DSCR Loans in Ada, Ohio

Ada sits in Hardin County. The facts below are what a DSCR lender actually looks at on a property here.

Ada at a glance

County: Hardin County
Population: 5,334 (2020 Census)
Type: Village

Home values and rent in Ada

Countywide, Hardin County's median home value is $151,200 (ACS 2020-2024 5yr) — a Ada-specific figure isn't independently published, so this reflects the whole county, not Ada alone. Countywide, Hardin County's median gross rent is $793/mo (ACS 2020-2024 5yr) — again, a county figure standing in for a Ada number we don't have.

The county tax-drag math applies here

Ada sits in Hardin County, where the effective property tax rate is 1.05% — below Ohio's 1.36% statewide average. The full worked PITIA and DSCR example, built on a property at the county's median value, is on the Hardin County page — here's the tax line specifically for a property at Ada's own numbers:

Property value used: $151,200 (countywide)
Hardin County effective tax rate: 1.05%
Estimated monthly property tax: $132

That estimate uses an observed Ohio DSCR average of 7.20% (Q2 2026)¹ elsewhere in the full county example — this is a market observation, not an offer; your rate depends on your DSCR, credit, LTV and loan purpose, and is set by the lender, not by us.

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Every Ada property prices differently once a lender sees the real rent and file. Compare quotes on yours.

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Sources for this page

Wikipedia, "List of municipalities in Ohio" (population, 2020 Census) — https://en.wikipedia.org/wiki/List_of_municipalities_in_Ohio
CostByCounty, "Cost of Living in Ohio by County" (Hardin County median home value, county-fallback) — https://costbycounty.com/ohio
Private Lender Link (Ohio DSCR rate average, Q2 2026) — https://privatelenderlink.com/region/usa/ohio/residential-long-term-rental-ohio-usa/

Last updated 2026-08-25. Figures are refreshed periodically from the sources above, each with its own as-of date.