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DSCR Loans in Ottawa County, Ohio

1.08% effective — that's Ottawa 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

Ottawa County at a glance

County seat
Port Clinton
Population
39,481 (2025 est.)
Effective property tax rate
1.08%
Median home value
$219,900 (ACS 2020-2024 5yr)
Median gross rent
$930/mo (ACS 2020-2024 5yr)

02

Why investors look at Ottawa County

Lake Erie tourism market (Port Clinton, gateway to Put-in-Bay); vacation-rental demand runs alongside the year-round market.

03

The tax-drag math for Ottawa County

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

A $219,900 property here — Ottawa County's own median home value, 20% down ($43,980), renting for $930/mo — financed at an observed Ohio DSCR average of 7.20% (Q2 2026)¹:

Gross rent
$930
Ottawa County property tax ($219,900 × 1.08% ÷ 12)
$198
Landlord insurance ($1220 ÷ 12)
$102
Principal & interest, $175,920 loan at an observed 7.20% Ohio average¹, 30-yr fixed
$1,194
PITIA (tax + insurance + P&I)
$1,494
DSCR (rent ÷ PITIA)
$930 ÷ $1,494 = 0.62

At these countywide figures, a 0.62 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 Ottawa County's lower 1.08%, this same property's monthly tax bill would run about $249 instead of $198 — Ottawa County's below-average rate is worth roughly $51/month here.

This worked example deliberately uses Ottawa 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 Ottawa 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.

04

Cities in Ottawa County

The cities and villages below are Ottawa County's largest — each has its own page with local facts and a link back here for the full tax-drag math.

05

Nearby counties

A few more NW Ohio counties worth a look:

06

Get your Ottawa County DSCR quote

Every county in Ohio has its own tax rate, and that rate is one input a lender's DSCR calculation actually uses. See what a specific Ottawa County property quotes at.

Compare DSCR quotes for an Ottawa 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.