Cheapest rent-to-own markets in Pennsylvania.
Rent-to-own works best where monthly carrying costs are reachable on a typical household income. This ranks Pennsylvania by estimated monthly payment on a median-priced home with a 10% option fee.
Last updated
Pennsylvania ranking
50 cities ranked. Click any row for the matching local page.
| # | City | Est. monthly payment | Score | |
|---|---|---|---|---|
| 1 | Braddock | $1,211/mo | 88 | View → |
| 2 | Mount Carmel | $1,307/mo | 86 | View → |
| 3 | Sharon | $1,331/mo | 85 | View → |
| 4 | Corry | $1,339/mo | 85 | View → |
| 5 | Coal Township | $1,323/mo | 85 | View → |
| 6 | Shamokin | $1,323/mo | 85 | View → |
| 7 | Plymouth | $1,331/mo | 85 | View → |
| 8 | Monessen | $1,315/mo | 85 | View → |
| 9 | Lewistown | $1,363/mo | 84 | View → |
| 10 | Connellsville | $1,355/mo | 84 | View → |
| 11 | Nanticoke | $1,363/mo | 84 | View → |
| 12 | Ambridge | $1,347/mo | 84 | View → |
| 13 | Titusville | $1,355/mo | 84 | View → |
| 14 | Tamaqua | $1,363/mo | 84 | View → |
| 15 | North Versailles | $1,363/mo | 84 | View → |
| 16 | Vandergrift | $1,363/mo | 84 | View → |
| 17 | Brownsville | $1,372/mo | 84 | View → |
| 18 | Sunbury | $1,388/mo | 83 | View → |
| 19 | Carbondale | $1,388/mo | 83 | View → |
| 20 | Wilkes Barre | $1,444/mo | 82 | View → |
| 21 | Chester | $1,420/mo | 82 | View → |
| 22 | Bradford | $1,420/mo | 82 | View → |
| 23 | Oil City | $1,420/mo | 82 | View → |
| 24 | Punxsutawney | $1,444/mo | 82 | View → |
| 25 | Clearfield | $1,420/mo | 82 | View → |
| 26 | Charleroi | $1,428/mo | 82 | View → |
| 27 | Hazleton | $1,460/mo | 81 | View → |
| 28 | Darby | $1,476/mo | 81 | View → |
| 29 | Greenville | $1,468/mo | 81 | View → |
| 30 | Franklin | $1,452/mo | 81 | View → |
| 31 | Philipsburg | $1,476/mo | 81 | View → |
| 32 | Clarion | $1,460/mo | 81 | View → |
| 33 | Sharon Hill | $1,452/mo | 81 | View → |
| 34 | Ford City | $1,476/mo | 81 | View → |
| 35 | Everett | $1,476/mo | 81 | View → |
| 36 | Johnstown | $1,484/mo | 80 | View → |
| 37 | Pottsville | $1,516/mo | 80 | View → |
| 38 | Du Bois | $1,492/mo | 80 | View → |
| 39 | Berwick | $1,508/mo | 80 | View → |
| 40 | Homestead | $1,492/mo | 80 | View → |
| 41 | Huntingdon | $1,516/mo | 80 | View → |
| 42 | Ellwood City | $1,516/mo | 80 | View → |
| 43 | New Brighton | $1,484/mo | 80 | View → |
| 44 | Milton | $1,516/mo | 80 | View → |
| 45 | Windber | $1,508/mo | 80 | View → |
| 46 | Tarentum | $1,500/mo | 80 | View → |
| 47 | Scottdale | $1,508/mo | 80 | View → |
| 48 | Union City | $1,484/mo | 80 | View → |
| 49 | Scranton | $1,532/mo | 79 | View → |
| 50 | West Mifflin | $1,524/mo | 79 | 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 Pennsylvania 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 Pennsylvania
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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