On-farm tree planting is recommended to enhance agricultural productivity while promoting ecological conservation and providing socio-economic benefits. However, limited studies distinguish this practice from other agroforestry methods, particularly in evaluating its adoption, benefits, and constraints. This study assessed farmers’ perceptions of on-farm tree planting in Akure, Nigeria, through a survey of 100 respondents across four communities. Data were collected using semi-structured questionnaires and field observations and were analyzed using descriptive statistics, Chi-squared test, and the logit model. Findings revealed that 57% of respondents were male, 62% were self-employed, and 42% had over 25 years of farming experience. Most farmers acquired land through purchase (36%) or inheritance (24%), with 86% practising on-farm tree planting. Timber species dominated, with fewer fruit trees, deviating from common reports. Farmers were primarily motivated by direct benefits such as timber (27%), improved crop productivity (25%), shade, building materials, firewood, fruits, and medicinal uses. Ecosystem services like soil protection, biodiversity, and carbon sequestration also motivated farmers. However, around 60% of farmers noted that tree planting negatively affected farming activities, limiting the practice's broader adoption. Other major challenges were inadequate technical support, lack of credit, limited knowledge, land tenure issues, and tree interactions with crops and animals. Adoption of tree planting was significantly associated with farmers’ age, education level, household size, employment status, land ownership, farming experience, and perceptions. Age, education, and employment status were the most influential factors. Addressing these challenges and enhancing the perceived benefits are crucial for wider adoption and upscaling of on-farm tree planting.