Market rankings · county data · updated October 18, 2026
The best markets for DSCR investors, ranked by the numbers
75 markets ranked by how much of a typical house's full monthly payment the rent covers. Augusta, GA leads at 0.96x. At a 7.5% rate and 25% down, no typical house here reaches 1.00x on the HUD 2-bedroom Fair Market Rent, so the useful column is the price that clears 1.20x: below it, a house at that rent covers its payment with the cushion.
| # | Market | Typical house DSCR | Price that clears 1.20x | Typical value | Rent (2-bedroom) | Rent-to-price | Property tax | Insurance / yr | Jobs, 1 yr | Flood claims |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Augusta, GA | 0.96x | $171,500 | $220,100 | $1,326 | 7.2% | 0.68% | $1,280 | +2.3% | 363 |
| 2 | Harrisburg, PA | 0.95x | $199,500 | $254,200 | $1,598 | 7.5% | 1.26% | $880 | +3.3% | 2,829 |
| 3 | Lakeland, FLmonthly hub | 0.95x | $205,500 | $266,500 | $1,608 | 7.2% | 0.73% | $1,640 | +0.4% | 1,027 |
| 4 | Yuma, AZ | 0.94x | $168,000 | $217,800 | $1,244 | 6.9% | 0.61% | $830 | -4.0% | 20 |
| 5 | Indianapolis, INmonthly hub | 0.90x | $195,500 | $268,100 | $1,523 | 6.8% | 0.83% | $1,270 | -1.1% | 2,507 |
| 6 | Rochester, NY | 0.89x | $150,500 | $206,100 | $1,416 | 8.2% | 2.55% | $810 | +0.4% | 616 |
| 7 | Lansing, MI | 0.89x | $153,500 | $212,900 | $1,323 | 7.5% | 1.63% | $1,050 | -7.6% | 211 |
| 8 | Allentown, PA | 0.89x | $221,000 | $302,400 | $1,859 | 7.4% | 1.64% | $1,030 | +3.7% | 2,121 |
| 9 | Dayton, OH | 0.88x | $143,500 | $201,300 | $1,248 | 7.4% | 1.61% | $1,110 | -0.4% | 307 |
| 10 | Springfield, MA | 0.88x | $215,000 | $298,800 | $1,800 | 7.2% | 1.49% | $1,240 | -0.7% | 117 |
| 11 | Savannah, GA | 0.88x | $215,500 | $302,800 | $1,679 | 6.7% | 0.84% | $1,390 | +3.2% | 2,650 |
| 12 | Winston, NC | 0.88x | $167,500 | $235,400 | $1,281 | 6.5% | 0.71% | $1,060 | -0.7% | 316 |
| 13 | Greenville, SC | 0.88x | $190,500 | $266,200 | $1,405 | 6.3% | 0.47% | $1,150 | +4.3% | 541 |
| 14 | Myrtle Beach, SC | 0.88x | $204,000 | $287,700 | $1,504 | 6.3% | 0.33% | $1,500 | +5.4% | 4,699 |
| 15 | Buffalo, NY | 0.87x | $160,500 | $225,700 | $1,423 | 7.6% | 2.02% | $880 | +1.4% | 483 |
| 16 | Spartanburg, SC | 0.87x | $156,000 | $222,800 | $1,179 | 6.4% | 0.55% | $1,090 | +4.6% | 107 |
| 17 | Grand Rapids, MI | 0.85x | $200,000 | $286,300 | $1,570 | 6.6% | 1.08% | $950 | -6.4% | 696 |
| 18 | Chicago, IL | 0.84x | $223,500 | $324,100 | $1,970 | 7.3% | 1.96% | $1,250 | -2.9% | 15,500 |
| 19 | Albany, NY | 0.84x | $198,000 | $288,900 | $1,711 | 7.1% | 1.83% | $1,020 | +1.8% | 1,450 |
| 20 | Port St. Lucie, FL | 0.84x | $252,500 | $375,300 | $2,069 | 6.6% | 0.88% | $2,580 | -0.4% | 1,654 |
| 21 | Orlando, FLmonthly hub | 0.84x | $251,000 | $372,800 | $1,959 | 6.3% | 0.74% | $1,930 | +0.0% | 3,923 |
| 22 | Clarksville, TN | 0.84x | $169,500 | $251,500 | $1,301 | 6.2% | 0.61% | $1,290 | -1.1% | 566 |
| 23 | Cincinnati, OH | 0.83x | $174,000 | $258,100 | $1,432 | 6.7% | 1.25% | $1,180 | -0.3% | 1,377 |
| 24 | St. Louis, MOmonthly hub | 0.81x | $157,000 | $244,500 | $1,343 | 6.6% | 1.27% | $1,530 | +0.3% | 9,312 |
| 25 | Kansas City, MOmonthly hub | 0.81x | $184,500 | $286,200 | $1,544 | 6.5% | 1.12% | $1,740 | -0.7% | 1,207 |
