Rental DSCR · West Virginia
Where rent covers the loan in West Virginia
At a 7% example rate, a 3-bedroom rental on a mid-market home covers its full payment in 44 of 55 West Virginia counties (80%). The typical West Virginia county has a DSCR of 1.24. Among markets with at least 2,500 renter homes and a loan of $55,000 or more, the highest DSCRs are in Logan County at 1.77, Mercer County at 1.51 and Hancock County at 1.44.
The biggest rental markets
In West Virginia’s largest rental markets, the rent covers the payment in Kanawha County (DSCR 1.28, break-even 10.2%) and Cabell County (DSCR 1.24, break-even 9.7%), while the rent falls short of the payment in Monongalia County (DSCR 0.90, break-even 5.8%).
Open West Virginia on the interactive map
Financing a rental? See Pinnacle Funding Network’s state guides.
Every West Virginia 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 | Gilmer County* | 549 | $1,025 | $74,000 | 2.20 | 20.0% |
| 2 | Wyoming County* | 1,414 | $1,059 | $79,100 | 2.16 | 19.4% |
| 3 | McDowell County†* | 1,470 | $727 | $49,200 | 2.15 | 20.5% |
| 4 | Boone County* | 1,481 | $944 | $78,400 | 1.88 | 16.9% |
| 5 | Logan County | 2,929 | $1,077 | $99,500 | 1.77 | 15.3% |
| 6 | Webster County* | 658 | $778 | $74,500 | 1.68 | 14.5% |
| 7 | Roane County | 1,205 | $1,162 | $116,700 | 1.67 | 14.2% |
| 8 | Mingo County | 2,476 | $889 | $90,900 | 1.60 | 13.6% |
| 9 | Mercer County | 6,572 | $992 | $108,000 | 1.51 | 12.6% |
| 10 | Mason County | 1,854 | $1,035 | $112,400 | 1.51 | 12.7% |
| 11 | Calhoun County* | 325 | $874 | $96,300 | 1.50 | 12.5% |
| 12 | Ritchie County* | 535 | $1,041 | $114,300 | 1.48 | 12.4% |
| 13 | Lincoln County | 1,960 | $924 | $103,300 | 1.48 | 12.3% |
| 14 | Hancock County | 3,271 | $1,197 | $137,000 | 1.44 | 11.9% |
| 15 | Fayette County | 3,561 | $1,035 | $118,400 | 1.43 | 11.8% |
| 16 | Wetzel County | 1,030 | $1,056 | $121,200 | 1.42 | 11.7% |
| 17 | Summers County* | 882 | $953 | $117,300 | 1.39 | 11.2% |
| 18 | Braxton County* | 1,110 | $971 | $117,300 | 1.39 | 11.3% |
| 19 | Nicholas County | 1,684 | $904 | $110,800 | 1.36 | 11.0% |
| 20 | Wayne County | 3,374 | $999 | $123,300 | 1.36 | 11.0% |
| 21 | Pleasants County* | 514 | $1,160 | $142,900 | 1.36 | 11.0% |
| 22 | Tyler County* | 525 | $940 | $114,100 | 1.36 | 11.0% |
| 23 | Marshall County | 2,694 | $1,125 | $142,200 | 1.34 | 10.7% |
| 24 | Taylor County* | 1,061 | $1,034 | $132,300 | 1.30 | 10.4% |
| 25 | Clay County* | 714 | $801 | $104,600 | 1.29 | 10.2% |
| 26 | Kanawha County | 22,131 | $1,089 | $139,900 | 1.28 | 10.2% |
| 27 | Barbour County | 1,333 | $998 | $133,000 | 1.27 | 10.0% |
| 28 | Harrison County | 6,965 | $1,129 | $152,600 | 1.24 | 9.7% |
| 29 | Cabell County | 14,085 | $1,169 | $157,000 | 1.24 | 9.7% |
| 30 | Tucker County | 542 | $1,096 | $151,900 | 1.24 | 9.6% |
| 31 | Raleigh County | 7,155 | $1,077 | $148,500 | 1.22 | 9.5% |
| 32 | Pocahontas County | 521 | $993 | $141,900 | 1.21 | 9.3% |
| 33 | Marion County | 5,442 | $1,127 | $157,300 | 1.20 | 9.2% |
| 34 | Ohio County | 6,164 | $1,116 | $156,400 | 1.19 | 9.2% |
| 35 | Randolph County | 2,671 | $1,006 | $146,100 | 1.18 | 9.0% |
| 36 | Wirt County* | 250 | $788 | $112,800 | 1.16 | 8.8% |
| 37 | Lewis County | 1,936 | $1,025 | $151,100 | 1.15 | 8.7% |
| 38 | Wood County | 8,924 | $1,044 | $151,600 | 1.15 | 8.7% |
| 39 | Greenbrier County | 3,976 | $1,004 | $152,400 | 1.12 | 8.4% |
| 40 | Doddridge County* | 286 | $1,009 | $153,600 | 1.11 | 8.2% |
| 41 | Brooke County | 2,455 | $984 | $154,400 | 1.07 | 7.8% |
| 42 | Upshur County | 1,843 | $1,043 | $172,200 | 1.04 | 7.4% |
| 43 | Grant County | 831 | $1,030 | $173,200 | 1.04 | 7.4% |
| 44 | Jackson County | 2,459 | $957 | $155,900 | 1.03 | 7.4% |
| 45 | Putnam County | 4,236 | $1,298 | $224,200 | 0.98 | 6.8% |
| 46 | Preston County | 2,371 | $959 | $166,100 | 0.98 | 6.8% |
| 47 | Mineral County* | 2,115 | $974 | $175,100 | 0.95 | 6.4% |
| 48 | Hampshire County* | 1,496 | $1,188 | $219,900 | 0.94 | 6.3% |
| 49 | Pendleton County | 353 | $954 | $175,700 | 0.94 | 6.3% |
| 50 | Monongalia County | 18,811 | $1,322 | $254,900 | 0.90 | 5.8% |
| 51 | Monroe County* | 607 | $930 | $177,000 | 0.90 | 5.8% |
| 52 | Berkeley County | 12,241 | $1,451 | $286,500 | 0.87 | 5.5% |
| 53 | Hardy County | 1,349 | $958 | $203,700 | 0.82 | 4.9% |
| 54 | Jefferson County | 4,499 | $1,672 | $358,800 | 0.81 | 4.7% |
| 55 | Morgan County | 1,165 | $1,114 | $255,500 | 0.76 | 4.0% |
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 West Virginia 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 44 of 55 West Virginia counties (80%). The typical West Virginia county has a DSCR of 1.24. Move the example rate and the count changes: 49 counties cover at 6%, 44 at 7% and 40 at 8%.
Where in West Virginia 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 Logan County at 1.77, Mercer County at 1.51 and Hancock County at 1.44.
Do West Virginia’s biggest rental markets cover the payment?
In West Virginia’s largest rental markets, the rent covers the payment in Kanawha County (DSCR 1.28, break-even 10.2%) and Cabell County (DSCR 1.24, break-even 9.7%), while the rent falls short of the payment in Monongalia County (DSCR 0.90, break-even 5.8%).
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.