What makes a Oregon 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 OR

Cheapest rent-to-own markets in Oregon.

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

Last updated November 2026

Oregon ranking

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

#	City	Est. monthly payment	Score
1	La Pine	$2,310/mo	57	View →
2	Ontario	$2,366/mo	55	View →
3	Prineville	$2,366/mo	55	View →
4	Florence	$2,390/mo	55	View →
5	Sweet Home	$2,422/mo	54	View →
6	Milton Freewater	$2,422/mo	54	View →
7	Myrtle Creek	$2,422/mo	54	View →
8	Lincoln City	$2,398/mo	54	View →
9	Cottage Grove	$2,430/mo	53	View →
10	Sutherlin	$2,470/mo	52	View →
11	Talent	$2,551/mo	50	View →
12	Corvallis	$2,575/mo	49	View →
13	Sheridan	$2,591/mo	49	View →
14	Brookings	$2,615/mo	48	View →
15	Monmouth	$2,623/mo	48	View →
16	White City	$2,631/mo	48	View →
17	Stayton	$2,623/mo	48	View →
18	Coos Bay	$2,647/mo	47	View →
19	Baker City	$2,655/mo	47	View →
20	Tillamook	$2,695/mo	46	View →
21	Independence	$2,703/mo	46	View →
22	La Grande	$2,727/mo	45	View →
23	Seaside	$2,839/mo	42	View →
24	Klamath Falls	$2,855/mo	41	View →
25	Junction City	$2,879/mo	41	View →
26	Springfield	$2,911/mo	40	View →
27	Grants Pass	$2,911/mo	40	View →
28	Redmond	$2,911/mo	40	View →
29	North Bend	$2,895/mo	40	View →
30	Newport	$2,911/mo	40	View →
31	Woodburn	$2,936/mo	39	View →
32	Madras	$2,919/mo	39	View →
33	Fairview	$2,944/mo	39	View →
34	Roseburg	$2,960/mo	38	View →
35	Lebanon	$3,016/mo	37	View →
36	The Dalles	$3,000/mo	37	View →
37	Dallas	$3,016/mo	37	View →
38	Veneta	$3,008/mo	37	View →
39	Pendleton	$3,048/mo	36	View →
40	Astoria	$3,056/mo	36	View →
41	Saint Helens	$3,072/mo	35	View →
42	Medford	$3,112/mo	34	View →
43	Forest Grove	$3,104/mo	34	View →
44	Creswell	$3,104/mo	34	View →
45	Molalla	$3,128/mo	33	View →
46	Eagle Point	$3,168/mo	32	View →
47	Silverton	$3,216/mo	31	View →
48	Cornelius	$3,232/mo	31	View →
49	Albany	$3,264/mo	30	View →
50	Mcminnville	$3,256/mo	30	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 Oregon 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.