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DSCR Loans in Gallia County, Ohio

A rental property in Gallia County carries a lighter tax bill than most of Ohio: 0.91% effective, against a 1.36% statewide average. That gap works in a borrower's favor on a DSCR calculation, so we've worked it below on a property at the county's own median value.

01

Gallia County at a glance

County seat
Gallipolis
Population
29,072 (2025 est.)
Effective property tax rate
0.91%
Median home value
$155,600 (ACS 2020-2024 5yr)
Median gross rent
$813/mo (ACS 2020-2024 5yr)

02

Why investors look at Gallia County

Ohio River county near the Kyger Creek and Gavin power-plant complexes.

03

The tax-drag math for Gallia County

Property tax is the single input most Ohio rental-market content skips, and it's the one that varies most by county — from under 1% to over 2.3% across the state's 88 counties. In Gallia County it runs below the statewide middle.

A $155,600 property here — Gallia County's own median home value, 20% down ($31,120), renting for $813/mo — financed at an observed Ohio DSCR average of 7.20% (Q2 2026)¹:

Gross rent
$813
Gallia County property tax ($155,600 × 0.91% ÷ 12)
$118
Landlord insurance ($1220 ÷ 12)
$102
Principal & interest, $124,480 loan at an observed 7.20% Ohio average¹, 30-yr fixed
$845
PITIA (tax + insurance + P&I)
$1,065
DSCR (rent ÷ PITIA)
$813 ÷ $1,065 = 0.76

At these countywide figures, a 0.76 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 Gallia County's lower 0.91%, this same property's monthly tax bill would run about $176 instead of $118 — Gallia County's below-average rate is worth roughly $58/month here.

This worked example deliberately uses Gallia 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.

0.76 on the county median isn't a verdict on Gallia County — it's a description of the middle of the market. Below-median purchase price, above-median rent, or a larger down payment are the three levers that move a specific deal back over 1.00; the gap between the average and the achievable is the opportunity, not a warning.

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 Gallia County

No city or village in Gallia County reaches the 5,000-population threshold this dataset uses. That doesn't mean there's no rental stock here — it means the county-level numbers above are the most granular figures we publish for Gallia County.

05

Nearby counties

Nearby in SE Ohio:

06

Get your Gallia County DSCR quote

Numbers on this page are county medians — a real Gallia County property will come in above or below them. Compare quotes on the one you're looking at.

Compare DSCR quotes for a Gallia 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.