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DSCR Loans in Highland County, Ohio

0.91% effective — that's Highland County's property tax rate, and it sits below the 1.36% Ohio average. On a DSCR loan, where the ratio is rent divided by the full monthly payment including taxes, a lower county rate is one of the few levers a borrower doesn't have to negotiate for. The worked math below shows what it does to a real deal.

01

Highland County at a glance

County seat
Hillsboro
Population
43,823 (2025 est.)
Effective property tax rate
0.91%
Median home value
$168,900 (ACS 2020-2024 5yr)
Median gross rent
$780/mo (ACS 2020-2024 5yr)

02

The tax-drag math for Highland County

The same $100,000 of property value can generate very different tax bills depending which of Ohio's 88 counties it sits in. Highland County sits toward the lower-tax end of that spread, which is a small but real edge for a DSCR file.

A $168,900 property here — Highland County's own median home value, 20% down ($33,780), renting for $780/mo — financed at an observed Ohio DSCR average of 7.20% (Q2 2026)¹:

Gross rent
$780
Highland County property tax ($168,900 × 0.91% ÷ 12)
$128
Landlord insurance ($1220 ÷ 12)
$102
Principal & interest, $135,120 loan at an observed 7.20% Ohio average¹, 30-yr fixed
$917
PITIA (tax + insurance + P&I)
$1,147
DSCR (rent ÷ PITIA)
$780 ÷ $1,147 = 0.68

At these countywide figures, a 0.68 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 Highland County's lower 0.91%, this same property's monthly tax bill would run about $191 instead of $128 — Highland County's below-average rate is worth roughly $63/month here.

This worked example deliberately uses Highland 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.

The county average landing under 1.00 says something about the median deal in Highland County, not about the county as a market. Buying under the median, renting over it, or increasing the down payment are how investors make DSCR work here — the distance between that average number and an achievable one is exactly where the deal is.

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.

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Cities in Highland County

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

04

Nearby counties

A few more SW Ohio counties worth a look:

05

Get your Highland County DSCR quote

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

Compare DSCR quotes for a Highland County property →

06

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.