Rent to own Homes in Merced, CA

Merced, California, sits less than two hours away from one of the nation's premier natural treasures, Yosemite National Park. It's an agricultural city, situated in an area that is one of most productive food regions in the world. Growth in tech and transportation has diversified the economy somewhat, but the primary focus remains agriculture.

Merced, CA is a great place for affordable rent-to-own homes! With a median household income of over $49,973 and a median rent of $1,032, the Merced, CA rent-to-own market is more affordable than the traditional housing market which has shown tremendous growth across the U.S. and with it, aggressive competition for home purchases. With the current housing shortage trend it can make it harder to become a homeowner, including in Merced, CA. This means higher than average down payments for homes and higher qualification standards for conventional home loans. With a rent-to-own property, tenants are also buyers. You can live in the house for a set amount of time before you purchase it, meaning that you get to know the house, your neighbors, and your community before making the final purchase. This enables you and your family to make the right choice based on both information and experience. Rent-to-own is also a great alternative way to get into a home if you have bad credit or don't have enough saved for a down payment.

Check out Merced, CA rent to own homes for sale, which may include auction properties, for sale by owner, and more.
Showing 1 - 44 of 176
4120 RETREAT CT
Rent To Own
Central Modesto
Single Family Home
Modesto, CA 95356
4
3
2544 ft2
2003
621 CADIZ AVE
Rent to Own Eligible
South Merced
Single Family Home
Merced, CA 95341
3
2
1239 ft2
2022
365 E 20TH ST
Rent to Own Eligible
Downtown Merced
Single Family Home
Merced, CA 95340
2
1
966 ft2
1930
4244 RUTHERFORD AVE
Rent to Own Eligible
Bellevue Ranch
Single Family Home
Merced, CA 95348
3
3
1555 ft2
2021
1420 ANTIOCH CT
Rent to Own Eligible
 
Single Family Home
Merced, CA 95348
3
2
1603 ft2
2007
2331 R ST
Rent to Own Eligible
Downtown Merced
Single Family Home
Merced, CA 95340
3
1
1040 ft2
1952
1 of 5 1481 STRETCH RD
Rent to Own Eligible
 
Single Family Home
Merced, CA 95340
2
1
988 ft2
1945
1 of 70 654 STANFORD CT
Rent to Own Eligible
Bellevue Ranch
Single Family Home
Merced, CA 95348
3
2
1600 ft2
1980
New
348 NOME WAY
Rent to Own Eligible
North Merced
Single Family Home
Merced, CA 95348
3
2
1250 ft2
2018
1905 D ST
Rent to Own Eligible
Downtown Merced
Single Family Home
Merced, CA 95340
2
1
1254 ft2
1947
773 BRIANNE CT
Rent to Own Eligible
South Merced
Single Family Home
Merced, CA 95341
3
2
1000 ft2
2020
2087 W LOBO AVE
Rent to Own Eligible
Franklin
Single Family Home
Merced, CA 95348
3
2
1287 ft2
2004
2768 SARATOGA AVE
Rent to Own Eligible
 
Single Family Home
Merced, CA 95340
3
2
1974 ft2
1979
315 OSTRANDER AVE
Rent to Own Eligible
 
Single Family Home
Merced, CA 95341
4
2
1381 ft2
2020
1253 W 11TH ST
Rent to Own Eligible
South Merced
Single Family Home
Merced, CA 95341
3
1
1569 ft2
1957
New
435 E SAN PEDRO ST
Rent to Own Eligible
South Merced
Single Family Home
Merced, CA 95341
4
2
1617 ft2
2016
New
1099 E OLIVE AVE
Rent to Own Eligible
North Merced
Single Family Home
Merced, CA 95340
4
2
1735 ft2
1960
1317 DERBY DR
Rent to Own Eligible
 
Single Family Home
Merced, CA 95348
4
2
1894 ft2
2005
New
2559 BALLANTYNE DR
Rent to Own Eligible
Southeast Merced
Single Family Home
Merced, CA 95341
3
1
1412 ft2
1956
Hot New
119 S MELODY LN
Rent to Own Eligible
North Merced
Single Family Home
Merced, CA 95340
1
1
672 ft2
1949
New
1833 HELENA CT
Rent to Own Eligible
North Merced
Single Family Home
Merced, CA 95348
3
2
1332 ft2
1975
New
414 BUENA VISTA DR
Rent to Own Eligible
North Merced
Single Family Home
Merced, CA 95348
3
2
1120 ft2
1993
2068 LOBO AVE
Rent to Own Eligible
Franklin
Single Family Home
Merced, CA 95348
2
1
672 ft2
1932
733 TARYN CT
Rent to Own Eligible
South Merced
Single Family Home
Merced, CA 95341
3
2
1624 ft2
2020
1 of 46 3308 OLYMPIA CT
Rent to Own Eligible
North Merced
Single Family Home
Merced, CA 95348
3
2
1122 ft2
1977
2695 MIDGE AVE
Rent to Own Eligible
 
