption facts
County seat
Brady
Ag valuation (1-d-1 open space)
Land in agricultural use for five of the last seven years can be appraised on its productivity value instead of market value, which is what keeps rural taxes low. The use has to be the land's primary use, to the degree of intensity typical for the county. You apply once with the appraisal district (state form 50-129) and it stays until the use changes.
Wildlife management
A tract already under ag valuation can switch to wildlife-management use and keep the same low valuation by managing for native wildlife: habitat control, supplemental water or food, predator control, census counts, with a written plan on the state form. Popular with hunters who don't run cattle. The minimum acreage after a subdivision is set county by county.
Rollback tax
Taking ag-valued land out of agricultural use triggers a rollback: the difference between taxes paid on productivity value and taxes on market value for the previous three years, plus interest. Building a home on part of a tract does not by itself end the ag use on the rest.
Protest deadline
The appraisal district mails notices of appraised value in spring. A protest to the Appraisal Review Board is due by May 15 or 30 days after the notice is delivered, whichever is later.
When taxes are due
Bills go out in October and are due by January 31 of the next year; penalty and interest start February 1. Our tracts are surveyed and platted, so each tract gets its own account and its own bill once the deed is on record.
Homestead on a rural tract
If you build and live on the tract as your principal residence you can claim the residence homestead exemption on the home and up to 20 acres; the rest of the tract can stay under ag or wildlife valuation.
Tax rates, appraised values and minimum acreages change every year; confirm current figures for any tract with the county appraisal district.
Land near Brady
The Ranch Enterprises family
Selling Texas land for over 25 years
Guadalupe Ranch Co. is part of the Ranch Enterprises family — surveyed tracts, deeded access, and owner financing serviced in-house. We're the seller and the lender, not a broker handing you off to a bank.
- 25+ yrs
- Selling Texas land
- 320,000+
- Acres sold · TX, CO & NM
- 5,000+
- Tracts financed in-house
- 20+
- Texas counties
Frequently asked
- Where is the geographic center of Texas?
- In northeastern McCulloch County, about 15 miles northeast of Brady — which is why Brady is nicknamed the Heart of Texas.
- How far is Brady from San Antonio and Austin?
- Roughly 2¼ hours from each — about 140 miles from San Antonio and 125–130 miles from Austin — and around three hours from Fort Worth.
- What can you hunt near Brady?
- Whitetail deer, Rio Grande turkey, dove, quail, and feral hog. Hogs are open year-round; deer and turkey follow Texas Parks & Wildlife seasons.
- Do you offer owner financing on McCulloch County ranch land?
- Yes — many of our tracts are available with owner financing. Reach out for current down-payment, rate, and term details.
- Is the land surveyed with deeded access?
- Every tract is surveyed and sold with deeded access on graded ranch roads.
- Can I hunt, build, or keep livestock?
- Our tracts carry light restrictions meant to protect value while keeping recreational, hunting, and homestead use open. Each ranch's restrictions page has the specifics.
Estimate your payment
Your rate follows your down payment — and improves on tracts over $200k. These are our actual tiers.
Estimated monthly
$499
Estimate only — excludes taxes, fees, and maintenance assessments. Actual financing terms are set at contract. Call 830-307-7533 for current owner finance terms.
Ask about McCulloch County land
Tell us what you're after and we'll send current tracts, pricing, and owner-financing terms.