Rental DSCR · Georgia

Where rent covers the loan in Georgia

Name: Georgia rental DSCR by county
Creator: Pinnacle Funding Network
License: https://creativecommons.org/licenses/by/4.0/

At a 7% example rate, a 3-bedroom rental on a mid-market home covers its full payment in 93 of 159 Georgia counties (58%). The typical Georgia 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 Emanuel County at 1.69, Coffee County at 1.57 and Mitchell County at 1.53.

Data updated September 28, 2026 · Built by Pinnacle Funding Network from HUD, Census, FHFA and NAIC data · How the numbers work

93 of 159

counties where a 3-bed rental covers its payment at a 7% example rate

1.07

DSCR in the typical Georgia county

110 → 79

counties that cover at 6% versus 8%

Amber: rent falls short. Blue: rent covers the payment. Darker means further from break-even. 7% example rate, mid-market home.

The biggest rental markets

In Georgia’s largest rental markets, the rent falls short of the payment in Fulton County (DSCR 0.77, break-even 4.1%), DeKalb County (DSCR 0.90, break-even 5.7%) and Gwinnett County (DSCR 0.85, break-even 5.1%).

Open Georgia on the interactive map

Financing a rental in Georgia? Read Pinnacle Funding Network’s Georgia DSCR loan guide.

