DSCR Loans in Cincinnati, Ohio

Cincinnati is a city in Hamilton County, Ohio. Here's what a DSCR lender's math looks like on a rental property here.

Ohio's third-largest metro; Fortune 500 corridor (Procter & Gamble, Kroger) plus a hospital corridor gives a balanced demand base.

Cincinnati at a glance

County: Hamilton County
Population: 309,317 (2020 Census)
Type: City

Home values and rent in Cincinnati

Homes in Cincinnati carry a median value of $276,000. Median gross rent here is $1,482/mo.

The county tax-drag math applies here

Property tax on a Cincinnati rental is set at the Hamilton County rate: 1.44% effective, above the 1.36% Ohio average. The full worked PITIA and DSCR example, built on a property at the county's median value, is on the Hamilton County page — here's the tax line specifically for a property at Cincinnati's own numbers:

Property value used: $276,000
Hamilton County effective tax rate: 1.44%
Estimated monthly property tax: $331

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.

The deeper Cincinnati market analysis

This page stays focused on the county-level facts. For submarkets, worked DSCR examples on real deals, and a yield comparison against Ohio's other metros, see the full Cincinnati DSCR market page.

Get your Cincinnati DSCR quote

The figures above are city or county medians — your specific Cincinnati property will land somewhere else on the DSCR math. See where.

Compare DSCR quotes for a Cincinnati property →

Sources for this page

Wikipedia, "List of municipalities in Ohio" (population, 2020 Census) — https://en.wikipedia.org/wiki/List_of_municipalities_in_Ohio
This site's own metro market pages (median home value) — see the "Sources for this page" list on each /markets/ page for full citations
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.