Rental DSCR · Florida
Where rent covers the loan in Florida
At a 7% example rate, a 3-bedroom rental on a mid-market home covers its full payment in 43 of 67 Florida counties (64%). The typical Florida county has a DSCR of 1.07. Among markets with at least 2,500 renter homes and a loan of $55,000 or more, the highest DSCRs are in Jackson County at 1.34, Polk County at 1.29 and Sarasota County at 1.20.
The biggest rental markets
In Florida’s largest rental markets, the rent covers the payment in Miami-Dade County (DSCR 1.00, break-even 7.1%) and Broward County (DSCR 1.19, break-even 9.3%), while the rent falls short of the payment in Orange County (DSCR 0.97, break-even 6.6%).
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Every Florida 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 | Madison County* | 1,855 | $1,024 | $97,400 | 1.50 | 13.3% |
| 2 | Hamilton County | 865 | $935 | $89,000 | 1.49 | 13.2% |
| 3 | Liberty County* | 511 | $1,128 | $111,200 | 1.45 | 12.8% |
| 4 | Holmes County | 1,655 | $1,048 | $110,000 | 1.43 | 12.2% |
| 5 | Glades County* | 671 | $1,169 | $120,400 | 1.41 | 12.2% |
| 6 | Lafayette County* | 601 | $1,213 | $132,800 | 1.39 | 11.7% |
| 7 | Taylor County | 1,914 | $971 | $104,100 | 1.37 | 11.6% |
| 8 | Hardee County | 2,351 | $1,322 | $145,700 | 1.35 | 11.3% |
| 9 | Jackson County | 4,159 | $970 | $108,900 | 1.34 | 11.2% |
| 10 | Calhoun County* | 984 | $1,070 | $123,100 | 1.32 | 10.9% |
| 11 | Polk County | 85,480 | $1,980 | $241,600 | 1.29 | 10.4% |
| 12 | Dixie County* | 952 | $1,054 | $125,700 | 1.26 | 10.3% |
| 13 | Sarasota County | 49,428 | $2,781 | $372,300 | 1.20 | 9.4% |
| 14 | DeSoto County | 3,524 | $1,338 | $168,400 | 1.20 | 9.5% |
| 15 | Broward County | 274,613 | $3,025 | $400,400 | 1.19 | 9.3% |
| 16 | St. Lucie County | 29,469 | $2,573 | $338,700 | 1.19 | 9.3% |
| 17 | Pasco County | 57,342 | $2,033 | $271,800 | 1.19 | 9.2% |
| 18 | Pinellas County | 130,561 | $2,419 | $329,600 | 1.18 | 9.2% |
| 19 | Okaloosa County | 26,994 | $2,387 | $332,100 | 1.18 | 9.1% |
| 20 | Hernando County | 14,400 | $1,966 | $268,700 | 1.17 | 9.0% |
| 21 | Gadsden County | 4,946 | $1,122 | $150,100 | 1.16 | 8.9% |
| 22 | Escambia County | 45,441 | $1,707 | $240,100 | 1.14 | 8.7% |
| 23 | Lee County | 84,149 | $2,209 | $313,200 | 1.12 | 8.4% |
| 24 | Suwannee County | 4,040 | $1,133 | $153,900 | 1.12 | 8.5% |
| 25 | Highlands County | 10,034 | $1,282 | $176,100 | 1.11 | 8.4% |
| 26 | Brevard County | 60,086 | $2,201 | $318,600 | 1.11 | 8.3% |
| 27 | Okeechobee County | 3,952 | $1,268 | $177,100 | 1.09 | 8.2% |
| 28 | Putnam County | 7,730 | $1,090 | $150,000 | 1.09 | 8.2% |
| 29 | Santa Rosa County | 14,074 | $2,093 | $313,200 | 1.09 | 8.1% |
| 30 | Marion County | 37,144 | $1,593 | $230,300 | 1.08 | 8.0% |
| 31 | Manatee County | 45,374 | $2,434 | $362,600 | 1.07 | 7.9% |
| 32 | Charlotte County | 14,665 | $1,915 | $278,800 | 1.07 | 7.9% |
| 33 | Martin County | 13,803 | $2,729 | $409,800 | 1.07 | 7.9% |
| 34 | Volusia County | 63,602 | $2,001 | $296,100 | 1.07 | 7.9% |
