Harris County, TX rent-to-own & owner financed homes with no credit check

harris county homes tx rent to own

Home to over 450,000 residents, Harris County is the most populous county in Texas. While the population growth over the past two decades has fuelled the demand for housing in Harris County TX, you will find over 25,000 homes listed for sale most weeks here. It means that the county offers a wide variety of home buying options and is a popular housing market near Houston. It is particularly popular among credit challenged individuals and families looking to buy a home with no credit check because most Harris County neighborhoods are affordable. The median home price hovers around $280,000.

Harris County is home to about 1,200,000 residential properties. A mature housing market offers credit challenged home buyers enough opportunities to fulfill their home ownership dream through alternative financing options such as rent-to-own or owner financing. If you are struggling with credit, a rent-to-own home or an owner finance home is the best option for you.

You can start your home buying journey (regardless of your credit situation) by exploring a few of the Harris County home listings below. You can also access our free MLS home search function by clicking here.

11410 Properties
Page 1 of 951

Housing Market

Median Listing Price


Average Days on Market

42 Days

Public Schools


Homes for Sale


Commute Times


36 Minutes

Medical Center

34 Minutes

Museum District

31 Minutes

Energy Corridor

34 Minutes

Harris County Appreciation Trends

Harris County Local Education

Top-Ranked Elementary Schools

SchoolRatingNeighborhoods/CitiesMedian Listing Price
Warner Hill Elementary 10/10 Cypress/Houston $350,000
West University Elementary 10/10 West University Place/Houston $1,025,000
Sampson Elementary 10/10 Coles Forest/Cypress $474,000

Top Middle Schools

SchoolRatingNeighborhoods/CitiesMedian Listing Price
Smith Middle School 9/10 Cypress Creek Lakes/Cypress $464,000
Rodger & Ellen Beck Jr High 10/10 Kelliwood/Cross Creek $632,000
Project Chrysalis Middle 10/10 East Downtown/Magnolia Park $324,000

Top High Schools

SchoolRatingNeighborhoods/CitiesMedian Listing Price
Tomball Memorial 9/10 Villages of Northpointe/Westbourne $293,000
Micheal E. DeBakey High 9/10 Southgate/Southside Place $1,465,000
Carnegie Vanguard 9/10 Fourth Ward/Hyde Park/Montrose $481,600

Discover the Best of the Harris

Being the heart of Houston’s key cultural and recreational districts, Harris County offers more than its fair share of shopping, dining, recreation, and entertainment choices:


  • Lucille’s
  • Turner’s
  • Vic & Anthony’s Steakhouse
  • Brennan’s of Houston
  • Taste of Texas Restaurant


  • Bauhaus Houston
  • Nightlife
  • The Original Red Rooster
  • Bar Bar Night Club
  • Mr. A’s The Club


  • The Galleria
  • River Oaks Shopping Center
  • Town & Country Village
  • Almeda Mall
  • South Main Shopping Center

Leisure and Entertainment

  • 1940 Air Terminal Museum
  • Annunciation Greek Orthodox Cathedral
  • Art Car Museum
  • Children’s Museum of Houston
  • Downtown Aquarium

Parks and Recreation

  • Edith L. Moore Nature Sanctuary
  • Discovery Green
  • Hermann Park
  • George Bush Park/Eldridge
  • Gerald D. Hines Waterfall Park


  • Trader Joe’s
  • H-E-B
  • Central Market
  • Phoenicia Specialty Foods
  • Whole Foods Market

Why buy a no-credit-check home in Harris County TX

Here are some of the reasons why you should consider buying a home in Harris County TX:


Harris County draws a lot of credit-challenged homes buyers because homes are comparatively affordable. Regardless of your budget, you can easily find a home in a location that suits your lifestyle and needs.  Some recent studies claim that it is comparatively easier for average-wage workers to afford a home.

