Cheapest rent-to-own markets in Arizona.
Rent-to-own works best where monthly carrying costs are reachable on a typical household income. This ranks Arizona by estimated monthly payment on a median-priced home with a 10% option fee.
Last updated
Arizona ranking
50 cities ranked. Click any row for the matching local page.
| # | City | Est. monthly payment | Score | |
|---|---|---|---|---|
| 1 | Scottsdale | $4,925/mo | 0 | View → |
| 2 | Chandler | $4,580/mo | 0 | View → |
| 3 | Gilbert | $4,708/mo | 0 | View → |
| 4 | Litchfield Park | $4,323/mo | 0 | View → |
| 5 | Cave Creek | $4,604/mo | 0 | View → |
| 6 | Paradise Valley | $5,847/mo | 0 | View → |
| 7 | Peoria | $4,251/mo | 1 | View → |
| 8 | Queen Creek | $4,251/mo | 1 | View → |
| 9 | Goodyear | $4,058/mo | 7 | View → |
| 10 | Fountain Hills | $4,050/mo | 7 | View → |
| 11 | Tempe | $4,010/mo | 8 | View → |
| 12 | Vail | $3,986/mo | 9 | View → |
| 13 | Sierra Vista | $3,730/mo | 16 | View → |
| 14 | Phoenix | $3,697/mo | 17 | View → |
| 15 | Laveen | $3,714/mo | 17 | View → |
| 16 | Marana | $3,722/mo | 17 | View → |
| 17 | Gold Canyon | $3,681/mo | 18 | View → |
| 18 | Waddell | $3,681/mo | 18 | View → |
| 19 | Surprise | $3,577/mo | 21 | View → |
| 20 | Buckeye | $3,553/mo | 21 | View → |
| 21 | Tucson | $3,545/mo | 22 | View → |
| 22 | Glendale | $3,433/mo | 25 | View → |
| 23 | Flagstaff | $3,417/mo | 25 | View → |
| 24 | Sedona | $3,409/mo | 25 | View → |
| 25 | Maricopa | $3,312/mo | 28 | View → |
| 26 | Sahuarita | $3,321/mo | 28 | View → |
| 27 | Hereford | $3,304/mo | 28 | View → |
| 28 | Mesa | $3,272/mo | 29 | View → |
| 29 | San Tan Valley | $3,136/mo | 33 | View → |
| 30 | Avondale | $3,120/mo | 34 | View → |
| 31 | Green Valley | $3,104/mo | 34 | View → |
| 32 | Prescott | $3,064/mo | 35 | View → |
| 33 | Yuma | $3,048/mo | 36 | View → |
| 34 | Sun City West | $2,855/mo | 41 | View → |
| 35 | Lakeside | $2,823/mo | 42 | View → |
| 36 | Wickenburg | $2,783/mo | 43 | View → |
| 37 | Prescott Valley | $2,767/mo | 44 | View → |
| 38 | Casa Grande | $2,735/mo | 45 | View → |
| 39 | Tolleson | $2,687/mo | 46 | View → |
| 40 | Rio Rico | $2,687/mo | 46 | View → |
| 41 | Lake Havasu City | $2,647/mo | 47 | View → |
| 42 | Willcox | $2,655/mo | 47 | View → |
| 43 | Florence | $2,623/mo | 48 | View → |
| 44 | El Mirage | $2,623/mo | 48 | View → |
| 45 | Kingman | $2,510/mo | 51 | View → |
| 46 | Dewey | $2,510/mo | 51 | View → |
| 47 | Bullhead City | $2,494/mo | 52 | View → |
| 48 | Apache Junction | $2,438/mo | 53 | View → |
| 49 | Sun City | $2,422/mo | 54 | View → |
| 50 | Fort Mohave | $2,406/mo | 54 | View → |
Methodology
Estimated monthly payment = (median home price × 0.9) amortized at 8% over 30 years + 1.2% taxes + 0.5% insurance, divided by 12. Lower payment = better rent-to-own market.
FAQ
- What makes a Arizona rent-to-own market 'cheap'?
- Low estimated monthly payment relative to local incomes. Sub-$1,500/month markets are the most accessible.
- Are option fees included?
- We assume 10% option fee credited toward purchase; the monthly payment estimate excludes that up-front amount.
- Does this guarantee a home at this price?
- No. Listings vary; this is a market-level estimate to compare cities side-by-side.
Other reports for Arizona
Best Cities for Owner Financing
Cities With Most FSBO Activity
Investor Competition by Market
Estimated Owner-Finance Down Payment by City
Cities With Most Cash Buyers
Foreclosure Risk by City
Most Affordable Cities for Buyers
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