What makes a Missouri 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.

Buyer authority MO

Cheapest rent-to-own markets in Missouri.

Rent-to-own works best where monthly carrying costs are reachable on a typical household income. This ranks Missouri by estimated monthly payment on a median-priced home with a 10% option fee.

Last updated November 2026

Missouri ranking

50 cities ranked. Click any row for the matching local page.

#	City	Est. monthly payment	Score
1	Mountain Grove	$1,131/mo	91	View →
2	Doniphan	$1,155/mo	90	View →
3	Ava	$1,139/mo	90	View →
4	Park Hills	$1,171/mo	89	View →
5	Maryville	$1,187/mo	89	View →
6	Aurora	$1,179/mo	89	View →
7	Fredericktown	$1,187/mo	89	View →
8	Eldon	$1,187/mo	89	View →
9	Potosi	$1,187/mo	89	View →
10	West Plains	$1,211/mo	88	View →
11	Moberly	$1,219/mo	88	View →
12	Marshall	$1,235/mo	88	View →
13	Saint Ann	$1,219/mo	88	View →
14	Salem	$1,219/mo	88	View →
15	Kennett	$1,235/mo	88	View →
16	Warsaw	$1,203/mo	88	View →
17	Hollister	$1,211/mo	88	View →
18	Cuba	$1,227/mo	88	View →
19	Cassville	$1,235/mo	88	View →
20	Trenton	$1,227/mo	88	View →
21	Kirksville	$1,251/mo	87	View →
22	Sullivan	$1,259/mo	87	View →
23	Nevada	$1,267/mo	87	View →
24	Buffalo	$1,259/mo	87	View →
25	Neosho	$1,307/mo	86	View →
26	Hazelwood	$1,307/mo	86	View →
27	Fort Leonard Wood	$1,299/mo	86	View →
28	Webb City	$1,291/mo	86	View →
29	Saint Clair	$1,275/mo	86	View →
30	Seymour	$1,275/mo	86	View →
31	Reeds Spring	$1,307/mo	86	View →
32	Macon	$1,307/mo	86	View →
33	Grandview	$1,339/mo	85	View →
34	Carthage	$1,331/mo	85	View →
35	Hannibal	$1,315/mo	85	View →
36	Bonne Terre	$1,323/mo	85	View →
37	Bowling Green	$1,323/mo	85	View →
38	Poplar Bluff	$1,355/mo	84	View →
39	Lebanon	$1,355/mo	84	View →
40	Sikeston	$1,355/mo	84	View →
41	De Soto	$1,355/mo	84	View →
42	Mexico	$1,355/mo	84	View →
43	Clinton	$1,363/mo	84	View →
44	Monett	$1,363/mo	84	View →
45	Chillicothe	$1,372/mo	84	View →
46	Lamar	$1,363/mo	84	View →
47	Pevely	$1,347/mo	84	View →
48	Sedalia	$1,388/mo	83	View →
49	Bolivar	$1,396/mo	83	View →
50	Camdenton	$1,396/mo	83	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 Missouri 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.