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DSCR Loans in Harrison County, Ohio

Harrison County's effective property tax rate runs 1.05% — 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 Cadiz and the rest of the county.

01

Harrison County at a glance

County seat
Cadiz
Population
14,070 (2025 est.)
Effective property tax rate
1.05%
Median home value
$121,500 (ACS 2020-2024 5yr)
Median gross rent
$785/mo (ACS 2020-2024 5yr)

02

Why investors look at Harrison County

Rural, Utica shale gas activity; among the state's least populous counties.

03

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

A $121,500 property here — Harrison County's own median home value, 20% down ($24,300), renting for $785/mo — financed at an observed Ohio DSCR average of 7.20% (Q2 2026)¹:

Gross rent
$785
Harrison County property tax ($121,500 × 1.05% ÷ 12)
$106
Landlord insurance ($1220 ÷ 12)
$102
Principal & interest, $97,200 loan at an observed 7.20% Ohio average¹, 30-yr fixed
$660
PITIA (tax + insurance + P&I)
$868
DSCR (rent ÷ PITIA)
$785 ÷ $868 = 0.90

At these countywide figures, a 0.90 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 Harrison County's lower 1.05%, this same property's monthly tax bill would run about $138 instead of $106 — Harrison County's below-average rate is worth roughly $31/month here.

This worked example deliberately uses Harrison 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 Harrison 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 Harrison County

No city or village in Harrison 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 Harrison County.

05

Nearby counties

Other NE Ohio counties, for comparison:

06

Get your Harrison County DSCR quote

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

Compare DSCR quotes for a Harrison 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.