Rental DSCR · Maryland
Where rent covers the loan in Maryland
At a 7% example rate, a 3-bedroom rental on a mid-market home covers its full payment in 5 of 24 Maryland counties (21%). The typical Maryland county has a DSCR of 0.85. Among markets with at least 2,500 renter homes and a loan of $55,000 or more, the highest DSCRs are in Baltimore (city) at 1.33, Allegany County at 1.27 and Baltimore County at 1.12.
The biggest rental markets
In Maryland’s largest rental markets, the rent covers the payment in Baltimore (city) (DSCR 1.33, break-even 11.1%), while the rent falls short of the payment in Montgomery County (DSCR 0.81, break-even 4.7%) and Prince George’s County (DSCR 0.97, break-even 6.7%).
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Every Maryland 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 | Baltimore (city) | 134,197 | $1,864 | $210,000 | 1.33 | 11.1% |
| 2 | Allegany County | 8,019 | $1,218 | $149,100 | 1.27 | 10.2% |
| 3 | Somerset County | 2,244 | $1,327 | $175,100 | 1.21 | 9.5% |
| 4 | Baltimore County | 111,893 | $2,365 | $339,100 | 1.12 | 8.4% |
| 5 | Anne Arundel County | 55,896 | $2,839 | $465,500 | 1.02 | 7.2% |
| 6 | Wicomico County | 15,267 | $1,609 | $266,500 | 0.99 | 6.9% |
| 7 | Prince George’s County | 131,052 | $2,556 | $420,000 | 0.97 | 6.7% |
| 8 | Harford County | 20,703 | $2,218 | $384,000 | 0.95 | 6.4% |
| 9 | Charles County | 10,917 | $2,449 | $427,200 | 0.93 | 6.2% |
| 10 | Calvert County | 4,282 | $2,490 | $456,200 | 0.91 | 5.9% |
| 11 | Howard County | 34,532 | $3,152 | $587,900 | 0.86 | 5.2% |
| 12 | Dorchester County | 4,664 | $1,385 | $263,300 | 0.85 | 5.1% |
| 13 | Frederick County | 24,040 | $2,396 | $464,600 | 0.84 | 5.0% |
| 14 | Washington County | 19,882 | $1,529 | $301,800 | 0.83 | 4.9% |
| 15 | St. Mary’s County | 11,387 | $2,086 | $420,000 | 0.83 | 4.8% |
| 16 | Garrett County | 2,551 | $1,157 | $230,200 | 0.82 | 4.8% |
| 17 | Montgomery County | 135,071 | $2,946 | $603,900 | 0.81 | 4.7% |
| 18 | Cecil County | 10,038 | $1,737 | $354,700 | 0.80 | 4.5% |
| 19 | Queen Anne’s County | 3,402 | $2,123 | $450,100 | 0.79 | 4.4% |
| 20 | Caroline County | 3,517 | $1,395 | $289,800 | 0.78 | 4.2% |
| 21 | Carroll County | 10,062 | $1,954 | $435,700 | 0.74 | Under 4% |
| 22 | Talbot County | 4,096 | $1,734 | $405,000 | 0.73 | Under 4% |
| 23 | Kent County | 2,332 | $1,364 | $340,500 | 0.65 | Under 4% |
| 24 | Worcester County | 5,319 | $1,389 | $381,200 | 0.61 | 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 Maryland 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 5 of 24 Maryland counties (21%). The typical Maryland county has a DSCR of 0.85. Move the example rate and the count changes: 9 counties cover at 6%, 5 at 7% and 4 at 8%.
Where in Maryland 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 Baltimore (city) at 1.33, Allegany County at 1.27 and Baltimore County at 1.12.
Do Maryland’s biggest rental markets cover the payment?
In Maryland’s largest rental markets, the rent covers the payment in Baltimore (city) (DSCR 1.33, break-even 11.1%), while the rent falls short of the payment in Montgomery County (DSCR 0.81, break-even 4.7%) and Prince George’s County (DSCR 0.97, break-even 6.7%).
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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