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DSCR Loans in Belmont County, Ohio

Belmont County's effective property tax rate runs 0.92% — below Ohio's 1.36% statewide average — which is a modest but real advantage on a DSCR file. Here's what that means on an actual property, and what else moves financing in St. Clairsville and the rest of the county.

Belmont County at a glance

Why investors look at Belmont County

Ohio River county with Utica shale gas activity around St. Clairsville.

The tax-drag math for Belmont County

Ohio's 88 counties span from under 1% effective property tax to over 2.3% in parts of Cuyahoga and Montgomery — a range wide enough to move a deal from cash-flowing to underwater on identical rent and price. Belmont County sits on the favorable side of that range.

A $154,900 property here — Belmont County's own median home value, 20% down ($30,980), renting for $793/mo — financed at an observed Ohio DSCR average of 7.20% (Q2 2026)¹:

Gross rent

$793

Belmont County property tax ($154,900 × 0.92% ÷ 12)

$119

Landlord insurance ($1220 ÷ 12)

$102

Principal & interest, $123,920 loan at an observed 7.20% Ohio average¹, 30-yr fixed

$841

PITIA (tax + insurance + P&I)

$1,062

DSCR (rent ÷ PITIA)

$793 ÷ $1,062 = 0.75

At these countywide figures, a 0.75 lands under the 1.00 floor most DSCR programs require — see the methodology note below for why a whole-county median often understates what a targeted rental-grade property actually clears. At the statewide average tax rate of 1.36% instead of Belmont County's lower 0.92%, this same property's monthly tax bill would run about $176 instead of $119 — Belmont County's below-average rate is worth roughly $57/month here.

This worked example deliberately uses Belmont County's own ACS-reported median home value against its ACS-reported median gross rent — a blended, whole-county pairing that includes higher-priced owner-occupied housing on the value side and apartment/multifamily rents on the rent side. That's a more conservative starting point than a matched, rental-grade single-family purchase. Run your own address and rent number through the DSCR calculator for a property-specific result instead of this countywide blend.

A countywide average under 1.00 doesn't mean Belmont County doesn't work — it means the median deal isn't the deal. Investors clear DSCR here by buying below the county median, renting above it, or putting more down, and the spread between the average and what's achievable is where the opportunity sits.

¹ Ohio DSCR long-term-rental loans averaged 7.20% in Q2 2026 (Private Lender Link), inside the broader 6.5%–8.75% range lenders were publishing for DSCR product nationally. 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.

Cities in Belmont County

Every city and village in Belmont County with its own page is listed here, largest by population first.

• Martins Ferry → — pop. 6,260
• St. Clairsville → — pop. 5,096

Nearby counties

Other SE Ohio counties, for comparison:

• Coshocton County →
• Gallia County →
• Guernsey County →

Get your Belmont County DSCR quote

County-level tax math is the start of underwriting a Belmont County rental, not the end of it. Compare DSCR quotes on your specific property next.

Compare DSCR quotes for a Belmont County property →

Sources for this page

• Wikipedia, "List of counties in Ohio" (county seat, population, 2025 est.) — https://en.wikipedia.org/wiki/List_of_counties_in_Ohio
• SmartAsset, ACS-based estimate (effective property tax rate)
• CostByCounty, "Cost of Living in Ohio by County" (median home value and rent, ACS 2020-2024 5yr) — 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. County tax rates and home-value figures are refreshed periodically from the sources above, each with its own as-of date.