DSCR Loans in Sidney, Ohio

Sidney is a city in Shelby County, Ohio. Here's what a DSCR lender's math looks like on a rental property here.

Shelby County seat; manufacturing base tied to Honda engine production and Emerson.

Sidney at a glance

County: Shelby County
Population: 20,589 (2020 Census)
Type: City

Home values and rent in Sidney

Countywide, Shelby County's median home value is $208,100 (ACS 2020-2024 5yr) — a Sidney-specific figure isn't independently published, so this reflects the whole county, not Sidney alone. Countywide, Shelby County's median gross rent is $922/mo (ACS 2020-2024 5yr) — again, a county figure standing in for a Sidney number we don't have.

The county tax-drag math applies here

Sidney sits in Shelby County, where the effective property tax rate is 0.95% — below 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 Shelby County page — here's the tax line specifically for a property at Sidney's own numbers:

Property value used: $208,100 (countywide)
Shelby County effective tax rate: 0.95%
Estimated monthly property tax: $165

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 Sidney DSCR quote

The figures above are city or county medians — your specific Sidney property will land somewhere else on the DSCR math. See where.

Compare DSCR quotes for a Sidney property →

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" (Shelby 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.