Rental DSCR · Texas

Where rent covers the loan in Texas

Name: Texas 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 163 of 250 Texas counties (65%). The typical Texas county has a DSCR of 1.11. Among markets with at least 2,500 renter homes and a loan of $55,000 or more, the highest DSCRs are in Bee County at 1.77, Starr County at 1.61 and Hale County at 1.58.

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

163 of 250

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

1.11

DSCR in the typical Texas county

182 → 140

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 Texas’s largest rental markets, the rent covers the payment in Harris County (DSCR 1.00, break-even 7.0%), while the rent falls short of the payment in Dallas County (DSCR 0.95, break-even 6.3%) and Tarrant County (DSCR 0.97, break-even 6.6%).

Open Texas on the interactive map

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

Every Texas 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	King County^†^*	45	$1,189	$42,900	3.05	30%+
2	Stonewall County^†^*	79	$1,289	$46,200	2.95	30%+
3	Crockett County^†^*	322	$1,393	$61,300	2.88	30%+
4	Garza County^†^*	431	$1,316	$65,600	2.39	26.6%
5	Edwards County^†^*	49	$1,058	$55,900	2.33	25.2%
6	Culberson County^†^*	259	$1,257	$72,300	2.26	23.5%
7	Foard County^†^*	105	$1,176	$66,200	2.22	23.6%
8	Willacy County^†^*	1,437	$1,164	$64,200	2.13	23.3%
9	Brooks County^†^*	1,405	$1,216	$71,700	2.12	22.3%
10	Castro County^*	879	$1,233	$78,700	2.09	21.0%
11	Hardeman County^†^*	321	$1,105	$68,500	2.05	21.2%
12	McMullen County^*	45	$1,189	$83,400	2.04	19.5%
13	Kinney County^†^*	185	$1,143	$69,600	2.02	21.2%
14	Lamb County^†	1,214	$1,046	$67,600	1.95	19.9%
15	Cochran County^†^*	326	$786	$45,500	1.94	21.3%
16	Motley County^†^*	108	$1,071	$72,800	1.90	19.1%
17	Dawson County^*	1,187	$1,335	$90,400	1.88	18.9%
18	Haskell County^*	559	$1,140	$81,700	1.82	18.0%
19	Nolan County	1,878	$1,220	$85,600	1.81	18.1%
20	Stephens County^*	755	$1,224	$87,200	1.80	17.8%
21	Bee County	2,570	$1,307	$96,800	1.77	17.3%
22	Shelby County^*	2,434	$1,204	$93,700	1.76	16.7%
23	Throckmorton County^*	236	$1,091	$80,200	1.75	17.2%
24	Refugio County^*	574	$1,218	$90,000	1.75	17.1%
25	Frio County^*	2,232	$1,323	$99,000	1.74	17.0%
26	Dimmit County^†^*	1,003	$1,026	$73,200	1.74	17.4%
27	Zavala County^*	1,013	$1,200	$89,500	1.72	16.8%
28	Mitchell County	588	$1,100	$77,300	1.71	17.3%
29	Crosby County^*	601	$1,063	$74,600	1.70	17.3%
30	Baylor County^*	517	$1,220	$96,600	1.69	16.1%
31	Dickens County^†	149	$851	$59,500	1.68	17.2%
32	Real County^*	247	$1,216	$99,500	1.68	15.7%
33	Falls County^*	1,493	$1,190	$94,300	1.66	15.9%
34	Scurry County^*	1,362	$1,276	$105,100	1.64	15.4%
35	La Salle County^*	395	$1,111	$86,700	1.64	15.8%
36	Marion County^*	905	$966	$81,100	1.63	15.2%
37	Irion County^*	101	$1,810	$169,300	1.62	14.3%
38	Collingsworth County^*	255	$1,061	$85,500	1.62	15.4%