Top-performing School Districts

One of the reasons Harris County is a popular destination for families is that it is home to top-performing school districts. Here is the list of school districts in Harris County:

  • Aldine Independent School District
  • Alief Independent School District
  • Barbers Hill Independent School District
  • Channelview Independent School District
  • Crosby Independent School District
  • Cypress-Fairbanks Independent School District
  • Deer Park Independent School District
  • Galena Park Independent School District
  • Goose Creek Consolidated Independent School District
  • Houston Independent School District
  • Huffman Independent School District
  • Humble Independent School District
  • Klein Independent School District
  • La Porte Independent School District
  • New Caney
  • North Forest Independent School District
  • Pasadena Independent School District
  • Sheldon Independent School District
  • Spring Branch Independent School District
  • Spring Independent School District
  • Tomball Independent School District

A wide range of home buying options

Most neighborhoods are made up of single-family homes. It makes Harris County an ideal place to buy a home for families who can’t obtain a mortgage from a conventional lender. However, you have a wide range of home buying options such as townhomes and semi-detached homes.


Most cities, towns, and neighborhoods in Harris County feature world-class amenities and recreation centers such as public parks, playgrounds, community swimming pools, restaurants, malls, bike and hike trails, and sports facilities.

Popular Harris County neighborhoods and cities


Considered as the fourth largest city in the U.S., Houston boasts an ever-growing housing market mainly because of high affordability and low cost of living. While it retains much of Texas’ world-renowned southern charm, the city continues to diversify with residents from different cultures and ethnicities flocking in to call the city their new home.

Bunker Hill Village

This upscale residential neighborhood remains one of the most sought-after housing markets in Houston because of its top-rated schools, excellent family-friendly amenities, consistently uniform development, and steep appreciation in property values.


Locals and tourists alike love Shoreacres for its quiet community feels and the charming bayfront vibe. Anyone here can easily enjoy fishing, kayaking, boating, and a host of other water activities thanks to the Houston Yacht Club. Beach bums would also find more reasons to love this city for its proximity to the famous Sylvan Beach.


Hedwig Village is an exclusive residential neighborhood known for its vintage and mansion-style properties sitting on large lots with mature trees. Apart from the usual amenities, Hedwig is known as a self-sustaining city with its local police force and fire departments.

Nassau Bay

Originally developed to house the Johnson Space Center to provide housing for astronauts, aeronautics professionals, and their families, Nassau Bay has grown to become one of the most thriving communities on this side of Houston with different amenities for residents of all ages. The Johnson Space Center’s creative team, in fact, has produced an incredible assortment of touring exhibitions and outstanding events specifically for the facility.


Other Areas to Buy Owner-Financed Homes in Harris County



Bunker Hill

Deer Park

El Lago

Galena Park

Hillshire Village


Hunters Creek

Jacinto City


Piney Point Village

South Houston

Southside Place

Spring Valley Village

Taylor Lake Village



West University Village

Communities and Neighborhoods





Cinco Ranch




Mission Bend



The Woodlands





Beaumont Place


Cedar Bayou

Champions Forest





East Aldine

Fall Creek


Houmont Park










North Houston


Northcliffe Manor

Northgate Forest

 Remington Ranch







Harris County real estate at a glance

Harris County homes have been appreciating in value for the past few years. Demand and supply imbalance and strong job growth have put home sellers in the driver’s seat. It means that if you buy a home when the market is still affordable you will likely realize a good return on your investment. Most neighborhoods are going through gratification in Harris County, making them desirable for professionals as well as families.

How to buy rent-to-own or owner finance homes in Harris County

The first step is to determine which Harris County city, town, or neighborhood you want to buy a home in. It depends on how close you want to live to your workplace, your lifestyle, budget, and requirements. We will help you zero in on a home that meets all your requirements. A qualified realtor will be assigned to you who will help you throughout your home buying journey at no cost to you.

Having bad or non-existent credit won’t be an obstacle because we will help you learn how you can any Harris County home with owner financing. On top of that, owner financing enables you to buy with terms more or less similar to a conventional mortgage. If you have saved enough for a down payment, you are all set.

Interested in learning more about our real estate brokerage service specializing in working with credit-challenged homebuyers? Fill out the form below or set an appointment today!

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Post a Comment