Rental DSCR · every state
Where rent covers the loan, state by state
At a 7% example rate, a 3-bedroom rental on a mid-market home covers its full payment in 1,644 of 3,137 U.S. counties. The share ranges from none in a few high-cost states to most counties across parts of the South and Midwest. Pick a state to see every county ranked.
| State | Counties | Cover at 7% (example) | Median DSCR | Highest-DSCR market |
|---|---|---|---|---|
| Alabama | 67 | 48 (72%) | 1.17 | Dallas County (1.86) |
| Alaska | 30 | 18 (60%) | 1.04 | Fairbanks North Star (1.09) |
| Arizona | 15 | 9 (60%) | 1.09 | La Paz County (1.73) |
| Arkansas | 75 | 64 (85%) | 1.22 | Phillips County (1.87) |
| California | 58 | 6 (10%) | 0.83 | Lake County (1.21) |
| Colorado | 64 | 16 (25%) | 0.85 | Logan County (1.03) |
| Connecticut | 9 | 0 (0%) | 0.79 | Southeastern Connecticut Region (0.91) |
| Delaware | 3 | 1 (33%) | 0.97 | Kent County (1.14) |
| Florida | 67 | 43 (64%) | 1.07 | Jackson County (1.34) |
| Georgia | 159 | 93 (58%) | 1.07 | Emanuel County (1.69) |
| Hawaii | 4 | 0 (0%) | 0.66 | Hawaii County (0.80) |
| Idaho | 44 | 2 (5%) | 0.77 | Bannock County (0.93) |
| Illinois | 102 | 69 (68%) | 1.08 | Saline County (1.57) |
| Indiana | 92 | 56 (61%) | 1.06 | Madison County (1.58) |
| Iowa | 99 | 52 (53%) | 1.01 | Wapello County (1.46) |
| Kansas | 105 | 77 (73%) | 1.16 | Crawford County (1.38) |
| Kentucky | 119 | 84 (71%) | 1.10 | Harlan County (1.90) |
| Louisiana | 64 | 51 (80%) | 1.14 | St. John the Baptist Parish (1.46) |
| Maine | 16 | 10 (63%) | 1.08 | Penobscot County (1.48) |
| Maryland | 24 | 5 (21%) | 0.85 | Baltimore (city) (1.33) |
| Massachusetts | 14 | 1 (7%) | 0.82 | Berkshire County (1.02) |
| Michigan | 83 | 47 (57%) | 1.03 | Saginaw County (1.27) |
| Minnesota | 87 | 33 (38%) | 0.92 | Martin County (1.25) |
| Mississippi | 82 | 72 (88%) | 1.29 | Sunflower County (1.65) |
| Missouri | 115 | 72 (63%) | 1.04 | Dunklin County (1.84) |
| Montana | 56 | 22 (39%) | 0.87 | Silver Bow County (1.07) |
| Nebraska | 93 | 45 (48%) | 0.98 | Dakota County (1.08) |
| Nevada | 16 | 7 (44%) | 0.96 | Elko County (1.13) |
| New Hampshire | 10 | 1 (10%) | 0.84 | Coos County (1.07) |
| New Jersey | 21 | 1 (5%) | 0.81 | Cumberland County (1.17) |
| New Mexico | 33 | 26 (79%) | 1.32 | Roosevelt County (1.62) |
| New York | 62 | 21 (34%) | 0.93 | Jefferson County (1.47) |
| North Carolina | 100 | 38 (38%) | 0.94 | Robeson County (1.66) |
| North Dakota | 53 | 40 (75%) | 1.29 | Stutsman County (1.07) |
| Ohio | 88 | 45 (51%) | 1.00 | Scioto County (1.37) |
| Oklahoma | 77 | 58 (75%) | 1.08 | Seminole County (1.77) |
| Oregon | 36 | 5 (14%) | 0.81 | Wasco County (1.08) |
| Pennsylvania | 67 | 42 (63%) | 1.07 | Cambria County (1.58) |
| Rhode Island | 5 | 0 (0%) | 0.70 | Kent County (0.78) |
| South Carolina | 46 | 24 (52%) | 1.00 | Dillon County (2.00) |
| South Dakota | 66 | 36 (55%) | 1.04 | Davison County (1.04) |
| Tennessee | 95 | 41 (43%) | 0.94 | Hardeman County (1.55) |
| Texas | 250 | 163 (65%) | 1.11 | Bee County (1.77) |
| Utah | 29 | 2 (7%) | 0.69 | Carbon County (0.78) |
| Vermont | 14 | 3 (21%) | 0.94 | Caledonia County (1.04) |
| Virginia | 133 | 43 (32%) | 0.89 | Martinsville (city) (1.51) |
| Washington | 39 | 3 (8%) | 0.81 | Grant County (1.05) |
| West Virginia | 55 | 44 (80%) | 1.24 | Logan County (1.77) |
| Wisconsin | 72 | 2 (3%) | 0.79 | Douglas County (1.12) |
| Wyoming | 23 | 3 (13%) | 0.76 | Sweetwater County (0.83) |
Highest-DSCR market: the top DSCR among counties with at least 2,500 renter homes and a loan of $55,000 or more. The District of Columbia is a single county equivalent; find it on the interactive map.
Rates on this page are a 7% example, not a quote or an offer. DSCR here is 3-bedroom rent divided by principal, interest, property tax and insurance on a 75% loan with a 30-year fixed payment. At 1.00 the rent pays all of it. Figures are estimates from public data, for education only.
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