Rental DSCR · Nevada
Where rent covers the loan in Nevada
At a 7% example rate, a 3-bedroom rental on a mid-market home covers its full payment in 7 of 16 Nevada counties (44%). The typical Nevada county has a DSCR of 0.96. Among markets with at least 2,500 renter homes and a loan of $55,000 or more, the highest DSCRs are in Elko County at 1.13, Churchill County at 0.94 and Clark County at 0.86.
The biggest rental markets
In Nevada’s largest rental markets, the rent falls short of the payment in Clark County (DSCR 0.86, break-even 5.5%), Washoe County (DSCR 0.78, break-even 4.5%) and Carson City (DSCR 0.81, break-even 4.8%).
Open Nevada on the interactive map
Financing a rental? See Pinnacle Funding Network’s state guides.
Every Nevada 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 | Esmeralda County* | 197 | $1,858 | $89,600 | 3.45 | 30%+ |
| 2 | Mineral County* | 503 | $1,477 | $130,100 | 1.89 | 16.4% |
| 3 | White Pine County* | 826 | $1,428 | $207,200 | 1.20 | 9.2% |
| 4 | Elko County | 5,623 | $1,698 | $265,800 | 1.13 | 8.4% |
| 5 | Lander County* | 481 | $1,273 | $195,900 | 1.11 | 8.3% |
| 6 | Pershing County* | 468 | $977 | $155,600 | 1.07 | 7.8% |
| 7 | Lincoln County* | 430 | $1,302 | $215,500 | 1.06 | 7.6% |
| 8 | Storey County | 74 | $2,160 | $403,700 | 0.97 | 6.7% |
| 9 | Churchill County | 2,866 | $1,660 | $309,600 | 0.94 | 6.3% |
| 10 | Humboldt County | 1,799 | $1,398 | $276,800 | 0.89 | 5.7% |
| 11 | Clark County | 364,134 | $2,112 | $436,300 | 0.86 | 5.5% |
| 12 | Nye County | 4,925 | $1,341 | $276,000 | 0.86 | 5.4% |
| 13 | Lyon County | 5,543 | $1,600 | $348,200 | 0.82 | 4.9% |
| 14 | Carson City | 8,923 | $1,897 | $423,400 | 0.81 | 4.8% |
| 15 | Washoe County | 79,984 | $2,290 | $526,400 | 0.78 | 4.5% |
| 16 | Douglas County | 4,514 | $1,976 | $597,900 | 0.59 | Under 4% |
| Eureka County | 106 | No estimate (survey is missing rent or home values) | ||||
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 Nevada 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 7 of 16 Nevada counties (44%). The typical Nevada county has a DSCR of 0.96. Move the example rate and the count changes: 9 counties cover at 6%, 7 at 7% and 5 at 8%.
Where in Nevada 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 Elko County at 1.13, Churchill County at 0.94 and Clark County at 0.86.
Do Nevada’s biggest rental markets cover the payment?
In Nevada’s largest rental markets, the rent falls short of the payment in Clark County (DSCR 0.86, break-even 5.5%), Washoe County (DSCR 0.78, break-even 4.5%) and Carson City (DSCR 0.81, break-even 4.8%).
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.
Found a market? Get a free scenario.
Pinnacle Funding Network is a correspondent lender and loan originator for rental and investment property loans. Send us the deal and we’ll send back a free same-day scenario quote, no credit pull, no obligation. Business-purpose loans on investment property only; not available in all states.