Royse City, TX owner-financed & rent-to-own homes (no credit)
Royse City in Rockwall County is a popular housing market for a variety of reasons including a wide selection of homes, low crime rate, good schools, and affordable housing options. Like Sachse, Wylie, & Murphy, residents enjoy a rural vibe while having easy access to big-city sights and sounds because of its close proximity to Garland. If you are financially disciplined and looking for a home that doesn’t require credit, you will probably want to learn about third-party owner financing.
In a rent-to-own arrangement in Royse City or anywhere within the 75189 zip code area, you will have access to a limited inventory of homes, but that’s not the case in third-party seller financing which is different even from regular owner-to-owner financing. In this financing arrangement, you will have the freedom of buying any Royse City home of your choice listed for sale on the market.
In this guide, you will have free access to all the homes listed for sale in Royse City. You will also learn how you can buy any of these homes with owner financing.



NTREIS data last updated June 4, 2023.
Why Buy an Owner-Financed Home in Royse City, (TX 75189)?
The following Royse City real estate market overview will help you decide if the city is the right home buying destination for you and your family:
- The median listing price hovers around $370K; however, you will be able to find a home listed for as low as $190K.
- There are 300-400 homes available in the inventory most days and they usually stay listed on the market for an average of about 35 days.
- This city is one of the fastest expanding in the United States. With a population growth rate of 8.9% in the past year and 29.9% in the past five years, the population has reached 11,746.
- With a great selection of top-notch schools, low crime, college-educated neighbors who prefer to promote education, and ample job opportunities, Royse City is an ideal location for families to consider.
- Residents enjoy the safety around the neighborhoods since Royse City was ranked the 18th safest city out of nearly 200 ranked cities.
Most Popular Royse City Neighborhoods for Owner-Financed Homes
Parkside Village
This quiet community features near-endless amenities for everyone to enjoy including a fishing pier, a resort-style pool, and a championship-level golf course. Couple that with the newly-constructed homes with a modern aesthetic, it feels like spending a weekend getaway every day.
Highland Ridge
The farm-sized lots of Highland Ridge offer a slice of rural tranquility far enough to get away from all the city buzz. Houses here come in diverse designs, colors, and price points, making it a welcoming neighborhood for buyers of all sorts.
Graham Point
The homey blend of affluent home designs with the rural feel of the surroundings gives Graham Point its unique charm. Residents enjoy the cozy outdoor feel but can easily travel to nearby areas to explore diverse shopping, dining, and entertainment scenes.
Other Areas to Buy Owner-Financed Homes in Royse City
Adams |
Hart |
McDaniels Farm |
Starlight Ranch |
Alexander Ranch |
Hidden Creek |
McKamy Meadow |
Stone River |
Becky Acres |
Hidden Oaks |
Meadows |
Streetman Ranch |
Bent Trail |
High Hill Acres |
Oak Creek |
Sunrise Meadows |
Blockdale Meadow |
High Point Ranch |
Oak Meadows |
Thompson |
Briarstone Estates |
Hilltop |
Oaks |
Verandah |
Buena Vista |
Hughes |
Odell Turner |
Wanda Ridge |
Creekview Estates |
Karendale Village |
Poetry Ranch |
Waterscape |
Eastridge Estate |
Kingsbrook |
Rolling Meadows |
West Creek |
Estates Quail Ridge |
Lavon Hills |
Rustic Meadows |
Westview |
Gentry Ranch |
Leisure Land |
Sky View Ranch |
Windy Hill |
Gropengiesser |
McCasland |
Southfork |
Woodland Creek |
Best Places to Buy a Home Near Royse City
Getting a No-Credit-Check Home in Royse City (75189)
Most no-credit-check programs in Royse City including rent-to-own limit your home buying choices. You are asked to choose from a limited inventory of homes, but owner-financing enables you to buy any ‘listed’ home.
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