| 26 | Memphis, TNmonthly hub | 0.81x | $159,000 | $247,200 | $1,293 | 6.3% | 0.86% | $1,540 | -2.4% | 1,275 |
| 27 | Knoxville, TN | 0.81x | $192,500 | $295,300 | $1,419 | 5.8% | 0.44% | $1,200 | -1.6% | 396 |
| 28 | Oklahoma City, OK | 0.80x | $142,000 | $227,700 | $1,253 | 6.6% | 0.95% | $2,240 | -1.6% | 1,305 |
| 29 | Philadelphia, PA | 0.80x | $224,500 | $344,000 | $1,860 | 6.5% | 1.43% | $1,220 | +2.6% | 12,753 |
| 30 | Columbus, OH | 0.79x | $192,500 | $299,200 | $1,592 | 6.4% | 1.39% | $1,120 | -0.6% | 1,033 |
| 31 | Louisville, KY | 0.79x | $158,000 | $251,300 | $1,260 | 6.0% | 0.82% | $1,350 | +0.1% | 4,137 |
| 32 | Jacksonville, FL | 0.79x | $216,500 | $341,100 | $1,690 | 5.9% | 0.74% | $1,650 | -0.7% | 12,781 |
| 33 | Virginia Beach, VA | 0.79x | $213,500 | $336,900 | $1,665 | 5.9% | 0.85% | $1,370 | -1.4% | 18,247 |
| 34 | York, PA | 0.78x | $156,500 | $248,600 | $1,327 | 6.4% | 1.61% | $870 | +3.4% | 786 |
| 35 | Charlotte, NCmonthly hub | 0.78x | $227,500 | $360,300 | $1,704 | 5.7% | 0.66% | $1,200 | +0.5% | 1,870 |
| 36 | Chattanooga, TN | 0.78x | $175,000 | $280,100 | $1,340 | 5.7% | 0.62% | $1,280 | -0.5% | 920 |
| 37 | Richmond, VA | 0.77x | $218,000 | $350,500 | $1,649 | 5.6% | 0.74% | $1,130 | -1.6% | 440 |
| 38 | Charleston, SC | 0.77x | $253,500 | $409,200 | $1,884 | 5.5% | 0.44% | $1,760 | +3.7% | 7,735 |
| 39 | Springfield, MO | 0.76x | $137,500 | $229,300 | $1,102 | 5.8% | 0.67% | $1,420 | +1.8% | 220 |
| 40 | Huntsville, AL | 0.76x | $178,500 | $295,600 | $1,341 | 5.4% | 0.38% | $1,470 | -0.9% | 294 |
| 41 | Daphne, AL | 0.75x | $186,500 | $316,900 | $1,434 | 5.4% | 0.30% | $2,030 | -1.6% | 7,449 |
| 42 | Atlanta, GA | 0.74x | $225,000 | $378,700 | $1,751 | 5.5% | 0.82% | $1,500 | +2.0% | 5,507 |
| 43 | Lake Havasu City, AZ | 0.74x | $169,000 | $281,000 | $1,229 | 5.2% | 0.44% | $890 | -5.3% | 46 |
| 44 | San Antonio, TX | 0.73x | $162,500 | $281,100 | $1,437 | 6.1% | 1.62% | $1,480 | -0.1% | 2,061 |
| 45 | Worcester, MA | 0.73x | $251,500 | $423,700 | $2,043 | 5.8% | 1.28% | $1,350 | -0.2% | 428 |
| 46 | Wilmington, NC | 0.73x | $211,500 | $363,300 | $1,640 | 5.4% | 0.55% | $1,920 | -0.6% | 7,930 |
| 47 | Boston, MA | 0.72x | $383,000 | $657,200 | $2,963 | 5.4% | 1.05% | $1,500 | -1.5% | 10,239 |
| 48 | Tucson, AZ | 0.72x | $187,500 | $319,700 | $1,405 | 5.3% | 0.71% | $910 | -3.9% | 268 |
| 49 | Dallas, TX | 0.71x | $199,000 | $353,500 | $1,786 | 6.1% | 1.58% | $2,160 | +0.4% | 3,525 |
| 50 | Des Moines, IA | 0.71x | $153,500 | $270,600 | $1,343 | 6.0% | 1.60% | $1,280 | -1.4% | 680 |
| 51 | Minneapolis, MN | 0.71x | $211,500 | $375,900 | $1,727 | 5.5% | 1.08% | $1,660 | -2.0% | 845 |
| 52 | Houston, TXmonthly hub | 0.70x | $161,000 | $296,400 | $1,489 | 6.0% | 1.61% | $2,140 | +0.6% | 159,858 |
| 53 | Nashville, TN | 0.69x | $239,000 | $429,700 | $1,768 | 4.9% | 0.51% | $1,380 | -1.4% | 6,605 |
| 54 | Fayetteville, AR | 0.67x | $161,000 | $307,800 | $1,256 | 4.9% | 0.54% | $1,530 | +3.4% | 644 |
| 55 | Las Vegas, NV | 0.67x | $235,000 | $431,000 | $1,686 | 4.7% | 0.48% | $920 | +0.6% | 167 |
| 56 | Phoenix, AZmonthly hub | 0.67x | $241,500 | $443,900 | $1,734 | 4.7% | 0.44% | $1,060 | -3.3% | 870 |
