Market rankings · county data · updated October 18, 2026

The best Texas markets for DSCR investors

4 markets ranked by how much of a typical house's full monthly payment the rent covers. San Antonio, TX leads at 0.73x. 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.

#MarketTypical house DSCRPrice that clears 1.20xTypical valueRent (2-bedroom)Rent-to-priceProperty taxInsurance / yrJobs, 1 yrFlood claims
1San Antonio, TX0.73x$162,500$281,100$1,4376.1%1.62%$1,480-0.1%2,061
2Dallas, TX0.71x$199,000$353,500$1,7866.1%1.58%$2,160+0.4%3,525
3Houston, TXmonthly hub0.70x$161,000$296,400$1,4896.0%1.61%$2,140+0.6%159,858
4Austin, TX0.56x$212,000$478,700$1,8174.6%1.53%$1,580+0.5%3,882

Other states ranked

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.