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DSCR Loans in Clinton County, Ohio

Clinton County's effective property tax rate runs 0.93% — 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 Wilmington and the rest of the county.

01

Clinton County at a glance

County seat
Wilmington
Population
42,301 (2025 est.)
Effective property tax rate
0.93%
Median home value
$211,900 (ACS 2020-2024 5yr)
Median gross rent
$910/mo (ACS 2020-2024 5yr)

02

Why investors look at Clinton County

Wilmington's Air Park was once DHL/Airborne Express's air-cargo hub; the county's economy reset after DHL's 2008 exit and has diversified since.

03

The tax-drag math for Clinton 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. Clinton County sits on the favorable side of that range.

A $211,900 property here — Clinton County's own median home value, 20% down ($42,380), renting for $910/mo — financed at an observed Ohio DSCR average of 7.20% (Q2 2026)¹:

Gross rent
$910
Clinton County property tax ($211,900 × 0.93% ÷ 12)
$164
Landlord insurance ($1220 ÷ 12)
$102
Principal & interest, $169,520 loan at an observed 7.20% Ohio average¹, 30-yr fixed
$1,151
PITIA (tax + insurance + P&I)
$1,417
DSCR (rent ÷ PITIA)
$910 ÷ $1,417 = 0.64

At these countywide figures, a 0.64 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 Clinton County's lower 0.93%, this same property's monthly tax bill would run about $240 instead of $164 — Clinton County's below-average rate is worth roughly $76/month here.

This worked example deliberately uses Clinton 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 Clinton 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.

04

Cities in Clinton County

Clinton County's populated places, largest first. Each city page below carries its own population and housing facts, plus this county's tax math.

05

Nearby counties

Other SW Ohio counties, for comparison:

06

Get your Clinton County DSCR quote

The math above uses Clinton County's median home value. Run your own address and rent number to see where your file actually lands.

Compare DSCR quotes for a Clinton County property →

07

Sources for this page

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.