DSCRUpdated October 1, 2026 · Zillow bottom-tier ZHVI + ZORI metro data
Dayton, OH, Investor Yield Index
Dayton scores 100/100 (grade A) and ranks #5 of 19 tracked metros for rental cash flow. At the Greater Dayton median of $74,000 renting near $1,343/mo, the estimated DSCR is 2.23 at a 6.80% loan rate, which clears the 1.2 lender minimum.
Prepared by the DSCRRadar data team, which recomputes every metro score weekly from Zillow's public bottom-tier ZHVI and ZORI research files using the open formula in the Index methodology. Median-level estimates from Zillow research data, not a live quote. Run your real numbers below.
Index 100/100 · rank #5
Cap rate
Gross yield
Median price
DSCR
Cash-on-cash
Monthly rent
GRM
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Pre-filled with Dayton medians. Adjust price, rent, and rate to your actual deal.
Assumptions: 25% down + 3% closing costs, 40% opex/vacancy load 30-year amortization. Lenders typically require DSCR ≥ 1.2. Estimates, not a quote.
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Common questions about Dayton
Is Dayton, OH a good market for rental investors in 2026?
On the Investor Yield Index it scores 100/100 (grade A), ranking #5 of 19 tracked metros. The median price is $74,000 with rent around $1,343/mo, producing an estimated 13.07% cap rate and 2.23 DSCR at a 6.80% financing rate. At today's rates few U.S. metros clear positive cash flow on default terms, so the score is best read as where Dayton stands relative to other markets.
What is the cap rate in Dayton?
The model estimates a 13.07% cap rate at the median price-to-rent ratio, assuming a 40% operating-expense load. Your actual cap rate depends on the specific property and expenses.
Will a rental in Dayton qualify for a DSCR loan?
Yes, the estimated DSCR of 2.23 clears the typical 1.2 lender minimum at prevailing rates.
Where does the data on this page come from?
Zillow's public research files. Bottom-tier metro ZHVI for home values and metro ZORI for rents, both as of October 2026. Metrics recompute weekly from the raw CSVs.
Markets ranked near Dayton
The closest metros above and below Dayton on the index, plus the top markets for comparison.
Cleveland, OH
Memphis, TN
Birmingham, AL
Chicago, IL
Tampa, FL
Indianapolis, IN
San Antonio, TX
Houston, TX
Index assumptions, 25% down, a 40% operating-expense load, 30-year amortization, and a 6.80%loan rate. DSCR is net operating income divided by annual debt service, lenders typically want at least 1.2. Cap rate, gross yield, DSCR, and cash-on-cash are weighted 30, 20, 30, and 20 percent. Prices and rents are metro-level medians for relative comparison, not live quotes or investment advice.