DSCR Loans in Union, Ohio

Here's the local picture for a DSCR-financed rental in Union, Montgomery County, Ohio.

Union at a glance

County: Montgomery County
Population: 6,859 (2020 Census)
Type: City

Union 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 Union's parcels sit; a specific address near the county line should confirm its actual taxing county before closing.

Home values and rent in Union

Union-specific home-value data isn't separately published; countywide, Montgomery County's median runs $180,900 (ACS 2020-2024 5yr). Rent, similarly, has no Union-specific figure; countywide Montgomery County's median gross rent is $1,026/mo (ACS 2020-2024 5yr).

The county tax-drag math applies here

Property tax on a Union rental is set at the Montgomery County rate: 1.58% effective, above the 1.36% Ohio 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 Union'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.

Near Union

Nearby Montgomery County cities and villages worth running the same math on — Union's tax rate applies to all of them:

Dayton → — 137,644
Kettering → — 57,862
Huber Heights → — 43,439
Riverside → — 24,474
Centerville → — 24,240
Trotwood → — 23,070

Get your Union DSCR quote

Median figures are a starting point, not a quote. See what lenders offer on a specific Union rental.

Compare DSCR quotes for an Union 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" (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.