DSCR Loans in Vandalia, Ohio

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

Vandalia at a glance

County: Montgomery County
Population: 15,209 (2020 Census)
Type: City

Home values and rent in Vandalia

We don't have a Vandalia-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 Vandalia 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 Vandalia-specific figure.

The county tax-drag math applies here

Montgomery County's 1.58% effective tax rate applies to property in Vandalia — 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 Vandalia'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.

Get your Vandalia DSCR quote

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

Compare DSCR quotes for a Vandalia 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.