Rent to own Homes in St. Charles, IL

St. Charles, IL offers an amazing amount of water access in a mostly landlocked state. In St. Charles, water is easy to find at the St. Charles South Lake or along the banks of Ferson Creek. St. Charles is home to more than 33,000 people, and is located just 40 miles west of Chicago, making it an ideal place to live in the suburbs and work in the city.

St. Charles, IL is a great place for affordable rent-to-own homes! With a median household income of over $102,414 and a median rent of $1,382, the St. Charles, IL 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 St. Charles, IL. 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 St. Charles, IL rent to own homes for sale, which may include auction properties, for sale by owner, and more.
Showing 1 - 44 of 176
1609 EDINBURGH DR #117-5
Rent To Own
Tri Village
Townhouse/Condo
Bartlett, IL 60103
3
3
1826 ft2
2005
260 GREGORY M SEARS DR
Rent To Own
 
Single Family Home
Gilberts, IL 60136
4
3
1801 ft2
2003
3648 WHITE EAGLE DR
Rent To Own
White Eagle Club
Single Family Home
Naperville, IL 60564
5
3
2896 ft2
1996
2301 SUMMERLIN DR
Rent To Own
 
Single Family Home
Aurora, IL 60503
2
2
0 ft2
84 PUEBLO RD
Rent To Own
Boulder Hill
Single Family Home
Montgomery, IL 60538
3
1
988 ft2
1960
Hot
636 PEARCES FRD
Rent To Own
 
Single Family Home
Oswego, IL 60543
5
4
2800 ft2
1988
1 of 22 2S110 COLONIAL LN
Rent To Own
 
Single Family Home
Lombard, IL 60148
4
2
1944 ft2
1965
7343 Country Creek Way UNIT 4
Rent To Own
 
Single Family Home
Downers Grove, IL 60516
2
2
972 ft2
1975
12A Kingery Quarter Rd #104
Rent To Own
 
Single Family Home
Willowbrook, IL 60527
1
1
800 ft2
1981
812 N RIVER RD #2A
Rent To Own
 
Townhouse/Condo
Mount Prospect, IL 60056
2
1
1000 ft2
1983
1200 WESTFIELD WAY
Rent To Own
Town And Country
Single Family Home
Mundelein, IL 60060
4
3
3379 ft2
1997
Hot
2008 TYLER TRL
Rent To Own
Mchenry
Single Family Home
Mchenry, IL 60051
3
3
1981 ft2
2006
1 of 14 8809 West Golf Road
Rent To Own
 
Multifamily (2 - 4 Units)
Niles, IL 60714
2
2
1600 ft2
1976
5537 N CANFIELD AVE
Rent To Own
Norwood Park
Single Family Home
Chicago, IL 60656
2
2
1284 ft2
1946
1408 KENMORE AVE
Rent To Own
Round Lake Beach Ridgewood
Single Family Home
Round Lake Beach, IL 60073
3
1
968 ft2
1955
6704 W FOREST PRESERVE DR
Rent To Own
Harwood Heights
Single Family Home
Harwood Heights, IL 60706
3
3
1326 ft2
1998
838 S SCOVILLE AVE #1
Rent To Own
 
Townhouse/Condo
Oak Park, IL 60304
1
1
800 ft2
1923
5913 MONROE ST
Rent To Own
Morton Grove
Single Family Home
Morton Grove, IL 60053
3
2
1830 ft2
1960
Hot
2015 ROLLING RIDGE LN
Rent To Own
Lindenhurst
Single Family Home
Lindenhurst, IL 60046
2
2
1475 ft2
1961
Hot
1 of 31 48 HORNE ST
Rent To Own
 
Single Family Home
Saint Charles, IL 60174
2
2
1652 ft2
1912
Hot
1 of 21 310 INDIANA ST
Rent To Own
St. Charles Central Historic District
Single Family Home
Saint Charles, IL 60174
4
2
1495 ft2
1890
Hot
1 of 25 3N765 BAERT LN
Rent To Own
 
Single Family Home
Saint Charles, IL 60175
5
4
3221 ft2
1995
Hot
1 of 8 706 VIEWPOINTE DR
Rent To Own
 
Single Family Home
Saint Charles, IL 60174
3
4
2732 ft2
1993
1 of 12 921 WILDWOOD CT
Rent To Own
 
Single Family Home
Saint Charles, IL 60174
4
3
2506 ft2
1989
1 of 28 4207 ROYAL FOX DR
Rent To Own
 
Single Family Home
Saint Charles, IL 60174
5
4
2789 ft2
1996
1 of 23 608 S 4TH AVE
Rent To Own
 
Single Family Home
Saint Charles, IL 60174
4
3
2764 ft2
1999
New
1 of 12 449 NELSON DR
Rent To Own
 