39	Starr County	5,837	$1,176	$99,900	1.61	14.9%
40	Terry County^*	1,439	$1,058	$81,600	1.60	15.6%
41	Presidio County^*	548	$1,281	$109,000	1.60	14.9%
42	Swisher County^*	800	$1,163	$92,800	1.58	15.2%
43	Hale County	4,350	$1,180	$100,300	1.58	14.7%
44	Duval County^*	904	$987	$80,500	1.58	15.0%
45	Wilbarger County^*	1,568	$997	$79,200	1.56	15.0%
46	Briscoe County^*	95	$936	$78,600	1.56	14.6%
47	Jones County	1,160	$1,052	$86,200	1.54	14.7%
48	Childress County^*	533	$1,220	$108,700	1.54	14.0%
49	Reeves County^*	1,111	$1,188	$107,200	1.54	13.9%
50	Martin County^*	433	$1,555	$149,800	1.52	13.4%
51	Newton County	830	$985	$90,000	1.52	13.7%
52	Ward County^*	943	$1,369	$135,600	1.51	13.2%
53	San Augustine County^*	732	$926	$85,300	1.51	13.6%
54	Schleicher County^*	151	$1,235	$111,700	1.51	13.7%
55	Hansford County^*	350	$1,230	$105,400	1.49	13.9%
56	Menard County^*	182	$1,110	$93,200	1.47	13.9%
57	Donley County	297	$924	$82,500	1.47	13.4%
58	Hall County^*	309	$873	$76,000	1.46	13.5%
59	Gray County	1,888	$1,020	$91,900	1.45	13.3%
60	Deaf Smith County	2,008	$1,196	$111,000	1.43	12.9%
61	Hutchinson County	1,171	$1,176	$111,100	1.43	12.8%
62	Runnels County	952	$965	$88,700	1.41	12.8%
63	Howard County	3,717	$1,310	$133,600	1.41	12.2%
64	Wheeler County	458	$1,008	$94,700	1.40	12.5%
65	San Patricio County	8,393	$1,675	$167,600	1.38	12.0%
66	Zapata County^*	1,280	$897	$88,900	1.38	12.1%
67	Hockley County	2,200	$1,164	$114,300	1.37	12.1%
68	Carson County^*	477	$1,152	$116,400	1.36	11.9%
69	Coleman County^*	763	$867	$81,900	1.36	12.1%
70	Sterling County^*	89	$1,272	$129,600	1.35	11.7%
71	Terrell County^*	48	$1,189	$126,400	1.35	11.5%
72	Jim Wells County	4,189	$1,065	$108,400	1.35	11.7%
73	Ochiltree County^*	1,004	$1,079	$106,500	1.35	11.8%
74	Upton County^*	310	$912	$91,600	1.35	11.7%
75	Eastland County^*	2,056	$1,160	$122,000	1.34	11.4%
76	Uvalde County^*	2,478	$1,343	$137,100	1.34	11.5%
77	Cass County^*	2,764	$1,163	$125,600	1.33	11.2%
78	Jefferson County	35,551	$1,443	$148,000	1.32	11.4%
79	Pecos County^*	1,469	$1,134	$121,400	1.32	11.2%
80	Trinity County^*	1,254	$1,026	$108,300	1.32	11.2%
81	Bailey County^*	444	$973	$95,700	1.32	11.5%
82	Fisher County^†	306	$783	$71,300	1.31	11.8%
83	Gonzales County	2,678	$1,185	$124,100	1.31	11.2%
84	Ector County	22,810	$1,581	$171,400	1.31	11.0%
85	Jasper County	2,904	$1,174	$128,800	1.31	11.0%
86	Winkler County^*	387	$1,167	$132,500	1.30	10.8%
87	Wichita County	18,911	$1,388	$143,000	1.30	11.1%
88	Dallam County^*	932	$1,472	$163,700	1.29	10.8%
89	Cameron County	48,155	$1,203	$125,800	1.28	10.9%
90	Kent County^*	64	$888	$99,400	1.28	10.7%
91	Morris County	1,278	$1,086	$118,500	1.28	10.7%
92	Coke County	460	$942	$100,500	1.28	10.8%
93	Tom Green County	16,296	$1,601	$178,400	1.27	10.6%
94	Lipscomb County	180	$1,049	$110,600	1.27	10.8%
95	Liberty County	5,514	$1,392	$156,200	1.27	10.5%
96	Kleberg County	5,628	$1,321	$143,600	1.25	10.5%