Every Georgia 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	Chattahoochee County^*	1,133	$1,770	$101,900	2.65	25.2%
2	Appling County^†^*	1,973	$1,183	$64,700	2.56	25.8%
3	Stewart County^†^*	727	$1,083	$55,100	2.50	26.8%
4	Wheeler County^*	556	$1,211	$78,200	2.33	22.1%
5	Webster County^†^*	194	$1,102	$67,300	2.26	22.5%
6	Jenkins County^*	571	$1,122	$80,300	2.05	19.4%
7	Calhoun County^*	646	$1,099	$78,200	1.99	19.1%
8	Taylor County	1,180	$1,142	$85,700	1.95	18.3%
9	Taliaferro County^†^*	105	$947	$67,900	1.89	18.4%
10	Warren County^†^*	583	$883	$64,500	1.88	18.2%
11	Brantley County	1,327	$1,090	$89,600	1.74	16.1%
12	Hancock County^*	606	$1,051	$87,900	1.73	15.9%
13	Turner County^*	1,193	$1,062	$89,700	1.72	15.8%
14	Emanuel County	3,260	$1,051	$92,000	1.69	15.3%
15	Atkinson County^*	1,228	$845	$73,900	1.66	15.1%
16	Charlton County^*	837	$1,309	$123,400	1.66	14.5%
17	Wilkinson County	677	$965	$87,900	1.62	14.5%
18	Bacon County	1,318	$1,158	$105,700	1.61	14.4%
19	Randolph County^*	1,303	$900	$82,000	1.57	14.2%
20	Coffee County	5,424	$1,181	$117,300	1.57	13.5%
21	Montgomery County	748	$1,117	$108,300	1.54	13.5%
22	McIntosh County^*	1,012	$1,564	$160,800	1.54	13.1%
23	Mitchell County	2,721	$1,092	$102,700	1.53	13.6%
24	Worth County	2,035	$1,023	$99,900	1.50	13.2%
25	Treutlen County^*	784	$890	$91,000	1.49	12.8%
26	Talbot County^*	517	$1,075	$107,200	1.47	12.8%
27	Telfair County^*	1,175	$1,041	$104,300	1.47	12.8%
28	Chattooga County	3,040	$1,117	$116,300	1.47	12.6%
29	Johnson County^*	774	$818	$83,400	1.43	12.4%
30	Burke County^*	2,755	$1,123	$124,700	1.42	11.9%
31	Wilcox County^*	662	$779	$80,300	1.41	12.2%
32	Dooly County	1,423	$1,001	$102,200	1.41	12.2%
33	Clinch County^*	708	$795	$77,900	1.41	12.4%
34	Early County^*	1,373	$1,059	$115,900	1.41	11.9%
35	Dougherty County	18,742	$1,228	$128,000	1.40	12.0%
36	Glascock County^*	336	$1,045	$112,700	1.39	11.8%
37	Seminole County^*	746	$1,080	$114,100	1.38	11.8%
38	Sumter County	4,766	$1,120	$118,600	1.38	11.8%
39	Ben Hill County^*	2,601	$890	$94,600	1.37	11.7%
40	Richmond County	37,409	$1,490	$170,800	1.37	11.4%
41	Jefferson County	1,832	$913	$100,000	1.36	11.5%
42	Irwin County^*	1,061	$932	$101,300	1.36	11.5%
43	Washington County^*	2,602	$867	$94,900	1.35	11.4%
44	Dodge County	2,026	$953	$108,400	1.34	11.1%
45	Grady County	3,426	$1,168	$136,200	1.32	10.9%
46	Echols County^*	276	$959	$110,800	1.31	10.8%
47	Marion County^*	627	$1,139	$138,000	1.31	10.6%
48	Toombs County^*	4,110	$1,056	$124,900	1.30	10.6%
49	Macon County^*	1,434	$906	$105,900	1.28	10.5%
50	Ware County	4,785	$964	$113,600	1.28	10.5%
51	Quitman County^*	168	$796	$94,200	1.28	10.4%
52	Miller County^*	760	$1,128	$129,600	1.27	10.5%
53	Twiggs County	342	$882	$108,200	1.26	10.2%
54	Berrien County	2,046	$1,086	$135,300	1.24	10.0%
55	Liberty County	11,792	$1,677	$211,600	1.23	9.8%
56	Laurens County	6,643	$1,043	$134,700	1.23	9.7%
57	Bibb County	29,119	$1,337	$169,200	1.21	9.6%
58	Screven County^*	1,487	$1,006	$123,100	1.20	9.6%
59	Schley County^*	327	$1,036	$133,300	1.20	9.4%
60	Muscogee County	40,025	$1,407	$187,100	1.19	9.3%
61	Houston County	21,113	$1,658	$227,200	1.17	9.0%
62	Baker County^*	258	$822	$108,000	1.16	9.0%
63	Wayne County^*	3,614	$1,052	$144,000	1.15	8.8%
64	Colquitt County	6,095	$924	$124,400	1.15	8.8%
65	McDuffie County^*	2,850	$1,131	$155,400	1.14	8.7%
66	Bleckley County^*	1,208	$996	$133,300	1.14	8.8%
67	Clayton County	48,159	$1,558	$217,200	1.14	8.7%
68	Wilkes County^*	1,402	$903	$118,900	1.14	8.8%
69	Jeff Davis County^*	1,573	$874	$117,200	1.13	8.7%
70	Tift County^*	6,093	$1,049	$144,900	1.13	8.6%
71	Murray County	3,990	$1,209	$174,100	1.12	8.4%
72	Crisp County^*	3,519	$950	$128,200	1.11	8.4%
73	Decatur County	4,023	$1,030	$142,400	1.11	8.4%
74	Terrell County	1,299	$880	$119,300	1.11	8.4%
75	Jones County	1,773	$1,330	$189,400	1.09	8.2%
76	Lowndes County	19,884	$1,403	$205,200	1.09	8.1%
77	Candler County^*	1,576	$1,021	$141,400	1.09	8.2%
78	Clay County^*	267	$666	$90,000	1.09	8.1%
79	Elbert County	2,435	$1,011	$145,200	1.07	7.9%
80	Thomas County	6,769	$1,239	$184,800	1.07	7.8%
81	Brooks County^*	1,712	$1,052	$148,000	1.07	7.9%
82	Heard County	1,194	$1,282	$199,400	1.06	7.7%
83	Baldwin County	6,457	$1,079	$162,700	1.06	7.7%
84	Evans County^*	1,411	$994	$144,500	1.05	7.6%
85	Chatham County	52,064	$1,993	$309,700	1.05	7.6%
86	Meriwether County^*	2,264	$1,083	$162,300	1.04	7.6%