| 57 | Raleigh, NC | 0.65x | $223,000 | $429,300 | $1,689 | 4.7% | 0.69% | $1,300 | +0.7% | 880 |
| 58 | Riverside, CA | 0.65x | $280,500 | $533,000 | $2,103 | 4.7% | 0.74% | $1,280 | -1.5% | 746 |
| 59 | New York, NY | 0.63x | $348,000 | $684,300 | $2,806 | 4.9% | 1.35% | $1,460 | +0.8% | 195,963 |
| 60 | Sacramento, CA | 0.62x | $293,000 | $581,900 | $2,194 | 4.5% | 0.75% | $1,290 | -1.5% | 941 |
| 61 | Kennewick, WA | 0.61x | $195,000 | $399,900 | $1,487 | 4.5% | 0.77% | $1,070 | +0.5% | 46 |
| 62 | Denver, CO | 0.61x | $289,000 | $600,800 | $2,169 | 4.3% | 0.51% | $2,000 | -3.6% | 621 |
| 63 | Madison, WI | 0.60x | $178,500 | $373,900 | $1,518 | 4.9% | 1.60% | $1,060 | +1.1% | 414 |
| 64 | Spokane, WA | 0.59x | $191,500 | $405,800 | $1,476 | 4.4% | 0.82% | $1,130 | +0.4% | 43 |
| 65 | Colorado Springs, CO | 0.59x | $213,000 | $461,700 | $1,618 | 4.2% | 0.41% | $1,900 | -3.3% | 569 |
| 66 | Bremerton, WA | 0.58x | $261,500 | $555,100 | $1,967 | 4.3% | 0.77% | $1,180 | -1.4% | 167 |
| 67 | Greeley, CO | 0.58x | $215,500 | $471,700 | $1,647 | 4.2% | 0.52% | $1,780 | -3.0% | 148 |
| 68 | Austin, TX | 0.56x | $212,000 | $478,700 | $1,817 | 4.6% | 1.53% | $1,580 | +0.5% | 3,882 |
| 69 | Portland, OR | 0.55x | $247,500 | $558,600 | $1,878 | 4.0% | 0.87% | $1,030 | +0.1% | 882 |
| 70 | Boise City, ID | 0.55x | $211,000 | $473,000 | $1,530 | 3.9% | 0.51% | $930 | -0.2% | 97 |
| 71 | Seattle, WA | 0.54x | $327,000 | $754,900 | $2,456 | 3.9% | 0.84% | $1,220 | -0.3% | 3,638 |
| 72 | Fort Collins, CO | 0.52x | $233,000 | $569,100 | $1,759 | 3.7% | 0.50% | $1,760 | -2.2% | 365 |
| 73 | San Francisco, CA | 0.45x | $438,000 | $1,196,400 | $3,231 | 3.2% | 0.74% | $1,460 | -1.7% | 1,928 |
| 74 | Provo, UT | 0.44x | $189,000 | $536,600 | $1,363 | 3.0% | 0.44% | $900 | -0.2% | 52 |
| 75 | San Jose, CA | 0.38x | $450,500 | $1,469,500 | $3,266 | 2.7% | 0.67% | $1,260 | -0.5% | 427 |
Rankings by state
How the ranking works
Each market is the metro area DSCRInfo tracks, built from its counties' official data and weighted by households: the typical home value, effective property tax and the insurance owners report paying come from the Census household survey; the rent is the HUD 2-bedroom Fair Market Rent, weighted by renter households; flood claims are NFIP claims since 2005; the jobs change is a year of federal employment statistics. The property tax is for owner-occupied homes, which can carry a homestead exemption or assessment cap that a rental does not get, so a rental's tax can run higher, notably in states such as Florida and Texas.
The ratio is DSCR: the monthly rent divided by the full monthly payment for a house at the typical value, with 25% down, a 7.5% 30-year loan, property tax and insurance. The same formula runs the market pages and the calculator. Markets are ranked by that ratio, then by rent-to-price. The price that clears 1.20x is the highest price at which a house at that rent covers its full payment with a 20% cushion, on the same assumptions.
The HUD 2-bedroom Fair Market Rent can sit below what a single-family house rents for, so every ratio here is cautious, and a specific house should be tested on its own rent. A lender sizes the loan on the lease or the appraiser's rent estimate, not on an area figure.