DSCR Loans in Celina, Ohio
Celina sits in Mercer County. The facts below are what a DSCR lender actually looks at on a property here.
Mercer County seat, on Grand Lake St. Marys.
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Celina at a glance
- County
- Mercer County
- Population
- 10,935 (2020 Census)
- Type
- City
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Home values and rent in Celina
We don't have a Celina-specific median home value. Countywide, Mercer County's figure is $210,600 (ACS 2020-2024 5yr) — treat this as a county-level baseline, not a Celina number. On rent, we're again working from the county: Mercer County's median gross rent is $804/mo (ACS 2020-2024 5yr), not a Celina-specific figure.
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The county tax-drag math applies here
Mercer County's 1.10% effective tax rate applies to property in Celina — below the 1.36% statewide average. The full worked PITIA and DSCR example, built on a property at the county's median value, is on the Mercer County page — here's the tax line specifically for a property at Celina's own numbers:
- Property value used
- $210,600 (countywide)
- Mercer County effective tax rate
- 1.10%
- Estimated monthly property tax
- $193
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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Get your Celina DSCR quote
Every Celina 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" (Mercer 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.