Rental DSCR · Alabama
Where rent covers the loan in Alabama
At a 7% example rate, a 3-bedroom rental on a mid-market home covers its full payment in 48 of 67 Alabama counties (72%). The typical Alabama county has a DSCR of 1.17. Among markets with at least 2,500 renter homes and a loan of $55,000 or more, the highest DSCRs are in Dallas County at 1.86, Barbour County at 1.72 and Macon County at 1.57.
The biggest rental markets
In Alabama’s largest rental markets, the rent covers the payment in Jefferson County (DSCR 1.09, break-even 8.1%) and Mobile County (DSCR 1.11, break-even 8.4%), while the rent falls short of the payment in Madison County (DSCR 0.94, break-even 6.3%).
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Every Alabama county, ranked
Ranked by DSCR at a 7% example rate on a mid-market home, 75% loan. † A 75% loan there is under $55,000, the smallest DSCR loan through Pinnacle Funding Network. * Small survey sample; treat as rough.
| # | County | Renter homes | 3-bed rent | Home price | DSCR at 7% (example) | Break-even rate |
|---|---|---|---|---|---|---|
| 1 | Sumter County†* | 1,599 | $1,034 | $66,200 | 2.27 | 21.9% |
| 2 | Dallas County | 5,769 | $1,018 | $83,300 | 1.86 | 16.9% |
| 3 | Marengo County* | 2,350 | $1,045 | $88,700 | 1.82 | 16.3% |
| 4 | Wilcox County* | 872 | $965 | $82,800 | 1.80 | 16.1% |
| 5 | Barbour County | 2,899 | $1,052 | $95,500 | 1.72 | 15.2% |
| 6 | Lowndes County* | 963 | $873 | $77,500 | 1.70 | 15.2% |
| 7 | Marion County* | 2,466 | $1,068 | $107,400 | 1.60 | 13.7% |
| 8 | Lamar County | 1,237 | $1,058 | $107,900 | 1.59 | 13.5% |
| 9 | Macon County | 2,783 | $932 | $90,800 | 1.57 | 13.7% |
| 10 | Monroe County* | 2,083 | $1,045 | $111,000 | 1.51 | 12.8% |
| 11 | Choctaw County* | 926 | $929 | $100,600 | 1.50 | 12.6% |
| 12 | Fayette County | 1,350 | $1,059 | $114,600 | 1.50 | 12.6% |
| 13 | Butler County | 2,595 | $862 | $90,700 | 1.48 | 12.6% |
| 14 | Clarke County | 2,461 | $935 | $102,300 | 1.46 | 12.2% |
| 15 | Conecuh County | 1,134 | $894 | $98,900 | 1.44 | 12.0% |
| 16 | Coosa County* | 814 | $926 | $103,700 | 1.43 | 11.9% |
| 17 | Chambers County | 3,791 | $1,122 | $127,500 | 1.42 | 11.8% |
| 18 | Bullock County†* | 1,230 | $696 | $72,700 | 1.42 | 12.2% |
| 19 | Russell County | 9,262 | $1,306 | $152,100 | 1.41 | 11.6% |
| 20 | Bibb County | 1,604 | $1,108 | $130,600 | 1.40 | 11.5% |
| 21 | Winston County | 2,280 | $957 | $110,100 | 1.40 | 11.5% |
| 22 | Walker County | 6,058 | $1,075 | $128,000 | 1.38 | 11.2% |
| 23 | Perry County | 773 | $764 | $86,000 | 1.38 | 11.5% |
| 24 | Talladega County | 9,435 | $1,043 | $133,400 | 1.27 | 10.1% |
| 25 | Montgomery County | 38,598 | $1,197 | $156,000 | 1.25 | 9.9% |
| 26 | Pickens County* | 1,636 | $888 | $115,900 | 1.24 | 9.8% |
| 27 | Crenshaw County* | 1,402 | $910 | $118,500 | 1.24 | 9.8% |
| 28 | Pike County* | 4,827 | $1,058 | $141,000 | 1.24 | 9.7% |
| 29 | Dale County | 7,517 | $1,033 | $136,400 | 1.24 | 9.8% |
| 30 | Calhoun County | 13,361 | $1,121 | $149,900 | 1.22 | 9.5% |
| 31 | Chilton County | 4,137 | $1,056 | $142,900 | 1.21 | 9.4% |
| 32 | Franklin County | 3,303 | $953 | $128,500 | 1.21 | 9.4% |
| 33 | Blount County | 4,218 | $1,141 | $159,400 | 1.19 | 9.2% |
| 34 | Clay County | 1,197 | $1,047 | $149,700 | 1.17 | 8.9% |
| 35 | Colbert County | 6,978 | $1,231 | $174,700 | 1.16 | 8.9% |
| 36 | Autauga County | 5,257 | $1,322 | $198,100 | 1.12 | 8.4% |
| 37 | Greene County* | 1,238 | $597 | $79,300 | 1.12 | 8.5% |
