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DSCR MARKET DATA · PITTSBURGH, PA · #4 NATIONAL 2026

Pittsburgh — Stabilized Rust Belt DSCR With Healthcare Anchors

$210K SFR · $1,680 rent · 0.80% R/P · DSCR 1.05–1.30 across 4-6 zones · UPMC + Carnegie Mellon + PNC anchor stable employment.

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DSCR Market Data · Pittsburgh, PA · #4 national

Pittsburgh, PA DSCR Market Snapshot · 2026 Q1

0.80%

R/P ratio

Pittsburgh MSA · all-property

1.18

Avg DSCR

Across 5 zones · 80% LTV / 7.5%

$210K

Median SFR price

Zillow ZHVI · 2026 Q1

$1,680

Median monthly rent

Zillow ZORI · 2026 Q1

CASH-FLOW-VALIDATED ZONES

Pittsburgh DSCR Neighborhoods That Pencil in 2026

Brookline

ZIP 15226

$215K–$295K · DSCR 1.10–1.30 · South Hills walkable

Carrick

ZIP 15210

$155K–$215K · DSCR 1.20–1.45 · Inner-ring workforce SFR

Brighton Heights

ZIP 15212

$185K–$255K · DSCR 1.15–1.40 · North workforce

Beechview

ZIP 15216

$195K–$265K · DSCR 1.10–1.35 · South Hills workforce

Penn Hills

ZIP 15235

$165K–$235K · DSCR 1.20–1.45 · East workforce suburb

WHY PITTSBURGH WORKS

Why Pittsburgh for DSCR Investors

Pittsburgh combines stabilized Rust Belt inventory with healthcare-and-education employment that doesn't go through recession cycles like manufacturing. UPMC is the largest non-government employer in PA; Carnegie Mellon + Pitt anchor an education + tech corridor. Property tax 2.0% effective is the structural cost — overcome by workforce-zone R/P.

  • UPMC + Carnegie Mellon + Pitt healthcare + education employment anchors
  • R/P 0.80% — fourth-best in top 15
  • Stabilized inventory — low rehab intensity vs. Detroit or Memphis
  • Section-8 demand stable via Allegheny County Housing Authority
  • Five validated zones span $155K–$295K SFR

Pittsburgh DSCR Market Data — read the full market intel →

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

HOW PITTSBURGH COMPARES

How Pittsburgh Compares to Other Top-Tier DSCR Markets

Pittsburgh sits between Cleveland (R/P 0.94%, similar tax) and Cincinnati (R/P 0.77%, lower tax). The differentiator is employment stability — UPMC is recession-resistant in ways that automotive or manufacturing aren't.

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DATA SOURCES

Where This Pittsburgh DSCR Data Comes From

Median price + rent: Zillow ZHVI / ZORI 2026 Q1 (metro single-family series, reconciled against West Penn Multi-List MLS comps). R/P derived from Zillow + ATTOM Data. Vacancy from BLS CEW 2026 Q1. Property tax from Allegheny County assessor. 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

Pittsburgh DSCR Lending Questions

Pittsburgh is the #4 national DSCR market in 2026. Healthcare + education employment (UPMC, Carnegie Mellon, Pitt) anchors stable tenancy. R/P 0.80% and 2.0% property tax balance to DSCR 1.05–1.45 across five validated workforce zones.

Across the five validated zones, DSCR averages 1.18 at 80% LTV / 7.5%. Carrick inner-ring workforce SFR pencils 1.20–1.45. Penn Hills east workforce suburb runs 1.20–1.45. South Hills (Brookline, Beechview) runs 1.10–1.35.

Yes — Brookline (15226), Carrick (15210), Brighton Heights (15212), Beechview (15216), Penn Hills (15235). Carrick and Penn Hills have the highest workforce-zone R/P.

Pittsburgh loan amounts typically $120K–$240K matched to Pittsburgh SFR inventory. 80% LTV purchase, 75% cash-out refi standard.

Pittsburgh's stabilized inventory reduces PM intensity vs. Detroit or Memphis. Start with a Pittsburgh-specialist real estate agent. Run the DSCR calculator with Pittsburgh tax (2.0%) and insurance defaults.

Homestead Capital Partners NMLS #2587985 | NEXA Mortgage, LLC NMLS #1660690 (DBA NEXA Lending)

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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.