Counties Served: DSCR Loans Across Ohio
Ohio's 88 counties don't tax rental property the same way — effective property tax rates run from under 1% in rural counties to over 2.3% in parts of Cuyahoga and Montgomery, and that spread is large enough to move a real deal from cash-flowing to underwater on identical rent and price. A DSCR loan qualifies a borrower on the property's rent against its full monthly payment — taxes included — so the county a property sits in is not a footnote to the math. It's an input.
Every county below has its own page: county seat, population, effective tax rate, median home value and rent, a worked PITIA/DSCR example built on that county's own numbers, and links to every city and village inside it that carries its own page. Counties are grouped by Ohio's five standard regions (SERVE Ohio's official geographic-regions assignment).
01
NW Ohio
| County | Seat | Effective tax rate | Median home value |
|---|---|---|---|
| Allen → | Lima | 1.06% | $165,300 |
| Auglaize → | Wapakoneta | 0.96% | $189,800 |
| Defiance → | Defiance | 1.07% | $163,200 |
| Erie → | Sandusky | 1.14% | $199,700 |
| Fulton → | Wauseon | 1.28% | $191,000 |
| Hancock → | Findlay | 0.92% | $204,700 |
| Hardin → | Kenton | 1.05% | $151,200 |
| Henry → | Napoleon | 1.17% | $168,600 |
| Huron → | Norwalk | 1.05% | $166,000 |
| Lucas → | Toledo | 1.55% | $163,900 |
| Mercer → | Celina | 1.10% | $210,600 |
| Ottawa → | Port Clinton | 1.08% | $219,900 |
| Paulding → | Paulding | 1.03% | $140,800 |
| Putnam → | Ottawa | 0.97% | $201,100 |
| Sandusky → | Fremont | 1.03% | $160,700 |
| Seneca → | Tiffin | 1.03% | $154,700 |
| Van Wert → | Van Wert | 0.91% | $152,000 |
| Williams → | Bryan | 1.05% | $150,000 |
| Wood → | Bowling Green | 1.26% | $227,600 |
| Wyandot → | Upper Sandusky | 0.86% | $163,400 |
SOURCE: SEE CITATIONS BELOW
02
NE Ohio
| County | Seat | Effective tax rate | Median home value |
|---|---|---|---|
| Ashland → | Ashland | 0.99% | $186,800 |
| Ashtabula → | Jefferson | 1.12% | $159,500 |
| Carroll → | Carrollton | 0.94% | $183,100 |
| Columbiana → | Lisbon | 0.90% | $151,600 |
| Cuyahoga → | Cleveland | 1.80% | $195,400 |
| Geauga → | Chardon | 1.23% | $331,100 |
| Harrison → | Cadiz | 1.05% | $121,500 |
| Holmes → | Millersburg | 1.08% | $267,700 |
| Jefferson → | Steubenville | 0.98% | $127,800 |
| Lake → | Painesville | 1.50% | $214,100 |
| Lorain → | Elyria | 1.22% | $223,200 |
| Mahoning → | Youngstown | 1.29% | $154,700 |
| Medina → | Medina | 1.14% | $287,000 |
| Portage → | Ravenna | 1.17% | $227,000 |
| Stark → | Canton | 1.16% | $186,400 |
| Summit → | Akron | 1.45% | $208,700 |
| Trumbull → | Warren | 1.18% | $141,800 |
| Tuscarawas → | New Philadelphia | 1.04% | $185,400 |
| Wayne → | Wooster | 1.07% | $222,100 |
SOURCE: SEE CITATIONS BELOW
03
Central Ohio
| County | Seat | Effective tax rate | Median home value |
|---|---|---|---|
| Crawford → | Bucyrus | 1.19% | $136,700 |
| Delaware → | Delaware | 1.53% | $445,500 |
