Cheapest rent-to-own markets in Massachusetts.
Rent-to-own works best where monthly carrying costs are reachable on a typical household income. This ranks Massachusetts by estimated monthly payment on a median-priced home with a 10% option fee.
Last updated
Massachusetts ranking
50 cities ranked. Click any row for the matching local page.
| # | City | Est. monthly payment | Score | |
|---|---|---|---|---|
| 1 | Boston | $7,379/mo | 0 | View → |
| 2 | Worcester | $4,347/mo | 0 | View → |
| 3 | Lowell | $4,564/mo | 0 | View → |
| 4 | Cambridge | $7,130/mo | 0 | View → |
| 5 | Brockton | $4,299/mo | 0 | View → |
| 6 | Quincy | $5,454/mo | 0 | View → |
| 7 | Somerville | $5,703/mo | 0 | View → |
| 8 | Framingham | $6,047/mo | 0 | View → |
| 9 | Haverhill | $5,318/mo | 0 | View → |
| 10 | Waltham | $6,256/mo | 0 | View → |
| 11 | Malden | $4,740/mo | 0 | View → |
| 12 | Medford | $6,152/mo | 0 | View → |
| 13 | Plymouth | $6,216/mo | 0 | View → |
| 14 | Revere | $4,572/mo | 0 | View → |
| 15 | Dorchester Center | $4,323/mo | 0 | View → |
| 16 | Peabody | $5,711/mo | 0 | View → |
| 17 | Brookline | $7,531/mo | 0 | View → |
| 18 | Taunton | $4,475/mo | 0 | View → |
| 19 | Methuen | $5,646/mo | 0 | View → |
| 20 | Attleboro | $5,598/mo | 0 | View → |
| 21 | Arlington | $6,801/mo | 0 | View → |
| 22 | Everett | $4,363/mo | 0 | View → |
| 23 | Salem | $4,917/mo | 0 | View → |
| 24 | Leominster | $4,925/mo | 0 | View → |
| 25 | Westfield | $5,253/mo | 0 | View → |
| 26 | Beverly | $6,272/mo | 0 | View → |
| 27 | Woburn | $6,104/mo | 0 | View → |
| 28 | Marlborough | $5,999/mo | 0 | View → |
| 29 | Jamaica Plain | $6,473/mo | 0 | View → |
| 30 | Braintree | $6,336/mo | 0 | View → |
| 31 | Shrewsbury | $6,649/mo | 0 | View → |
| 32 | Andover | $7,483/mo | 0 | View → |
| 33 | Natick | $6,978/mo | 0 | View → |
| 34 | Randolph | $5,358/mo | 0 | View → |
| 35 | Watertown | $6,449/mo | 0 | View → |
| 36 | Franklin | $6,946/mo | 0 | View → |
| 37 | Lexington | $8,662/mo | 0 | View → |
| 38 | Roslindale | $5,550/mo | 0 | View → |
| 39 | Billerica | $6,392/mo | 0 | View → |
| 40 | Dracut | $6,104/mo | 0 | View → |
| 41 | Hyde Park | $5,005/mo | 0 | View → |
| 42 | Amherst | $5,919/mo | 0 | View → |
| 43 | Gloucester | $5,927/mo | 0 | View → |
| 44 | Tewksbury | $6,593/mo | 0 | View → |
| 45 | Norwood | $6,216/mo | 0 | View → |
| 46 | North Andover | $7,042/mo | 0 | View → |
| 47 | West Springfield | $4,620/mo | 0 | View → |
| 48 | Milford | $5,887/mo | 0 | View → |
| 49 | West Roxbury | $6,593/mo | 0 | View → |
| 50 | Stoughton | $5,983/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 Massachusetts 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 Massachusetts
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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