Rent to own Homes in Clay City, IL

Clay City, IL is a great place for affordable rent-to-own homes! With a median household income of over $45,104 and a median rent of $448, the Clay City, 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 Clay City, 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 Clay City, IL rent to own homes for sale, which may include auction properties, for sale by owner, and more.
Showing 1 - 44 of 120
1 of 25 102 W 3RD ST
Rent To Own
 
Multifamily (5+ Units)
Flora, IL 62839
2
2
1900 ft2
1915
1 of 33 1719 N STATE RD
Rent To Own
 
Single Family Home
Flora, IL 62839
4
3
2700 ft2
2015
1 of 34 1444 county rd 1500N
Rent To Own
 
Multifamily (2 - 4 Units)
Geff, IL 62842
4
3
1568 ft2
1994
1 of 14 1202 s Baltimore
Rent To Own
 
Multifamily (2 - 4 Units)
Olney, IL 62450
3
2
1500 ft2
2002
512 E BRENTWOOD AVE
Rent To Own
 
Single Family Home
Effingham, IL 62401
2
1
820 ft2
1952
Hot
605 OXFORD ST
Rent To Own
 
Single Family Home
Grayville, IL 62844
3
2
1600 ft2
2008
1 of 50 119 N 1ST ST NW
REO Foreclosure
 
Multifamily (5+ Units)
Clay City, IL 62824
3
2
1792 ft2
1941
415 FLORA AVE
REO Foreclosure
 
Multifamily (5+ Units)
Flora, IL 62839
3
1
940 ft2
1940
609 N WORTHEY ST
Auction
 
Single Family Home
Flora, IL 62839
3
2
1716 ft2
2000
Hot
1 of 20 301 LEE AVE
REO Foreclosure
 
Single Family Home
Olney, IL 62450
3
1
1200 ft2
1979
409 LEE AVE
Auction
 
Single Family Home
Olney, IL 62450
2
1
995 ft2
1 of 18 932 E CHESTNUT ST
REO Foreclosure
 
Single Family Home
Olney, IL 62450
2
2
1300 ft2
1993
1 of 50 620 N WASHINGTON ST
REO Foreclosure
 
Single Family Home
Olney, IL 62450
2
2
1971 ft2
Hot
1103 BRADLEY DR
REO Foreclosure
 
Single Family Home
Olney, IL 62450
3
2
1273 ft2
1984
407 NW 6TH ST
Auction
 
Single Family Home
Fairfield, IL 62837
2
1
1150 ft2
4523 N 1700TH ST
REO Foreclosure
 
Single Family Home
West Liberty, IL 62475
3
1
1605 ft2
1 of 4 978 N MADISON ST
Auction
 
Single Family Home
Mason, IL 62443
3
1
384 ft2
1950
New
1 of 8 502 Poplar
REO Foreclosure
 
Single Family Home
Edgewood, IL 62426
5
2
1170 ft2
1 of 20 501 S WALNUT ST
Auction
 
Single Family Home
Wayne City, IL 62895
3
1
1218 ft2
Hot
200 CONNIE DR
REO Foreclosure
 
Single Family Home
Albion, IL 62806
3
2
1020 ft2
1952
Hot
306 N MULBERRY ST
REO Foreclosure
 
Single Family Home
Farina, IL 62838
3
1
1450 ft2
1955
2707 PINE HURST ST
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Effingham, IL 62401
1
2
1744 ft2
1995
1403 S WILLOW ST
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Effingham, IL 62401
1
1
1040 ft2
1950
1108 S 3RD ST
REO Foreclosure
 
Single Family Home
Effingham, IL 62401
1
1
1104 ft2
1962
1207 S 4TH ST
REO Foreclosure
 
Single Family Home
Effingham, IL 62401
1
1
1292 ft2
1935
105 E LAWRENCE AVE
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Effingham, IL 62401
1
1
1248 ft2
1940
713 S PARK ST
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Effingham, IL 62401
1
1
1106 ft2
1910
405 S 4TH ST
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Effingham, IL 62401
1
2
1479 ft2
1898
202 N ADAMS ST
REO Foreclosure
 
Single Family Home
Kinmundy, IL 62854
5
2
896 ft2
1935
New
104 S WILLOW ST
Auction
 
Single Family Home
Effingham, IL 62401
1
1
1299 ft2
1920
509 W CLINTON AVE
REO Foreclosure
 
Single Family Home
Effingham, IL 62401
1
2
1080 ft2
1950
510 W CLINTON AVE
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Effingham, IL 62401
1
2
1064 ft2
1920
New
304 N 1ST ST
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Effingham, IL 62401
1
1
988 ft2
1930
1001 W EDGAR AVE
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Effingham, IL 62401
1
1
744 ft2
1922
New
417 W KENTUCKY AVE
Auction
 
Single Family Home
Effingham, IL 62401
1
1
896 ft2
1917
1 of 25 18577 CHAUNCEY RD
Auction
 
Single Family Home
Sumner, IL 62466
3
1
1604 ft2
1918
1 of 9 1209 N COURT ST
Fannie Mae/Freddie Mac
 
Single Family Home
Grayville, IL 62844
3
2
1137 ft2
New
1351 CONTINENTAL CAMP RD
Auction
 
Single Family Home
Griffin, IN 47616
3
1
520 ft2
1947
1 of 15 14378 E 950TH AVE
Auction
 
Single Family Home
Effingham, IL 62401
4
2
1462 ft2
1973
Hot
9342 E SOUTH CIRCLE DR
REO Foreclosure
 
Single Family Home
Effingham, IL 62401
3
1
1095 ft2
1977
1 of 50 236 S 3RD ST SW
Auction
 
Multifamily (5+ Units)
Clay City, IL 62824
0
1
948 ft2
1933
1 of 6 331 S 8TH ST SW
Auction
 
Multifamily (5+ Units)
Clay City, IL 62824
0
2
1792 ft2
2001
124 E ADAMS ST SE
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Clay City, IL 62824
0
0
0 ft2
212 S 8TH ST SW
Pre-Foreclosure (Lis Pendens)
 
Multifamily (5+ Units)
Clay City, IL 62824
0
2
1348 ft2
1958
Map
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Buying a Home in Clay City, IL

Clay City, IL is seeing rapid growth and Clay City, IL's' housing market remains optimal with an average home price that is -70% below the 2024 national average. Clay City, IL is part of Clay 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 Clay is 1.27% which is above the national average, which is 0.99%.

Median Home Price in Clay City, IL

Median Rent in Clay City, IL

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