I don't know where you live, but for $20K, you should be able to find a nice package. Here are some prices from a JD dealer.
JD Packages Guys buy used tractors in TX and truck them out here to NV and CA to sell to CA transplants, now retired and on their Nevada "ranch"...10 acres of desert. They sell so high here that it is a lucrative enterprise.
A smaller $6,000 tractor in TX will sell for $12,000 here.