Single Family Home
Merced, CA 95340
3
2
1280 ft2
1961
1 of 21 384 EMERALD DR
Rent to Own Eligible
North Merced
Single Family Home
Merced, CA 95340
3
2
1604 ft2
1977
230 W 25TH ST
Rent to Own Eligible
Downtown Merced
Single Family Home
Merced, CA 95340
2
1
1151 ft2
1940
452 W 5TH ST
Rent to Own Eligible
Gateways
Single Family Home
Merced, CA 95341
3
1
1044 ft2
1961
New
3084 ASPEN ST
Rent to Own Eligible
North Merced
Single Family Home
Merced, CA 95340
3
3
1881 ft2
1989
New
598 E 23RD ST
Rent to Own Eligible
Downtown Merced
Single Family Home
Merced, CA 95340
2
1
988 ft2
1947
New
2045 AVALON DR
Rent to Own Eligible
Southeast Merced
Single Family Home
Merced, CA 95341
3
1
1320 ft2
1954
2867 WAINWRIGHT AVE
Rent to Own Eligible
North Merced
Single Family Home
Merced, CA 95340
3
2
1721 ft2
1967
3405 SUENO CT
Rent to Own Eligible
North Merced
Single Family Home
Merced, CA 95348
3
2
1528 ft2
1991
Hot
3569 TAMMY CT
Rent to Own Eligible
North Merced
Single Family Home
Merced, CA 95348
4
2
1781 ft2
1977
3120 DINKEY CREEK AVE
Rent to Own Eligible
 
Single Family Home
Merced, CA 95341
3
2
1272 ft2
2007
New
380 SULLIVAN DR
Rent to Own Eligible
Bellevue Ranch
Single Family Home
Merced, CA 95348
3
3
1440 ft2
2020
688 SAN JOAQUIN CT
Rent to Own Eligible
Atwater
Townhouse/Condo
Atwater, CA 95301
3
2
1397 ft2
2003
585 LAWRENCE CT
Rent to Own Eligible
Atwater
Single Family Home
Atwater, CA 95301
4
2
1852 ft2
2004
589 INDEPENDENCE CT
Rent to Own Eligible
Atwater
Single Family Home
Atwater, CA 95301
4
2
1562 ft2
1990
1928 RANCHO DEL REY DR
Rent to Own Eligible
Atwater
Single Family Home
Atwater, CA 95301
3
2
1504 ft2
1977
423 CINDY DR
Rent to Own Eligible
Atwater
Single Family Home
Atwater, CA 95301
3
2
1504 ft2
1978
1 of 48 3020 LAGOON AVE
Rent to Own Eligible
Atwater
Single Family Home
Atwater, CA 95301
3
2
1341 ft2
1993
New
384 DELLA DR
Rent to Own Eligible
Atwater
Single Family Home
Atwater, CA 95301
4
2
1489 ft2
1978
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Buying a Home in Merced, CA

Merced, CA is seeing rapid growth and Merced, CA's' housing market remains not optimal with an average home price that is 16% above the 2024 national average. Merced, CA is part of Merced county and taxes are an important factor to consider when purchasing a home whether through rent to own or a traditional purchase. The average tax rate as of 2024 for county Merced is 0.65% which is below the national average, which is 0.99%.

Median Home Price in Merced, CA

Median Rent in Merced, CA

Rent to own homes offer low monthly payments and flexible terms.

Top Reasons to Live in Merced CA

Housing Statistics Merced was hit very hard when housing crashed. Home values fell to 1998 levels. In 2009, one out of 10 homes was in a foreclosure filing, a rate that was number one in California and sixth nationwide. A rebound is underway but it's going to take awhile to regain lost values. The summer of 2013 saw the median home sale price up 31.3 percent, or $36,000, to an average of $151,000. The average list price for August was $254,829. 51.9 percent of the homes occupied are rentals and there is a vacancy rate of just over 9 percent. Rent to own houses are a popular alternative selling method.

In the Middle of Great Tourist Locations The High Sierra and Yosemite are to the east and are the biggest tourist draws, even giving Merced the moniker "Gateway to Yosemite." In addition, Kings Canyon and Sequoia National Parks are close by. Camping, hiking, mountain biking, and every kind of mountain adventure is within easy reach. The attractions of Monterey Bay and the Big Sur coastline are almost due west of Merced. Merced is in a huge agricultural valley with vast tracts of farmland, but there are recreation areas mixed in. The San Luis National Wildlife Refuge lies just a few minutes west of town.

Transportation and Commutes Merced is isolated enough from big cities that most of the 80,000 people who live there also work and study in the same area. Commutes to the north to Modesto or south to Fresno do happen, but count on an hour or more to either in traffic. The Amtrak San Joaquin line stops in Merced and there is a regional airport. Highway 99 is the main north-south highway, with Sacramento to the north and Los Angeles to the south.

Merced Neighborhoods Merced does have a higher than average crime rate, especially property crimes like car theft, so it's important to take security into consideration when picking a neighborhood. Here are some you should know about: