DSCR Loans in Urbana, Ohio

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

Urbana at a glance

County: Champaign County
Population: 11,115 (2020 Census)
Type: City

Home values and rent in Urbana

Urbana-specific home-value data isn't separately published; countywide, Champaign County's median runs $204,000 (ACS 2020-2024 5yr). Rent, similarly, has no Urbana-specific figure; countywide Champaign County's median gross rent is $905/mo (ACS 2020-2024 5yr).

The county tax-drag math applies here

Property tax on a Urbana rental is set at the Champaign County rate: 1.02% effective, below 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 Champaign County page — here's the tax line specifically for a property at Urbana's own numbers:

Property value used: $204,000 (countywide)
Champaign County effective tax rate: 1.02%
Estimated monthly property tax: $173

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 Urbana DSCR quote

Run the numbers on the actual address, not the median. Compare DSCR quotes for an Urbana 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" (Champaign 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.