97	Reagan County^*	310	$1,285	$151,700	1.24	10.1%
98	Angelina County	11,621	$1,241	$143,800	1.23	10.1%
99	Matagorda County	4,924	$1,398	$159,300	1.22	10.0%
100	Brown County	4,749	$1,285	$150,000	1.22	9.9%
101	Hudspeth County^†^*	222	$591	$57,800	1.22	10.4%
102	Oldham County^*	162	$1,182	$138,600	1.21	9.8%
103	Taylor County	21,677	$1,537	$178,300	1.21	9.8%
104	Val Verde County^*	5,202	$1,291	$146,800	1.21	9.8%
105	Nueces County	52,888	$1,624	$184,700	1.21	9.8%
106	Nacogdoches County	10,309	$1,187	$146,400	1.20	9.5%
107	Sabine County^*	666	$1,118	$137,500	1.19	9.5%
108	McCulloch County^*	1,102	$1,023	$122,200	1.19	9.5%
109	Polk County	4,276	$1,219	$150,800	1.19	9.4%
110	Red River County^*	1,419	$889	$104,900	1.18	9.5%
111	Karnes County^*	1,777	$1,060	$129,600	1.18	9.3%
112	Victoria County	12,105	$1,521	$181,500	1.17	9.3%
113	Potter County	18,186	$1,125	$131,100	1.16	9.3%
114	Bowie County	12,820	$1,246	$151,900	1.16	9.2%
115	Yoakum County^*	868	$1,265	$159,600	1.16	9.1%
116	Delta County	373	$1,140	$142,000	1.16	9.1%
117	Floyd County^*	522	$721	$80,300	1.16	9.3%
118	Harrison County	6,082	$1,301	$165,500	1.15	9.0%
119	Callahan County	999	$1,088	$138,000	1.14	8.9%
120	Caldwell County	4,110	$1,630	$204,100	1.14	8.9%
121	Parmer County^*	902	$1,056	$128,700	1.13	8.9%
122	Hill County	3,000	$1,293	$163,700	1.13	8.7%
123	Hidalgo County	87,939	$1,118	$132,700	1.12	8.8%
124	Atascosa County	3,800	$1,233	$154,100	1.12	8.7%
125	Rusk County	3,814	$1,222	$158,500	1.11	8.5%
126	Gregg County	19,150	$1,444	$188,100	1.11	8.5%
127	Orange County	8,054	$1,181	$149,500	1.11	8.5%
128	Jim Hogg County^*	558	$866	$110,000	1.11	8.5%
129	Moore County	2,687	$1,128	$142,200	1.10	8.4%
130	Young County	1,982	$1,263	$165,800	1.10	8.3%
131	Calhoun County^*	1,971	$1,212	$155,500	1.10	8.3%
132	Lubbock County	56,165	$1,499	$190,600	1.09	8.3%
133	Navarro County	5,820	$1,253	$164,100	1.09	8.2%
134	Tyler County	1,345	$1,040	$139,200	1.09	8.2%
135	DeWitt County	1,805	$1,175	$161,100	1.08	8.1%
136	Madison County^*	1,044	$1,171	$158,300	1.08	8.0%
137	San Saba County	592	$1,111	$151,100	1.08	8.0%
138	Wharton County	4,408	$1,359	$174,300	1.07	8.1%
139	Walker County	11,323	$1,524	$207,200	1.07	7.9%
140	Hunt County	11,031	$1,599	$216,500	1.07	7.9%
141	Freestone County^*	1,742	$1,121	$153,100	1.07	7.9%
142	Limestone County	2,338	$1,139	$151,100	1.07	7.9%
143	Maverick County	5,329	$1,185	$156,700	1.07	7.9%
144	Anderson County	4,863	$1,166	$161,100	1.06	7.9%
145	Grayson County	18,353	$1,700	$232,700	1.06	7.9%
146	Aransas County	2,900	$1,715	$243,800	1.06	7.8%
147	Milam County	2,347	$1,184	$163,100	1.06	7.8%
148	Upshur County	3,014	$1,209	$163,000	1.06	7.8%
149	Panola County^*	1,787	$1,052	$147,800	1.06	7.7%
150	Midland County	21,902	$2,036	$286,400	1.05	7.7%
151	Hamilton County^*	665	$1,109	$148,500	1.05	7.7%
152	Palo Pinto County	3,256	$1,282	$177,400	1.04	7.6%
153	Camp County^*	1,084	$1,222	$171,000	1.03	7.5%
