DSCR Loans in Huber Heights, Ohio
Financing a rental in Huber Heights, 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.
Dayton-metro suburb, largely planned residential development.
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Huber Heights at a glance
- County
- Montgomery County
- Population
- 43,439 (2020 Census)
- Type
- City
Huber Heights isn't contained entirely within Montgomery County — it also extends into Miami County. The tax rate and figures on this page use Montgomery County, which is where the majority of Huber Heights's parcels sit; a specific address near the county line should confirm its actual taxing county before closing.
02
Home values and rent in Huber Heights
We don't have a Huber Heights-specific median home value. Countywide, Montgomery County's figure is $180,900 (ACS 2020-2024 5yr) — treat this as a county-level baseline, not a Huber Heights number. On rent, we're again working from the county: Montgomery County's median gross rent is $1,026/mo (ACS 2020-2024 5yr), not a Huber Heights-specific figure.
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The county tax-drag math applies here
Montgomery County's 1.58% effective tax rate applies to property in Huber Heights — above the 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 Huber Heights's own numbers:
- Property value used
- $180,900 (countywide)
- Montgomery County effective tax rate
- 1.58%
- Estimated monthly property tax
- $238
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.
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Get your Huber Heights DSCR quote
Run the numbers on the actual address, not the median. Compare DSCR quotes for a Huber Heights 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
- CostByCounty, "Cost of Living in Ohio by County" (Montgomery County median home value, county-fallback) — https://costbycounty.com/ohio
- 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.