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DSCR MARKET DATA · CINCINNATI, OH · 2026

Cincinnati — Midwest Workforce DSCR With Employment Diversity

$215K SFR · $1,650 rent · 0.77% R/P · DSCR 1.15–1.45 across 5 zones · Procter & Gamble + Kroger + Cincinnati Children's employment anchors.

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DSCR Market Data · Cincinnati, OH · Midwest

Cincinnati, OH DSCR Market Snapshot · 2026 Q1

0.77%

R/P ratio

Cincinnati MSA · all-property

1.28

Avg DSCR

Across 5 zones · 80% LTV / 7.5%

$215K

Median SFR price

Zillow ZHVI · 2026 Q1

$1,650

Median monthly rent

Zillow ZORI · 2026 Q1

CASH-FLOW-VALIDATED ZONES

Cincinnati DSCR Neighborhoods That Pencil in 2026

Norwood

ZIP 45212

$165K–$235K · DSCR 1.25–1.50 · Inner-ring workforce SFR

Westwood

ZIP 45211

$145K–$205K · DSCR 1.30–1.55 · West-side workforce

Pleasant Ridge

ZIP 45213

$215K–$295K · DSCR 1.15–1.40 · Northeast walkable

College Hill

ZIP 45224

$175K–$245K · DSCR 1.20–1.45 · North-central workforce

Northside

ZIP 45223

$195K–$275K · DSCR 1.15–1.40 · Urban revival corridor

WHY CINCINNATI WORKS

Why Cincinnati for DSCR Investors

Cincinnati offers Midwest workforce DSCR with strong employment diversification — Procter & Gamble, Kroger, Cincinnati Children's, and the Federal Reserve Bank's Cleveland branch anchor stable wage demand. Property tax 1.4% effective is moderate; R/P 0.77% supports DSCR 1.15+ across five validated zones.

  • Employment diversity — P&G, Kroger, Cincinnati Children's, Fifth Third Bank
  • Property tax 1.4% effective — at national average
  • Five validated workforce zones span $145K–$295K SFR
  • Rent growth 3.8% YoY — above national average
  • Cincinnati Metropolitan Housing Authority Section-8 demand stable

Cincinnati DSCR Loans 2026 — read the full market intel →

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Clean files close in 21-30 days · 80% LTV purchase · 75% cash-out refi

HOW CINCINNATI COMPARES

How Cincinnati Compares to Other Top-Tier DSCR Markets

Cincinnati sits between Cleveland (R/P 0.94%, higher property tax) and Columbus (R/P 0.65%, lower workforce inventory). The 0.77% R/P with 1.4% property tax is a balanced Midwest position — workforce inventory in Norwood and Westwood pencils strongly, walkable urban revival in Northside and Pleasant Ridge runs slightly tighter.

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DATA SOURCES

Where This Cincinnati DSCR Data Comes From

Median price + rent: Zillow ZHVI / ZORI 2026 Q1 (metro single-family series, reconciled against Cincinnati Area Board of REALTORS MLS comps). R/P derived from Zillow + ATTOM Data. Vacancy from BLS CEW 2026 Q1. Property tax from Hamilton County auditor. HUD FMR via huduser.gov. Last refreshed 2026-05-16.

Market data is informational only and does not constitute a loan offer. Verify all subject-property numbers via comparative market analysis before underwriting.

FREQUENTLY ASKED

Cincinnati DSCR Lending Questions

Cincinnati is a balanced Midwest DSCR market. R/P 0.77% and employment diversification (P&G, Kroger, Cincinnati Children's) support DSCR 1.15+ across five validated zones. The market doesn't have the high-R/P upside of Cleveland or Memphis, but it has stronger employment diversity and lower PM intensity.

Across the five validated zones, DSCR averages 1.28 at 80% LTV / 7.5%. Westwood workforce SFR pencils 1.30–1.55. Norwood runs 1.25–1.50. Walkable urban (Pleasant Ridge, Northside) runs 1.15–1.40.

Yes — Norwood (45212), Westwood (45211), Pleasant Ridge (45213), College Hill (45224), Northside (45223). Norwood and Westwood have the highest workforce-zone R/P; Pleasant Ridge and Northside are walkable revival corridors with slightly tighter DSCR.

Cincinnati loan amounts typically $115K–$235K matched to Cincinnati SFR inventory. 80% LTV purchase, 75% cash-out refi standard.

Cincinnati's employment diversity reduces PM intensity vs. Memphis or Detroit. Start with a Cincinnati-specialist real estate agent for workforce-zone selection. Then run the DSCR calculator with Cincinnati tax (1.4%) and insurance defaults.

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DSCR loans are business-purpose investor mortgages — not consumer mortgages. Terms, rates, and product availability depend on the lender, the property, and the borrower's qualifications. Nothing on this page is a commitment to lend. Verification, not guarantee.