Single Family Home
Geneva, IL 60134
4
3
2284 ft2
2002
1 of 39 38W497 MALLARD LAKE RD
Rent To Own
 
Single Family Home
Saint Charles, IL 60175
7
5
4328 ft2
1976
3320 HUSKING PEG LN
Rent To Own
 
Single Family Home
Geneva, IL 60134
4
3
3500 ft2
2000
1 of 31 30 W 431 Diversey Parkway
Rent To Own
 
Multifamily (2 - 4 Units)
West Chicago, IL 60185
6
5
5300 ft2
2016
Hot
1 of 42 902 ASCOT DR
Rent To Own
 
Single Family Home
Elgin, IL 60123
2
2
1449 ft2
1991
Hot
1 of 27 981 W STEARNS RD
Rent To Own
Tri Village
Single Family Home
Bartlett, IL 60103
4
3
2262 ft2
1979
557 INGALTON AVE
Rent To Own
West Chicago
Single Family Home
West Chicago, IL 60185
4
3
1820 ft2
1964
Hot
1 of 28 601 TANAGER LN
Rent To Own
West Chicago
Single Family Home
West Chicago, IL 60185
4
4
2518 ft2
1995
212 CASSIDY LN
Rent To Own
 
Single Family Home
Elgin, IL 60124
3
3
1894 ft2
2005
Hot
1 of 22 1336 CONCORD CT
Rent To Own
 
Single Family Home
Elgin, IL 60120
3
2
1700 ft2
1987
Hot
1012 SEARS CIR
Rent To Own
 
Single Family Home
Elburn, IL 60119
3
3
1800 ft2
2019
1 of 29 101 WILCOX DR
Rent To Own
Tri Village
Single Family Home
Bartlett, IL 60103
4
3
2774 ft2
1989
Hot
1 of 21 163 DAWSON DR
Rent To Own
Downtown Elgin
Single Family Home
Elgin, IL 60120
2
4
2400 ft2
2005
Hot
1 of 23 867 LIBERTY DR
Rent To Own
 
Single Family Home
Elburn, IL 60119
4
3
3202 ft2
2003
Hot
1 of 22 37W563 SCHUSTER LN
Rent To Own
 
Single Family Home
Batavia, IL 60510
4
2
2394 ft2
1995
Hot
1 of 15 3S178 NELSON LAKE RD
Rent To Own
 
Single Family Home
Batavia, IL 60510
4
3
2266 ft2
1973
1 of 47 921 N DEERPATH RD
Rent To Own
 
Single Family Home
North Aurora, IL 60542
3
2
1579 ft2
1860
Hot
1 of 12 1147 CASE LN
Rent To Own
 
Single Family Home
Elgin, IL 60120
3
1
1132 ft2
1974
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Buying a Home in St. Charles, IL

St. Charles, IL is seeing rapid growth and St. Charles, IL's' housing market remains not optimal with an average home price that is 39% above the 2024 national average. St. Charles, IL is part of Kane 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 Kane is 2.09% which is above the national average, which is 0.99%.

Median Home Price in St. Charles, IL

Median Rent in St. Charles, IL

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

Top 5 Reasons to Live in St. Charles, IL

Square footage! Average home sizes top 3,600 square feet of living space, making these homes great places to throw parties, host the holidays or simply relax after a long day at work. Rent to own properties in neighborhoods like Geneva or Cambridge are highly desirable and go fast, so start searching today!

Economical housing! While the median house price has jumped by 7.2 percent, it is still very reasonable at just under $300K. Particularly once the size and per square foot price of only $146 is thrown into the equation. Buyers can find bargains all throughout the city, but they may want to narrow their search to neighborhoods like Elgin or Rainbow Hills.

Amazing architecture! Classic examples of different architectural periods are scattered all throughout St. Charles, like the famous Farnsworth House. Designed by Ludwig Mies van der Rohe, it is recognized as a National Historic Landmark, and is open to those who enjoy exploring history. Another destination for architecture enthusiasts is the William Beith House. The intact riverstone exterior is almost unique in St. Charles, as many homes have been renovated to stucco or other modern building materials.

Plentiful parks! Perfect for outdoor fun, St. Charles has several parks that offer picnic facilities, hiking trails, tennis courts and more! The Pottawatomie Park has plenty of outdoor activities, and the Otter Cove Aquatic Park combines some natural education with a splashing good time.

Active nightlife! A plentiful selection of bars, pubs, theaters, restaurants and other nighttime venues makes St. Charles a city where residents can really enjoy life. The House Pub serves a unique selection of microbrews, and is a long held local secret. McNally's Traditional Irish Pub has all the fun fare one would expect from an Irish pub, along with the best breakfast in the city, so enjoying a pint or tucking into a big breakfast has never been easier.