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DSCR Loans in Williams County, Ohio

Williams 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 Bryan and the rest of the county.

01

Williams County at a glance

County seat
Bryan
Population
36,549 (2025 est.)
Effective property tax rate
1.05%
Median home value
$150,000 (ACS 2020-2024 5yr)
Median gross rent
$791/mo (ACS 2020-2024 5yr)

02

Why investors look at Williams County

Bryan is headquarters to the Ohio Art Company (maker of Etch A Sketch); rural manufacturing base.

03

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

A $150,000 property here — Williams County's own median home value, 20% down ($30,000), renting for $791/mo — financed at an observed Ohio DSCR average of 7.20% (Q2 2026)¹:

Gross rent
$791
Williams County property tax ($150,000 × 1.05% ÷ 12)
$131
Landlord insurance ($1220 ÷ 12)
$102
Principal & interest, $120,000 loan at an observed 7.20% Ohio average¹, 30-yr fixed
$815
PITIA (tax + insurance + P&I)
$1,047
DSCR (rent ÷ PITIA)
$791 ÷ $1,047 = 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 Williams County's lower 1.05%, this same property's monthly tax bill would run about $170 instead of $131 — Williams County's below-average rate is worth roughly $39/month here.

This worked example deliberately uses Williams 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 Williams 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 Williams County

The cities and villages below are Williams 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

Other NW Ohio counties, for comparison:

06

Get your Williams 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 Williams County property quotes at.

Compare DSCR quotes for a Williams 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.