154	Sherman County	200	$1,196	$154,300	1.03	7.5%
155	Cherokee County	4,732	$1,086	$151,200	1.02	7.3%
156	El Paso County	107,181	$1,400	$180,000	1.01	7.2%
157	Live Oak County^*	1,249	$1,082	$155,500	1.01	7.2%
158	Andrews County^*	1,470	$1,374	$193,800	1.01	7.2%
159	Comanche County	1,047	$1,023	$139,600	1.01	7.2%
160	Goliad County^*	370	$1,186	$173,600	1.01	7.1%
161	Titus County	3,280	$1,167	$164,900	1.01	7.1%
162	Harris County	795,727	$1,818	$255,100	1.00	7.0%
163	Smith County	25,919	$1,508	$222,000	1.00	7.0%
164	Mills County^*	355	$1,228	$187,200	0.99	6.9%
165	Coryell County	11,183	$1,298	$184,300	0.99	6.9%
166	Henderson County	7,449	$1,221	$184,700	0.98	6.7%
167	Hopkins County	4,045	$1,375	$208,800	0.98	6.7%
168	Shackelford County^*	276	$1,021	$148,600	0.98	6.7%
169	Bexar County	309,018	$1,662	$235,000	0.97	6.7%
170	Leon County	1,579	$1,075	$167,300	0.97	6.7%
171	Hemphill County^*	427	$1,200	$177,100	0.97	6.7%
172	Tarrant County	318,750	$2,094	$303,600	0.97	6.6%
173	Webb County	28,743	$1,299	$178,400	0.97	6.6%
174	Brewster County^*	1,857	$1,230	$183,800	0.97	6.6%
175	Roberts County^*	48	$1,017	$150,200	0.97	6.6%
176	Johnson County	16,604	$1,730	$265,500	0.96	6.5%
177	Randall County	18,251	$1,522	$225,300	0.95	6.3%
178	Dallas County	483,826	$1,903	$284,200	0.95	6.3%
179	Houston County	2,344	$1,014	$158,800	0.95	6.3%
180	McLennan County	37,183	$1,464	$223,600	0.93	6.0%
181	Jackson County	1,763	$1,075	$169,000	0.93	6.0%
182	San Jacinto County	1,680	$1,187	$189,800	0.92	6.0%
183	Clay County^*	687	$963	$145,500	0.92	5.9%
184	Knox County^†^*	282	$531	$69,200	0.92	5.7%
185	Medina County	2,880	$1,348	$209,600	0.92	5.9%
186	Hood County	4,807	$1,739	$287,000	0.92	5.9%
187	Sutton County^*	305	$947	$144,600	0.92	5.8%
188	Montague County	1,718	$1,228	$200,600	0.92	5.9%
189	Kaufman County	11,172	$1,952	$302,200	0.91	5.7%
190	Galveston County	45,522	$1,799	$291,700	0.89	5.5%
191	Lamar County	6,793	$1,104	$184,800	0.89	5.6%
192	Van Zandt County	4,200	$1,271	$211,100	0.89	5.5%
193	Colorado County	1,626	$1,228	$203,100	0.89	5.5%
194	Robertson County	1,849	$1,010	$166,300	0.88	5.4%
195	Bell County	61,887	$1,371	$220,300	0.88	5.3%
196	Burleson County^*	1,444	$1,071	$179,500	0.88	5.4%
197	Lynn County	483	$899	$134,000	0.88	5.1%
198	Cooke County	4,655	$1,388	$232,300	0.88	5.3%
199	Guadalupe County	14,509	$1,718	$283,800	0.87	5.2%
200	Chambers County	3,177	$1,772	$308,500	0.87	5.3%
201	Hardin County	3,928	$1,055	$176,000	0.87	5.1%
202	Erath County	6,197	$1,538	$266,700	0.87	5.2%
203	Hartley County^*	418	$1,371	$238,700	0.86	5.2%
204	Kimble County^*	430	$1,077	$177,700	0.86	5.0%
205	Wood County	3,707	$1,098	$191,700	0.86	5.1%
206	Fannin County	2,716	$1,221	$210,000	0.86	5.0%
207	Archer County^*	539	$1,057	$178,200	0.85	4.8%
208	Washington County^*	4,677	$1,529	$272,000	0.84	4.9%
209	Lee County^*	1,550	$1,389	$250,300	0.84	4.9%
210	Ellis County	17,370	$1,844	$325,300	0.83	4.7%
