Cheapest rent-to-own markets in Colorado.
Rent-to-own works best where monthly carrying costs are reachable on a typical household income. This ranks Colorado by estimated monthly payment on a median-priced home with a 10% option fee.
Last updated
Colorado ranking
50 cities ranked. Click any row for the matching local page.
| # | City | Est. monthly payment | Score | |
|---|---|---|---|---|
| 1 | Clifton | $2,711/mo | 45 | View → |
| 2 | Lamar | $2,727/mo | 45 | View → |
| 3 | La Junta | $2,743/mo | 44 | View → |
| 4 | Alamosa | $2,847/mo | 42 | View → |
| 5 | Florence | $2,831/mo | 42 | View → |
| 6 | Evans | $2,911/mo | 40 | View → |
| 7 | Cortez | $2,992/mo | 37 | View → |
| 8 | Trinidad | $3,000/mo | 37 | View → |
| 9 | Sterling | $3,072/mo | 35 | View → |
| 10 | Fort Morgan | $3,152/mo | 33 | View → |
| 11 | Delta | $3,136/mo | 33 | View → |
| 12 | Canon City | $3,216/mo | 31 | View → |
| 13 | Gunnison | $3,208/mo | 31 | View → |
| 14 | Rifle | $3,513/mo | 22 | View → |
| 15 | Salida | $3,537/mo | 22 | View → |
| 16 | Craig | $3,577/mo | 21 | View → |
| 17 | Pueblo | $3,633/mo | 19 | View → |
| 18 | Wheat Ridge | $3,649/mo | 19 | View → |
| 19 | Montrose | $3,689/mo | 17 | View → |
| 20 | Fort Lupton | $3,786/mo | 15 | View → |
| 21 | Greeley | $3,882/mo | 12 | View → |
| 22 | Fruita | $3,874/mo | 12 | View → |
| 23 | Fountain | $4,026/mo | 8 | View → |
| 24 | Pagosa Springs | $4,034/mo | 8 | View → |
| 25 | Commerce City | $4,090/mo | 6 | View → |
| 26 | Westminster | $4,163/mo | 4 | View → |
| 27 | Bailey | $4,203/mo | 3 | View → |
| 28 | Glenwood Springs | $4,259/mo | 1 | View → |
| 29 | Denver | $5,101/mo | 0 | View → |
| 30 | Colorado Springs | $5,245/mo | 0 | View → |
| 31 | Aurora | $4,708/mo | 0 | View → |
| 32 | Littleton | $6,328/mo | 0 | View → |
| 33 | Fort Collins | $5,269/mo | 0 | View → |
| 34 | Arvada | $5,903/mo | 0 | View → |
| 35 | Longmont | $5,654/mo | 0 | View → |
| 36 | Boulder | $6,015/mo | 0 | View → |
| 37 | Grand Junction | $4,901/mo | 0 | View → |
| 38 | Englewood | $6,088/mo | 0 | View → |
| 39 | Broomfield | $5,759/mo | 0 | View → |
| 40 | Parker | $6,047/mo | 0 | View → |
| 41 | Loveland | $4,347/mo | 0 | View → |
| 42 | Brighton | $5,245/mo | 0 | View → |
| 43 | Castle Rock | $6,296/mo | 0 | View → |
| 44 | Golden | $5,951/mo | 0 | View → |
| 45 | Durango | $4,572/mo | 0 | View → |
| 46 | Thornton | $5,502/mo | 0 | View → |
| 47 | Louisville | $6,023/mo | 0 | View → |
| 48 | Lafayette | $5,486/mo | 0 | View → |
| 49 | Evergreen | $5,791/mo | 0 | View → |
| 50 | Peyton | $5,101/mo | 0 | 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 Colorado 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 Colorado
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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