Rental DSCR · Utah
Where rent covers the loan in Utah
At a 7% example rate, a 3-bedroom rental on a mid-market home covers its full payment in 2 of 29 Utah counties (7%). The typical Utah county has a DSCR of 0.69. No Utah market with at least 2,500 renter homes and a loan of $55,000 or more covers the payment at 7%. The closest are Carbon County at 0.78, Weber County at 0.77 and Davis County at 0.73.
The biggest rental markets
In Utah’s largest rental markets, the rent falls short of the payment in Salt Lake County (DSCR 0.68, break-even under 4%), Utah County (DSCR 0.57, break-even under 4%) and Davis County (DSCR 0.73, break-even under 4%).
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Every Utah 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 | San Juan County* | 871 | $1,072 | $175,400 | 1.01 | 7.2% |
| 2 | Piute County | 25 | $1,386 | $249,600 | 1.00 | 6.9% |
| 3 | Emery County | 687 | $1,155 | $215,400 | 0.92 | 6.1% |
| 4 | Kane County | 677 | $1,760 | $382,500 | 0.83 | 5.0% |
| 5 | Carbon County | 2,604 | $1,039 | $228,000 | 0.78 | 4.4% |
| 6 | Weber County | 24,413 | $1,866 | $424,000 | 0.77 | 4.2% |
| 7 | Millard County* | 795 | $1,305 | $298,600 | 0.77 | 4.2% |
| 8 | Sevier County | 1,665 | $1,268 | $292,800 | 0.76 | 4.1% |
| 9 | Garfield County | 606 | $1,206 | $292,500 | 0.74 | 4.0% |
| 10 | Daggett County* | 51 | $1,141 | $273,700 | 0.74 | Under 4% |
| 11 | Davis County | 26,265 | $2,083 | $501,500 | 0.73 | Under 4% |
| 12 | Washington County | 19,792 | $1,999 | $497,000 | 0.72 | Under 4% |
| 13 | Duchesne County | 1,450 | $1,214 | $292,400 | 0.72 | Under 4% |
| 14 | Uintah County | 3,217 | $1,228 | $311,700 | 0.69 | Under 4% |
| 15 | Iron County | 6,394 | $1,467 | $382,800 | 0.69 | Under 4% |
| 16 | Salt Lake County | 144,370 | $2,008 | $522,700 | 0.68 | Under 4% |
| 17 | Grand County* | 1,354 | $1,813 | $504,200 | 0.65 | Under 4% |
| 18 | Rich County | 141 | $1,112 | $315,100 | 0.64 | Under 4% |
| 19 | Cache County | 16,151 | $1,579 | $443,200 | 0.64 | Under 4% |
| 20 | Beaver County | 479 | $1,054 | $295,700 | 0.64 | Under 4% |
| 21 | Sanpete County | 2,281 | $1,233 | $344,100 | 0.63 | Under 4% |
| 22 | Juab County* | 625 | $1,431 | $414,600 | 0.62 | Under 4% |
| 23 | Box Elder County | 4,700 | $1,340 | $403,800 | 0.59 | Under 4% |
| 24 | Tooele County | 4,363 | $1,398 | $418,800 | 0.58 | Under 4% |
| 25 | Utah County | 64,389 | $1,726 | $541,300 | 0.57 | Under 4% |
| 26 | Morgan County* | 423 | $2,044 | $654,800 | 0.55 | Under 4% |
| 27 | Wayne County* | 239 | $1,115 | $376,300 | 0.53 | Under 4% |
| 28 | Wasatch County | 2,542 | $2,181 | $760,800 | 0.51 | Under 4% |
| 29 | Summit County* | 3,109 | $2,772 | $1,032,300 | 0.49 | 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 Utah 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 2 of 29 Utah counties (7%). The typical Utah county has a DSCR of 0.69. Move the example rate and the count changes: 3 counties cover at 6%, 2 at 7% and 0 at 8%.
Where in Utah does rent go furthest against the payment?
No Utah market with at least 2,500 renter homes and a loan of $55,000 or more covers the payment at 7%. The closest are Carbon County at 0.78, Weber County at 0.77 and Davis County at 0.73.
Do Utah’s biggest rental markets cover the payment?
In Utah’s largest rental markets, the rent falls short of the payment in Salt Lake County (DSCR 0.68, break-even under 4%), Utah County (DSCR 0.57, break-even under 4%) and Davis County (DSCR 0.73, break-even under 4%).
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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