211	Bandera County	1,306	$1,273	$234,300	0.83	4.7%
212	Rockwall County	7,203	$2,226	$392,800	0.82	4.4%
213	Concho County^*	159	$611	$96,200	0.81	Under 4%
214	Armstrong County^*	152	$909	$159,400	0.81	4.1%
215	Denton County	124,469	$2,330	$416,600	0.80	4.2%
216	Bastrop County	8,682	$1,590	$285,700	0.80	4.2%
217	Waller County	5,133	$1,598	$293,600	0.80	4.2%
218	Collin County	147,833	$2,519	$461,700	0.79	4.0%
219	Parker County	10,870	$1,870	$347,100	0.79	4.0%
220	Franklin County	700	$1,090	$207,600	0.79	4.1%
221	Montgomery County	69,884	$1,828	$335,100	0.79	Under 4%
222	Brazoria County	34,623	$1,547	$277,500	0.78	Under 4%
223	Bosque County	1,812	$1,033	$196,100	0.78	Under 4%
224	Burnet County	4,969	$1,533	$299,600	0.78	Under 4%
225	Jeff Davis County^*	116	$982	$197,800	0.77	Under 4%
226	Grimes County	2,059	$1,142	$221,200	0.77	Under 4%
227	Williamson County	84,783	$2,132	$400,500	0.76	Under 4%
228	Rains County	846	$1,095	$215,200	0.76	Under 4%
229	Gaines County	1,758	$1,001	$181,900	0.75	Under 4%
230	Comal County	16,687	$1,958	$395,900	0.75	Under 4%
231	Fort Bend County	67,442	$2,050	$380,700	0.75	Under 4%
232	Jack County^*	830	$1,144	$231,400	0.74	Under 4%
233	Glasscock County^*	145	$1,070	$230,700	0.74	Under 4%
234	Lavaca County	1,836	$1,056	$218,500	0.73	Under 4%
235	Travis County	279,582	$2,204	$443,300	0.73	Under 4%
236	Kerr County	6,752	$1,392	$292,800	0.73	Under 4%
237	Wise County	4,677	$1,335	$277,300	0.72	Under 4%
238	Hays County	35,807	$1,834	$362,600	0.72	Under 4%
239	Mason County^*	347	$1,171	$254,200	0.71	Under 4%
240	Brazos County	48,421	$1,436	$288,500	0.71	Under 4%
241	Lampasas County	1,666	$1,151	$243,400	0.70	Under 4%
242	Fayette County	2,146	$1,198	$267,700	0.69	Under 4%
243	Wilson County	2,774	$1,315	$283,000	0.69	Under 4%
244	Austin County	2,849	$1,259	$272,700	0.69	Under 4%
245	Llano County	2,528	$1,349	$315,300	0.68	Under 4%
246	Kendall County	3,638	$2,066	$478,700	0.66	Under 4%
247	Gillespie County	2,889	$1,719	$411,200	0.65	Under 4%
248	Blanco County^*	1,228	$1,537	$426,600	0.56	Under 4%
249	Somervell County^*	741	$982	$268,600	0.56	Under 4%
250	Cottle County^†^*	97	$263	$56,700	0.55	Under 4%
	Borden County	82	No estimate (survey is missing rent or home values)
	Crane County	265	No estimate (survey is missing rent or home values)
	Kenedy County	26	No estimate (survey is missing rent or home values)
	Loving County	24	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 Texas 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 163 of 250 Texas counties (65%). The typical Texas county has a DSCR of 1.11. Move the example rate and the count changes: 182 counties cover at 6%, 163 at 7% and 140 at 8%.

Where in Texas 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 Bee County at 1.77, Starr County at 1.61 and Hale County at 1.58.

Do Texas’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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