| 35 | Union County | 1,090 | $1,091 | $157,300 | 1.07 | 7.9% |
| 36 | Lake County | 36,852 | $2,049 | $306,800 | 1.06 | 7.7% |
| 37 | Bay County | 26,118 | $1,875 | $288,200 | 1.05 | 7.7% |
| 38 | Palm Beach County | 181,166 | $2,907 | $444,200 | 1.04 | 7.6% |
| 39 | Gulf County | 1,142 | $1,499 | $227,800 | 1.04 | 7.5% |
| 40 | Duval County | 173,409 | $1,860 | $284,400 | 1.04 | 7.5% |
| 41 | Columbia County | 7,544 | $1,230 | $185,100 | 1.02 | 7.3% |
| 42 | Miami-Dade County | 465,971 | $3,134 | $503,300 | 1.00 | 7.1% |
| 43 | Flagler County | 8,963 | $2,131 | $340,900 | 1.00 | 7.0% |
| 44 | Washington County* | 1,862 | $994 | $158,200 | 0.99 | 6.8% |
| 45 | Hillsborough County | 224,630 | $2,258 | $365,500 | 0.98 | 6.8% |
| 46 | Clay County | 20,185 | $1,854 | $301,700 | 0.98 | 6.8% |
| 47 | Osceola County | 49,507 | $2,178 | $355,700 | 0.98 | 6.8% |
| 48 | Citrus County | 10,533 | $1,445 | $236,400 | 0.98 | 6.7% |
| 49 | Orange County | 227,990 | $2,323 | $385,900 | 0.97 | 6.6% |
| 50 | Seminole County | 63,292 | $2,250 | $381,900 | 0.96 | 6.5% |
| 51 | Gilchrist County | 1,021 | $1,157 | $190,400 | 0.94 | 6.3% |
| 52 | Wakulla County | 2,309 | $1,332 | $230,800 | 0.91 | 5.9% |
| 53 | Hendry County | 3,735 | $1,243 | $210,100 | 0.91 | 5.8% |
| 54 | Bradford County* | 2,477 | $1,128 | $197,700 | 0.90 | 5.7% |
| 55 | Jefferson County* | 1,388 | $1,179 | $209,000 | 0.89 | 5.5% |
| 56 | Alachua County | 53,601 | $1,622 | $282,200 | 0.88 | 5.5% |
| 57 | Levy County | 3,444 | $982 | $172,700 | 0.88 | 5.4% |
| 58 | Leon County | 58,151 | $1,564 | $282,800 | 0.87 | 5.3% |
| 59 | Indian River County | 14,081 | $1,735 | $329,500 | 0.85 | 5.1% |
| 60 | St. Johns County | 20,572 | $2,460 | $479,300 | 0.83 | 4.9% |
| 61 | Walton County | 7,358 | $1,869 | $379,300 | 0.83 | 4.9% |
| 62 | Baker County* | 1,366 | $1,276 | $253,900 | 0.80 | 4.4% |
| 63 | Collier County | 38,817 | $2,425 | $515,600 | 0.78 | 4.2% |
| 64 | Nassau County | 6,791 | $1,583 | $379,600 | 0.67 | Under 4% |
| 65 | Franklin County | 946 | $1,134 | $275,700 | 0.66 | Under 4% |
| 66 | Monroe County | 11,769 | $2,822 | $765,800 | 0.62 | Under 4% |
| 67 | Sumter County | 8,714 | $1,351 | $349,000 | 0.62 | 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 Florida 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 43 of 67 Florida counties (64%). The typical Florida county has a DSCR of 1.07. Move the example rate and the count changes: 51 counties cover at 6%, 43 at 7% and 30 at 8%.
Where in Florida 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 Jackson County at 1.34, Polk County at 1.29 and Sarasota County at 1.20.
Do Florida’s biggest rental markets cover the payment?
In Florida’s largest rental markets, the rent covers the payment in Miami-Dade County (DSCR 1.00, break-even 7.1%) and Broward County (DSCR 1.19, break-even 9.3%), while the rent falls short of the payment in Orange County (DSCR 0.97, break-even 6.6%).
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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