| Fairfield → | Lancaster | 1.06% | $298,800 |
| Fayette → | Washington Court House | 0.94% | $170,700 |
| Franklin → | Columbus | 1.40% | $288,400 |
| Knox → | Mount Vernon | 1.07% | $239,400 |
| Licking → | Newark | 1.08% | $275,200 |
| Madison → | London | 1.02% | $250,100 |
| Marion → | Marion | 0.92% | $156,800 |
| Morrow → | Mount Gilead | 1.06% | $222,300 |
| Pickaway → | Circleville | 1.00% | $256,800 |
| Richland → | Mansfield | 1.13% | $164,800 |
| Ross → | Chillicothe | 0.86% | $171,500 |
| Union → | Marysville | 1.08% | $344,900 |
SOURCE: SEE CITATIONS BELOW
04
SW Ohio
| County | Seat | Effective tax rate | Median home value |
|---|---|---|---|
| Adams → | West Union | 0.83% | $164,200 |
| Brown → | Georgetown | 0.82% | $196,200 |
| Butler → | Hamilton | 1.18% | $258,500 |
| Champaign → | Urbana | 1.02% | $204,000 |
| Clark → | Springfield | 1.10% | $169,900 |
| Clermont → | Batavia | 1.20% | $266,200 |
| Clinton → | Wilmington | 0.93% | $211,900 |
| Darke → | Greenville | 0.91% | $173,200 |
| Greene → | Xenia | 1.40% | $252,200 |
| Hamilton → | Cincinnati | 1.44% | $241,900 |
| Highland → | Hillsboro | 0.91% | $168,900 |
| Logan → | Bellefontaine | 1.00% | $203,200 |
| Miami → | Troy | 0.91% | $229,100 |
| Montgomery → | Dayton | 1.58% | $180,900 |
| Preble → | Eaton | 1.04% | $180,900 |
| Shelby → | Sidney | 0.95% | $208,100 |
| Warren → | Lebanon | 1.08% | $349,400 |
SOURCE: SEE CITATIONS BELOW
05
SE Ohio
| County | Seat | Effective tax rate | Median home value |
|---|---|---|---|
| Athens → | Athens | 1.17% | $185,000 |
| Belmont → | St. Clairsville | 0.92% | $154,900 |
| Coshocton → | Coshocton | 0.95% | $155,500 |
| Gallia → | Gallipolis | 0.91% | $155,600 |
| Guernsey → | Cambridge | 1.01% | $157,700 |
| Hocking → | Logan | 0.99% | $186,400 |
| Jackson → | Jackson | 0.90% | $150,700 |
| Lawrence → | Ironton | 0.84% | $144,000 |
| Meigs → | Pomeroy | 1.04% | $119,300 |
| Monroe → | Woodsfield | 0.82% | $142,700 |
| Morgan → | McConnelsville | 0.84% | $150,900 |
| Muskingum → | Zanesville | 0.81% | $182,200 |
| Noble → | Caldwell | 0.72% | $163,600 |
| Perry → | New Lexington | 0.95% | $191,100 |
| Pike → | Waverly | 0.83% | $163,800 |
| Scioto → | Portsmouth | 1.09% | $137,900 |
| Vinton → | McArthur | 0.98% | $150,000 |
| Washington → | Marietta | 0.93% | $185,600 |
SOURCE: SEE CITATIONS BELOW
06
Get your Ohio DSCR quote
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07
Sources for this page
- Wikipedia, "List of counties in Ohio" (county list, seat, population) — https://en.wikipedia.org/wiki/List_of_counties_in_Ohio
- Ohio Commission on Service and Volunteerism (SERVE Ohio), "Geographic Regions" — the region assignment used above
- SmartAsset and taxbycounty.com (effective property tax rate, blended for full 88-county coverage)
- CostByCounty, "Cost of Living in Ohio by County" (median home value and rent) — https://costbycounty.com/ohio
Last updated 2026-08-25. Data assembled 2026-08-01 from the sources above, each with its own as-of date.