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
Missouri ranking
50 cities ranked. Click any row for the matching local page.
| # | City | Est. monthly payment | Score | |
|---|---|---|---|---|
| 1 | Chesterfield | $3,200/mo | 31 | View → |
| 2 | Ballwin | $2,615/mo | 48 | View → |
| 3 | Grover | $2,591/mo | 49 | View → |
| 4 | Lees Summit | $2,510/mo | 51 | View → |
| 5 | Saint Charles | $2,470/mo | 52 | View → |
| 6 | O Fallon | $2,406/mo | 54 | View → |
| 7 | Lake Saint Louis | $2,366/mo | 55 | View → |
| 8 | Eureka | $2,390/mo | 55 | View → |
| 9 | Fenton | $2,342/mo | 56 | View → |
| 10 | Liberty | $2,334/mo | 56 | View → |
| 11 | Wentzville | $2,342/mo | 56 | View → |
| 12 | Greenwood | $2,318/mo | 57 | View → |
| 13 | Saint Peters | $2,278/mo | 58 | View → |
| 14 | Kearney | $2,278/mo | 58 | View → |
| 15 | Platte City | $2,254/mo | 58 | View → |
| 16 | Blue Springs | $2,222/mo | 59 | View → |
| 17 | Saint Louis | $2,214/mo | 60 | View → |
| 18 | Florissant | $2,141/mo | 62 | View → |
| 19 | Smithville | $2,125/mo | 62 | View → |
| 20 | Raymore | $2,101/mo | 63 | View → |
| 21 | Kansas City | $2,053/mo | 64 | View → |
| 22 | Nixa | $2,013/mo | 65 | View → |
| 23 | Imperial | $2,037/mo | 65 | View → |
| 24 | Peculiar | $1,949/mo | 67 | View → |
| 25 | Columbia | $1,917/mo | 68 | View → |
| 26 | Arnold | $1,917/mo | 68 | View → |
| 27 | Ozark | $1,933/mo | 68 | View → |
| 28 | High Ridge | $1,925/mo | 68 | View → |
| 29 | Belton | $1,893/mo | 69 | View → |
| 30 | Pacific | $1,893/mo | 69 | View → |
| 31 | Valley Park | $1,901/mo | 69 | View → |
| 32 | Jefferson City | $1,837/mo | 70 | View → |
| 33 | Grain Valley | $1,861/mo | 70 | View → |
| 34 | Barnhart | $1,861/mo | 70 | View → |
| 35 | Washington | $1,821/mo | 71 | View → |
| 36 | Rogersville | $1,813/mo | 71 | View → |
| 37 | Springfield | $1,797/mo | 72 | View → |
| 38 | Festus | $1,773/mo | 72 | View → |
| 39 | Maryland Heights | $1,797/mo | 72 | View → |
| 40 | Pleasant Hill | $1,797/mo | 72 | View → |
| 41 | Holts Summit | $1,732/mo | 73 | View → |
| 42 | Oak Grove | $1,708/mo | 74 | View → |
| 43 | Dexter | $1,668/mo | 75 | View → |
| 44 | Waynesville | $1,684/mo | 75 | View → |
| 45 | Wright City | $1,668/mo | 75 | View → |
| 46 | Carl Junction | $1,692/mo | 75 | View → |
| 47 | Brookline | $1,660/mo | 75 | View → |
| 48 | Troy | $1,636/mo | 76 | View → |
| 49 | Independence | $1,588/mo | 77 | View → |
| 50 | Joplin | $1,604/mo | 77 | 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.
Other reports for Missouri
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 Missouri work for you.
Free to list. No percentage commission.
Free to list. No percentage commission.
Privacy secured | Advertising disclosures