Rent to own Homes in Otego, NY

Otego, NY is a great place for affordable rent-to-own homes! With a median household income of over $56,000 and a median rent of $768, the Otego, NY 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 Otego, NY. 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 Otego, NY rent to own homes for sale, which may include auction properties, for sale by owner, and more.
Showing 1 - 44 of 176
1 of 86 2515 New York 28
Rent To Own
 
Multifamily (2 - 4 Units)
Oneonta, NY 13820
3
2
8944 ft2
1972
1 of 9 448 CRIDDLE RD
Rent to Own Eligible
 
Single Family Home
Susquehanna, PA 18847
4
1
2500 ft2
1900
6992 Dunk Hill Rd
Rent To Own
 
Single Family Home
Franklin, NY 13775
1
1
600 ft2
2022
33 CHURCH ST
Rent To Own
 
Single Family Home
Unadilla, NY 13849
1
1
912 ft2
1950
1 of 58 2942 COUNTY HIGHWAY 23
Rent To Own
 
Single Family Home
Walton, NY 13856
8
4
4500 ft2
1904
157 COUNTY HIGHWAY 47
Rent To Own
 
Single Family Home
Oneonta, NY 13820
1
1
728 ft2
1920
1 of 5 State Route 7
Rent To Own
 
Multifamily (2 - 4 Units)
Sidney, NY 13838
3
6
8600 ft2
2000
Hot
1 of 8 72 BRUCE ST
Rent To Own
 
Single Family Home
Walton, NY 13856
4
1
2125 ft2
1900
Hot
1 of 5 64 MEAD ST
Rent To Own
 
Single Family Home
Walton, NY 13856
4
2
1470 ft2
1900
1 of 27 3815 COUNTY HIGHWAY 18
Rent To Own
 
Single Family Home
New Berlin, NY 13411
6
3
2984 ft2
1840
Hot
1 of 27 1043 COUNTY ROAD 29
Rent To Own
 
Single Family Home
South New Berlin, NY 13843
3
1
1472 ft2
1900
1 of 33 7456 STATE HIGHWAY 268
Rent To Own
 
Single Family Home
Hancock, NY 13783
6
3
3100 ft2
1900
Hot
1 of 6 134 LOWER TODDSVILLE RD
Rent To Own
 
Single Family Home
Cooperstown, NY 13326
3
1
1800 ft2
1820
1 of 16 51830 STATE HIGHWAY 10
Rent To Own
 
Townhouse/Condo
Bloomville, NY 13739
6
4
2500 ft2
1900
141 CRANDALL ST
Rent To Own
 
Single Family Home
Norwich, NY 13815
4
2
1700 ft2
1875
Hot
1 of 35 615 BUCK RD
Rent To Own
 
Single Family Home
Davenport, NY 13750
3
3
1900 ft2
1999
407 DOING RD
Rent To Own
 
Single Family Home
Norwich, NY 13815
3
1
1134 ft2
1957
1 of 25 25 Lake Shore Rd
Rent To Own
 
Multifamily (2 - 4 Units)
Kortright, NY 13739
3
4
2184 ft2
2012
1 of 23 291 MAPLE VALLEY RD
Rent To Own
 
Single Family Home
Worcester, NY 12197
6
1
1800 ft2
1 of 12 489 JACKSON AVE
Rent To Own
 
Single Family Home
Susquehanna, PA 18847
3
2
1800 ft2
28 FAIR ST
Rent To Own
 
Townhouse/Condo
Norwich, NY 13815
7
7
4250 ft2
1950
New
1 of 10 5 CHURCH ST
Auction
 
Single Family Home
Otego, NY 13825
4
2
1847 ft2
1920
2324 WELLS BRIDGE RD
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Otego, NY 13825
4
2
1092 ft2
1955
418 BISSELL RD
REO Foreclosure
 
Single Family Home
Franklin, NY 13775
5
1
1692 ft2
1927
New
10 RICHARDS AVE
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Oneonta, NY 13820
4
3
1236 ft2
1940
367 CHESTNUT ST
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Oneonta, NY 13820
3
2
924 ft2
1920
Hot
1 of 20 1013 CAMPBELL RD
REO Foreclosure
 
Single Family Home
Franklin, NY 13775
3
2
1507 ft2
1997
New
2971 STATE HIGHWAY 28 S
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Oneonta, NY 13820
4
2
1700 ft2
1920
New
28 SPENCER DR
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Oneonta, NY 13820
3
3
1865 ft2
1967
New
1 of 27 70 GILBERT ST
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Oneonta, NY 13820
3
2
1040 ft2
1900
New
113 RIVER ST
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Oneonta, NY 13820
3
2
1521 ft2
1900
12 BIRCH ST
Pre-Foreclosure (Lis Pendens)
 
Townhouse/Condo
Oneonta, NY 13820
4
4
1862 ft2
1920
1 of 53 139 SOUTHSIDE DR
REO Foreclosure
 
Single Family Home
Oneonta, NY 13820
3
1
1406 ft2
1910
112 COUNTY HIGHWAY 51
REO Foreclosure
 
Single Family Home
Morris, NY 13808
3
1
960 ft2
1995
Hot
1 WEIDMAN ST
REO Foreclosure
 
Single Family Home
Unadilla, NY 13849
6
2
2094 ft2
1900
New
42-44 ACADEMY ST
Pre-Foreclosure (Lis Pendens)
 
Townhouse/Condo
Oneonta, NY 13820
6
2
2088 ft2
1900
New
1 3RD ST
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Oneonta, NY 13820
3
1
1586 ft2
1900
1 of 10 5 STAPLETON AVE
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Oneonta, NY 13820
3
2
1088 ft2
1910
New
79 HUDSON ST
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Oneonta, NY 13820
3
2
1496 ft2
1920
144 MAIN ST
REO Foreclosure
 
Single Family Home
Unadilla, NY 13849
4
3
2564 ft2
1900
New
4 ROSE AVE
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Oneonta, NY 13820
3
1
1344 ft2
1920
New
2514 STATE HIGHWAY 23
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Laurens, NY 13796
3
2
2300 ft2
1900
New
109 E MAIN ST
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Milford, NY 13807
4
2
1962 ft2
1890
56 BROAD ST
Pre-Foreclosure (Lis Pendens)
 
Single Family Home
Morris, NY 13808
6
3
4112 ft2
1873
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Buying a Home in Otego, NY

Otego, NY is seeing rapid growth and Otego, NY's' housing market remains optimal with an average home price that is -34% below the 2024 national average. Otego, NY is part of Otsego 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 Otsego is 1.59% which is above the national average, which is 0.99%.

Median Home Price in Otego, NY

Median Rent in Otego, NY

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