Cheapest rent-to-own markets in Florida.
Rent-to-own works best where monthly carrying costs are reachable on a typical household income. This ranks Florida by estimated monthly payment on a median-priced home with a 10% option fee.
Last updated
Florida ranking
50 cities ranked. Click any row for the matching local page.
| # | City | Est. monthly payment | Score | |
|---|---|---|---|---|
| 1 | Fort Lauderdale | $4,548/mo | 0 | View → |
| 2 | Naples | $4,451/mo | 0 | View → |
| 3 | Boca Raton | $4,620/mo | 0 | View → |
| 4 | Miami Beach | $4,997/mo | 0 | View → |
| 5 | Jupiter | $4,363/mo | 0 | View → |
| 6 | Palm Beach Gardens | $4,339/mo | 0 | View → |
| 7 | Saint Johns | $4,620/mo | 0 | View → |
| 8 | Gulf Breeze | $4,315/mo | 0 | View → |
| 9 | Windermere | $4,828/mo | 0 | View → |
| 10 | Ponte Vedra Beach | $4,933/mo | 0 | View → |
| 11 | Pembroke Pines | $4,395/mo | 0 | View → |
| 12 | Key Biscayne | $5,927/mo | 0 | View → |
| 13 | Palm Beach | $5,542/mo | 0 | View → |
| 14 | Bonita Springs | $4,275/mo | 1 | View → |
| 15 | Wellington | $4,219/mo | 2 | View → |
| 16 | Palm City | $4,243/mo | 2 | View → |
| 17 | Boynton Beach | $4,203/mo | 3 | View → |
| 18 | Lake Mary | $4,195/mo | 3 | View → |
| 19 | Fleming Island | $4,195/mo | 3 | View → |
| 20 | Odessa | $4,179/mo | 3 | View → |
| 21 | Oviedo | $4,155/mo | 4 | View → |
| 22 | Longwood | $4,147/mo | 4 | View → |
| 23 | Marco Island | $4,171/mo | 4 | View → |
| 24 | Valrico | $4,115/mo | 5 | View → |
| 25 | Loxahatchee | $4,090/mo | 6 | View → |
| 26 | Winter Park | $4,058/mo | 7 | View → |
| 27 | Land O Lakes | $4,066/mo | 7 | View → |
| 28 | Fernandina Beach | $4,050/mo | 7 | View → |
| 29 | Niceville | $4,050/mo | 7 | View → |
| 30 | Lutz | $4,018/mo | 8 | View → |
| 31 | Delray Beach | $3,994/mo | 9 | View → |
| 32 | Winter Springs | $3,978/mo | 9 | View → |
| 33 | North Miami Beach | $3,986/mo | 9 | View → |
| 34 | Lithia | $3,978/mo | 9 | View → |
| 35 | Satellite Beach | $3,882/mo | 12 | View → |
| 36 | Clearwater Beach | $3,890/mo | 12 | View → |
| 37 | Vero Beach | $3,818/mo | 14 | View → |
| 38 | Indialantic | $3,794/mo | 14 | View → |
| 39 | Key Largo | $3,826/mo | 14 | View → |
| 40 | Miami | $3,770/mo | 15 | View → |
| 41 | Pompano Beach | $3,762/mo | 15 | View → |
| 42 | Sarasota | $3,762/mo | 15 | View → |
| 43 | Bradenton | $3,762/mo | 15 | View → |
| 44 | Palm Harbor | $3,762/mo | 15 | View → |
| 45 | Apollo Beach | $3,786/mo | 15 | View → |
| 46 | Tarpon Springs | $3,754/mo | 16 | View → |
| 47 | Maitland | $3,738/mo | 16 | View → |
| 48 | Saint Augustine | $3,714/mo | 17 | View → |
| 49 | Oldsmar | $3,705/mo | 17 | View → |
| 50 | North Palm Beach | $3,714/mo | 17 | 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 Florida 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 Florida
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
Make Florida work for you.
Free to list. No percentage commission.
Free to list. No percentage commission.
Privacy secured | Advertising disclosures