DSCR Loans in Troy, Ohio

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

Miami County seat, Dayton-metro manufacturing base.

Troy at a glance

County: Miami County
Population: 26,305 (2020 Census)
Type: City

Home values and rent in Troy

Countywide, Miami County's median home value is $229,100 (ACS 2020-2024 5yr) — a Troy-specific figure isn't independently published, so this reflects the whole county, not Troy alone. Countywide, Miami County's median gross rent is $966/mo (ACS 2020-2024 5yr) — again, a county figure standing in for a Troy number we don't have.

The county tax-drag math applies here

Troy sits in Miami County, where the effective property tax rate is 0.91% — 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 Miami County page — here's the tax line specifically for a property at Troy's own numbers:

Property value used: $229,100 (countywide)
Miami County effective tax rate: 0.91%
Estimated monthly property tax: $174

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 Troy DSCR quote

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

Compare DSCR quotes for a Troy 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" (Miami 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.