Cheapest rent-to-own markets in Montana.
Rent-to-own works best where monthly carrying costs are reachable on a typical household income. This ranks Montana by estimated monthly payment on a median-priced home with a 10% option fee.
Last updated
Montana ranking
25 cities ranked. Click any row for the matching local page.
| # | City | Est. monthly payment | Score | |
|---|---|---|---|---|
| 1 | Billings | $4,516/mo | 0 | View → |
| 2 | Sidney | $4,123/mo | 5 | View → |
| 3 | Bozeman | $3,858/mo | 13 | View → |
| 4 | Helena | $3,689/mo | 17 | View → |
| 5 | Missoula | $3,465/mo | 24 | View → |
| 6 | Bigfork | $3,353/mo | 27 | View → |
| 7 | Belgrade | $3,312/mo | 28 | View → |
| 8 | Laurel | $3,280/mo | 29 | View → |
| 9 | Butte | $3,240/mo | 30 | View → |
| 10 | Whitefish | $3,248/mo | 30 | View → |
| 11 | Kalispell | $3,168/mo | 32 | View → |
| 12 | Great Falls | $3,056/mo | 36 | View → |
| 13 | Glendive | $2,992/mo | 37 | View → |
| 14 | Columbia Falls | $2,759/mo | 44 | View → |
| 15 | Livingston | $2,775/mo | 44 | View → |
| 16 | Havre | $2,719/mo | 45 | View → |
| 17 | Miles City | $2,711/mo | 45 | View → |
| 18 | Stevensville | $2,583/mo | 49 | View → |
| 19 | Lewistown | $2,575/mo | 49 | View → |
| 20 | Anaconda | $2,534/mo | 50 | View → |
| 21 | Polson | $2,526/mo | 51 | View → |
| 22 | Dillon | $2,510/mo | 51 | View → |
| 23 | Hamilton | $2,470/mo | 52 | View → |
| 24 | Libby | $2,374/mo | 55 | View → |
| 25 | Browning | $2,190/mo | 60 | 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 Montana 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 Montana
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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