DSCR Loans in Dayton, Ohio

Financing a rental in Dayton, Ohio runs through Montgomery County's property tax rate and the local rent and value numbers below — here's how they combine on a DSCR loan.

Wright-Patterson Air Force Base (30,000+ personnel) anchors housing demand; the lowest home-price basis among Ohio's major metros.

Dayton at a glance

County: Montgomery County
Population: 137,644 (2020 Census)
Type: City

Dayton isn't contained entirely within Montgomery County — it also extends into Greene County. The tax rate and figures on this page use Montgomery County, which is where the majority of Dayton's parcels sit; a specific address near the county line should confirm its actual taxing county before closing.

Home values and rent in Dayton

Dayton's median home value is $133,362. Typical monthly rent runs $787/mo.

The county tax-drag math applies here

Dayton sits in Montgomery County, where the effective property tax rate is 1.58% — above Ohio's 1.36% statewide average. The full worked PITIA and DSCR example, built on a property at the county's median value, is on the Montgomery County page — here's the tax line specifically for a property at Dayton's own numbers:

Property value used: $133,362
Montgomery County effective tax rate: 1.58%
Estimated monthly property tax: $176

That estimate uses an observed Ohio DSCR average of 7.20% (Q2 2026)¹ elsewhere in the full county example — 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.

Get your Dayton DSCR quote

Run the numbers on the actual address, not the median. Compare DSCR quotes for a Dayton property.

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Sources for this page

Wikipedia, "List of municipalities in Ohio" (population, 2020 Census) — https://en.wikipedia.org/wiki/List_of_municipalities_in_Ohio
This site's own metro market pages (median home value) — see the "Sources for this page" list on each /markets/ page for full citations
Private Lender Link (Ohio DSCR rate average, Q2 2026) — https://privatelenderlink.com/region/usa/ohio/residential-long-term-rental-ohio-usa/

Last updated 2026-08-25. Figures are refreshed periodically from the sources above, each with its own as-of date.