Cheapest rent-to-own markets in Washington.
Rent-to-own works best where monthly carrying costs are reachable on a typical household income. This ranks Washington by estimated monthly payment on a median-priced home with a 10% option fee.
Last updated
Washington ranking
50 cities ranked. Click any row for the matching local page.
| # | City | Est. monthly payment | Score | |
|---|---|---|---|---|
| 1 | Toppenish | $2,968/mo | 38 | View → |
| 2 | Newport | $2,984/mo | 38 | View → |
| 3 | Goldendale | $2,976/mo | 38 | View → |
| 4 | Wapato | $3,000/mo | 37 | View → |
| 5 | Sunnyside | $3,032/mo | 36 | View → |
| 6 | Hoquiam | $3,104/mo | 34 | View → |
| 7 | College Place | $3,136/mo | 33 | View → |
| 8 | Omak | $3,160/mo | 33 | View → |
| 9 | Mattawa | $3,184/mo | 32 | View → |
| 10 | Centralia | $3,224/mo | 31 | View → |
| 11 | Cheney | $3,224/mo | 31 | View → |
| 12 | Winlock | $3,216/mo | 31 | View → |
| 13 | Quincy | $3,304/mo | 28 | View → |
| 14 | Grandview | $3,353/mo | 27 | View → |
| 15 | Ephrata | $3,353/mo | 27 | View → |
| 16 | Kelso | $3,425/mo | 25 | View → |
| 17 | Colville | $3,417/mo | 25 | View → |
| 18 | Aberdeen | $3,449/mo | 24 | View → |
| 19 | Othello | $3,449/mo | 24 | View → |
| 20 | Clarkston | $3,577/mo | 21 | View → |
| 21 | Port Townsend | $3,553/mo | 21 | View → |
| 22 | Elma | $3,593/mo | 20 | View → |
| 23 | Belfair | $3,601/mo | 20 | View → |
| 24 | Ellensburg | $3,633/mo | 19 | View → |
| 25 | Pullman | $3,738/mo | 16 | View → |
| 26 | Chehalis | $3,738/mo | 16 | View → |
| 27 | Lakewood | $3,786/mo | 15 | View → |
| 28 | Longview | $3,850/mo | 13 | View → |
| 29 | Yelm | $3,922/mo | 11 | View → |
| 30 | Prosser | $3,906/mo | 11 | View → |
| 31 | Deer Park | $3,922/mo | 11 | View → |
| 32 | Burlington | $3,938/mo | 10 | View → |
| 33 | Port Angeles | $3,994/mo | 9 | View → |
| 34 | Shelton | $3,978/mo | 9 | View → |
| 35 | Montesano | $4,026/mo | 8 | View → |
| 36 | Sequim | $4,066/mo | 7 | View → |
| 37 | Medical Lake | $4,066/mo | 7 | View → |
| 38 | Rochester | $4,074/mo | 6 | View → |
| 39 | Sumner | $4,131/mo | 5 | View → |
| 40 | Moses Lake | $4,163/mo | 4 | View → |
| 41 | Yakima | $4,211/mo | 3 | View → |
| 42 | Lynden | $4,187/mo | 3 | View → |
| 43 | Castle Rock | $4,211/mo | 3 | View → |
| 44 | Sedro Woolley | $4,235/mo | 2 | View → |
| 45 | Mountlake Terrace | $4,227/mo | 2 | View → |
| 46 | Bremerton | $4,275/mo | 1 | View → |
| 47 | Ferndale | $4,275/mo | 1 | View → |
| 48 | Seattle | $6,545/mo | 0 | View → |
| 49 | Spokane | $4,347/mo | 0 | View → |
| 50 | Tacoma | $4,852/mo | 0 | 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 Washington 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 Washington
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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