Gather very ripe peaches after they drop to the ground in the fall. Peach pits from trees that produce fruit late in the year are the easiest to germinate.
Cut the flesh of the peach away from the pit with a knife. Remove any remaining flesh from the pit with a scrubbing pad and wash the pits with water. Allow the pits to dry thoroughly.
Line a plastic bag with damp paper towels and place the pits in the bag. Keep the bag open and refrigerate at a temperature between 34 to 42 degrees Fahrenheit.
Moisten the paper towels periodically to keep the towels moist. Take the peach pits out of the refrigerator when they start to sprout, which usually requires 2 to 8 weeks.
Select a planting site in full sun with good drainage. Plant the peach pits at a depth of 3 to 4 inches with the root pointed down. Fill the hole with organic compost and cover the soil with 1 inch of straw.
Water the peach pits with 1 to 2 inches of water after planting and whenever the soil becomes dry during the winter. The seedlings should begin to grow in the spring.
Provide 1 to 2 inches of water per week during the growing season. A peach tree may require 3 years or more to produce fruit when grown from a seed.