87	Crawford County^*	827	$1,066	$159,500	1.04	7.6%
88	Cook County	2,142	$989	$151,800	1.03	7.3%
89	Camden County	6,987	$1,644	$257,700	1.02	7.3%
90	Bryan County	3,699	$2,302	$372,300	1.02	7.2%
91	Pierce County	1,790	$975	$150,000	1.02	7.2%
92	Floyd County	13,422	$1,327	$208,800	1.01	7.1%
93	Lanier County	933	$1,016	$155,900	1.00	7.0%
94	Rockdale County	10,473	$1,714	$285,300	0.99	6.9%
95	Upson County	4,133	$1,081	$172,400	0.99	6.8%
96	Paulding County	11,538	$1,907	$318,300	0.98	6.8%
97	Spalding County	9,861	$1,397	$226,200	0.98	6.7%
98	Whitfield County	12,154	$1,308	$220,900	0.97	6.7%
99	Tattnall County^*	2,211	$889	$141,500	0.97	6.6%
100	Lincoln County^*	702	$1,098	$175,800	0.96	6.6%
101	Columbia County	12,056	$1,821	$309,500	0.96	6.5%
102	Carroll County	12,668	$1,435	$250,000	0.95	6.5%
103	Polk County	5,401	$1,052	$175,800	0.95	6.4%
104	Lee County	3,175	$1,437	$241,900	0.94	6.2%
105	Henry County	21,800	$1,769	$306,500	0.93	6.2%
106	Peach County	3,226	$1,186	$198,200	0.93	6.1%
107	Newton County	10,808	$1,530	$265,900	0.92	6.1%
108	Jasper County	859	$1,321	$230,500	0.92	6.0%
109	Douglas County	17,230	$1,603	$284,900	0.92	6.1%
110	Bulloch County	14,467	$1,236	$217,000	0.92	6.0%
111	Lamar County^*	1,736	$1,174	$204,200	0.91	5.9%
112	Pulaski County	1,045	$913	$154,900	0.91	5.8%
113	Dade County^*	1,219	$1,058	$191,000	0.91	5.9%
114	Walker County	6,018	$1,094	$194,200	0.90	5.8%
115	Stephens County	2,776	$1,015	$177,900	0.90	5.8%
116	DeKalb County	118,371	$1,858	$333,500	0.90	5.7%
117	Long County^*	2,145	$1,169	$208,900	0.89	5.6%
118	Troup County	10,606	$1,182	$211,100	0.88	5.5%
119	Franklin County	2,055	$970	$176,300	0.88	5.5%
120	Barrow County	6,619	$1,618	$303,600	0.87	5.4%
121	Dawson County	2,470	$2,085	$406,000	0.87	5.5%
122	Putnam County^*	1,991	$1,253	$237,200	0.87	5.4%
123	Effingham County	5,257	$1,533	$288,600	0.85	5.1%
124	Gwinnett County	110,314	$2,090	$397,500	0.85	5.1%
125	Catoosa County	6,864	$1,229	$239,600	0.85	5.1%
126	Gordon County	5,572	$1,218	$236,200	0.84	5.1%
127	Cobb County	97,524	$2,041	$417,100	0.82	4.8%
128	Glynn County	11,848	$1,433	$299,800	0.80	4.6%
129	Cherokee County	23,050	$2,170	$452,900	0.80	4.6%
130	Rabun County	1,742	$1,327	$284,800	0.78	4.3%
131	White County	2,272	$1,257	$266,400	0.78	4.3%
132	Madison County^*	2,593	$1,086	$224,200	0.78	4.2%
133	Bartow County	11,084	$1,388	$294,000	0.78	4.2%
134	Hall County	23,130	$1,649	$353,300	0.77	4.1%
135	Hart County	2,453	$928	$197,800	0.77	4.1%
136	Fulton County	211,288	$2,012	$426,500	0.77	4.1%
137	Butts County^*	2,299	$1,098	$230,900	0.76	Under 4%
138	Pike County	1,032	$1,408	$298,500	0.76	Under 4%
139	Fayette County	8,867	$2,015	$441,100	0.76	4.0%
140	Oglethorpe County	875	$1,007	$216,900	0.75	Under 4%
141	Coweta County	12,151	$1,623	$359,000	0.75	Under 4%
142	Habersham County	4,556	$1,092	$242,400	0.75	Under 4%
143	Clarke County	31,891	$1,444	$313,000	0.75	Under 4%
144	Pickens County^*	2,524	$1,401	$320,900	0.73	Under 4%
145	Monroe County^*	1,713	$1,134	$258,600	0.72	Under 4%
146	Haralson County	3,335	$938	$215,400	0.70	Under 4%
147	Walton County	7,412	$1,400	$344,500	0.67	Under 4%
148	Morgan County	1,768	$1,333	$331,600	0.67	Under 4%
149	Fannin County	2,548	$1,087	$287,600	0.66	Under 4%
150	Banks County^*	1,459	$1,085	$278,200	0.65	Under 4%
151	Lumpkin County	2,761	$1,224	$318,400	0.64	Under 4%
152	Union County^*	1,793	$1,202	$319,100	0.64	Under 4%
153	Towns County	1,049	$1,147	$314,000	0.64	Under 4%
154	Harris County	1,456	$1,173	$306,000	0.62	Under 4%
155	Gilmer County	2,509	$1,128	$316,000	0.62	Under 4%
156	Forsyth County	13,863	$2,109	$576,500	0.61	Under 4%
157	Oconee County	2,808	$1,660	$491,200	0.57	Under 4%
158	Jackson County	5,870	$1,216	$363,100	0.54	Under 4%
159	Greene County^*	1,808	$1,099	$356,000	0.52	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 Georgia 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 93 of 159 Georgia counties (58%). The typical Georgia county has a DSCR of 1.07. Move the example rate and the count changes: 110 counties cover at 6%, 93 at 7% and 79 at 8%.

Where in Georgia 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 Emanuel County at 1.69, Coffee County at 1.57 and Mitchell County at 1.53.

Do Georgia’s biggest rental markets cover the payment?

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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