| 38 | Coffee County | 5,821 | $1,237 | $184,500 | 1.11 | 8.3% |
| 39 | Mobile County | 54,913 | $1,229 | $180,300 | 1.11 | 8.4% |
| 40 | Jefferson County | 97,464 | $1,449 | $215,900 | 1.09 | 8.1% |
| 41 | DeKalb County | 5,691 | $949 | $144,800 | 1.08 | 7.9% |
| 42 | Escambia County | 3,721 | $877 | $132,400 | 1.07 | 7.9% |
| 43 | Covington County | 3,474 | $930 | $145,400 | 1.06 | 7.7% |
| 44 | Houston County | 15,678 | $1,078 | $173,800 | 1.03 | 7.4% |
| 45 | Jackson County | 5,421 | $981 | $157,500 | 1.03 | 7.4% |
| 46 | Geneva County | 2,331 | $751 | $117,800 | 1.03 | 7.3% |
| 47 | Tallapoosa County | 4,087 | $957 | $154,600 | 1.02 | 7.3% |
| 48 | Morgan County | 13,396 | $1,184 | $197,900 | 1.00 | 7.0% |
| 49 | Cullman County | 8,259 | $1,093 | $186,100 | 0.99 | 6.9% |
| 50 | Cleburne County | 1,283 | $1,009 | $174,000 | 0.97 | 6.6% |
| 51 | Etowah County | 10,283 | $958 | $163,000 | 0.96 | 6.6% |
| 52 | Shelby County | 16,194 | $1,834 | $324,900 | 0.96 | 6.6% |
| 53 | St. Clair County | 6,106 | $1,225 | $216,000 | 0.96 | 6.5% |
| 54 | Madison County | 52,297 | $1,593 | $289,500 | 0.94 | 6.3% |
| 55 | Washington County* | 847 | $770 | $136,300 | 0.93 | 6.2% |
| 56 | Tuscaloosa County | 34,755 | $1,293 | $243,100 | 0.91 | 5.9% |
| 57 | Baldwin County | 22,077 | $1,657 | $317,200 | 0.91 | 5.9% |
| 58 | Marshall County | 8,834 | $1,045 | $195,100 | 0.89 | 5.7% |
| 59 | Lauderdale County | 12,211 | $1,060 | $198,000 | 0.89 | 5.7% |
| 60 | Henry County | 1,448 | $845 | $157,200 | 0.88 | 5.6% |
| 61 | Lee County | 23,372 | $1,354 | $256,500 | 0.88 | 5.6% |
| 62 | Elmore County | 7,566 | $1,120 | $223,000 | 0.86 | 5.3% |
| 63 | Cherokee County | 1,928 | $907 | $180,000 | 0.83 | 4.9% |
| 64 | Lawrence County | 2,498 | $792 | $158,300 | 0.83 | 4.9% |
| 65 | Randolph County | 2,113 | $832 | $184,400 | 0.76 | 4.0% |
| 66 | Limestone County | 9,176 | $1,155 | $273,200 | 0.73 | Under 4% |
| 67 | Hale County* | 1,445 | $531 | $120,100 | 0.71 | Under 4% |
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.
Questions
In how many Alabama counties does a 3-bedroom rental cover the payment at 7%?
At a 7% example rate, a 3-bedroom rental on a mid-market home covers its full payment in 48 of 67 Alabama counties (72%). The typical Alabama county has a DSCR of 1.17. Move the example rate and the count changes: 55 counties cover at 6%, 48 at 7% and 40 at 8%.
Where in Alabama does rent go furthest against the payment?
Among markets with at least 2,500 renter homes and a loan of $55,000 or more, the highest DSCRs are in Dallas County at 1.86, Barbour County at 1.72 and Macon County at 1.57.
Do Alabama’s biggest rental markets cover the payment?
In Alabama’s largest rental markets, the rent covers the payment in Jefferson County (DSCR 1.09, break-even 8.1%) and Mobile County (DSCR 1.11, break-even 8.4%), while the rent falls short of the payment in Madison County (DSCR 0.94, break-even 6.3%).
How is this calculated?
Rent is HUD’s FY2027 Fair Market Rent for a 3-bedroom, adjusted to each county. Home prices are about the 40th percentile of local values from the Census Bureau’s 2020 to 2024 American Community Survey, brought to mid-2026 with the FHFA house price index. Property tax uses each county’s effective rate and insurance starts from NAIC 2023 average premiums. DSCR is rent divided by principal, interest, tax and insurance on a 75% loan at a 7% example rate, which is not a quote or an offer.
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