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 | Indian Orchard | $2,944/mo | 39 | View → |
| 2 | Roxbury | $3,000/mo | 37 | View → |
| 3 | Roxbury Crossing | $3,112/mo | 34 | View → |
| 4 | North Adams | $3,200/mo | 31 | View → |
| 5 | Hyannis | $3,232/mo | 31 | View → |
| 6 | Lawrence | $3,280/mo | 29 | View → |
| 7 | Fall River | $3,329/mo | 28 | View → |
| 8 | Allston | $3,321/mo | 28 | View → |
| 9 | New Bedford | $3,377/mo | 26 | View → |
| 10 | Holyoke | $3,385/mo | 26 | View → |
| 11 | Southbridge | $3,425/mo | 25 | View → |
| 12 | Orange | $3,417/mo | 25 | View → |
| 13 | Adams | $3,521/mo | 22 | View → |
| 14 | Gardner | $3,697/mo | 17 | View → |
| 15 | Springfield | $3,794/mo | 14 | View → |
| 16 | Athol | $3,794/mo | 14 | View → |
| 17 | Greenfield | $3,850/mo | 13 | View → |
| 18 | Mattapan | $3,914/mo | 11 | View → |
| 19 | Dorchester | $3,986/mo | 9 | View → |
| 20 | Webster | $3,970/mo | 9 | View → |
| 21 | Pittsfield | $4,066/mo | 7 | View → |
| 22 | South Yarmouth | $4,050/mo | 7 | View → |
| 23 | Fitchburg | $4,107/mo | 6 | View → |
| 24 | Ware | $4,098/mo | 6 | View → |
| 25 | Lynn | $4,115/mo | 5 | View → |
| 26 | Chicopee | $4,131/mo | 5 | View → |
| 27 | Chelsea | $4,147/mo | 4 | View → |
| 28 | Buzzards Bay | $4,235/mo | 2 | View → |
| 29 | Palmer | $4,243/mo | 2 | View → |
| 30 | Brighton | $4,259/mo | 1 | View → |
| 31 | Boston | $7,379/mo | 0 | View → |
| 32 | Worcester | $4,347/mo | 0 | View → |
| 33 | Lowell | $4,564/mo | 0 | View → |
| 34 | Cambridge | $7,130/mo | 0 | View → |
| 35 | Brockton | $4,299/mo | 0 | View → |
| 36 | Quincy | $5,454/mo | 0 | View → |
| 37 | Somerville | $5,703/mo | 0 | View → |
| 38 | Framingham | $6,047/mo | 0 | View → |
| 39 | Haverhill | $5,318/mo | 0 | View → |
| 40 | Waltham | $6,256/mo | 0 | View → |
| 41 | Malden | $4,740/mo | 0 | View → |
| 42 | Medford | $6,152/mo | 0 | View → |
| 43 | Plymouth | $6,216/mo | 0 | View → |
| 44 | Revere | $4,572/mo | 0 | View → |
| 45 | Dorchester Center | $4,323/mo | 0 | View → |
| 46 | Peabody | $5,711/mo | 0 | View → |
| 47 | Brookline | $7,531/mo | 0 | View → |
| 48 | Taunton | $4,475/mo | 0 | View → |
| 49 | Methuen | $5,646/mo | 0 | View → |
| 50 | Attleboro | $5,598/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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