Ranked list · DSCR
Markets where a standard rental covers its mortgage
The markets where a market-typical rental, bought at the market-typical investor entry price with 25% down, produces enough net operating income to cover its own debt service. This is the shortest list on the site, and that is the finding.
What this ranking is
191 of 4,812 scored markets meet the entry rule for this list (a DSCR of 1.00 or better under the published market-level assumptions, and a Confidence score of 70 or better). Across the 100 shown, the median Overall score is 49.2 out of 100 and 16 carry an A grade, so a strong showing on dscr is not the same thing as a strong market.
Read it with the trade-off. Only 191 of 4812 ranked markets clear 1.00 under these assumptions. In every other market on this site, a 25%-down purchase at the market-typical price does not cover its own loan payment, which is the single most useful thing this dataset says about 2026.
DSCR here is a market-level scenario, not a property: the investor-entry price and typical rent for the market, 25% down at 7% over 30 years, with modeled vacancy, management, maintenance, capex, insurance and the local tax rate. Every one of those assumptions is published on the methodology page, and a real property will differ. Run your own numbers before you rely on it.
Every market below links to its own page, where the same numbers are shown with their source, their as-of date, and the exact arithmetic behind the score. A ranking is a screen for where to look; it is not underwriting and not a recommendation.
Markets where a standard rental covers its mortgage, ranked
Showing the top 100 of 191 markets that qualify. Click any column to re-sort. The full 4,812-market ranking, with every filter, is in the market explorer.
| # | Market | DSCR | Grade | Overall | Confidence | Typical home value | Gross yield | Population trend | National rank |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Park City IL | 3.11 | B | 57.1 | 82 | $288,547 | 23.2% ACS | +0.2% | #1014 |
| 2 | Detroit MI | 2.53 | C | 45.9 | 100 | $77,199 | 20.8% | -0.1% | #2585 |
| 3 | Lauderdale Lakes FL | 2.37 | A | 65.9 | 88 | $135,344 | 18.3% | +0.6% | #309 |
| 4 | Jennings MO | 2.35 | C | 46.8 | 88 | $70,223 | 20.4% | -0.5% | #2466 |
| 5 | East St. Louis IL | 2.20 | C | 49.2 | 82 | $36,286 | 19.3% ACS | -2.4% | #2083 |
| 6 | Raymondville TX | 2.20 | C | 49.1 | 82 | $118,655 | 20.3% ACS | -0.6% | #2101 |
| 7 | Gary IN | 2.13 | D | 43.1 | 100 | $92,352 | 17.7% | -0.9% | #2977 |
| 8 | Tarrant AL | 2.11 | B | 56.8 | 82 | $75,349 | 17.4% | -1.0% | #1043 |
| 9 | Pine Bluff AR | 2.10 | F | 28.7 | 94 | $73,251 | 17.3% | -1.5% | #4378 |
| 10 | Jackson MS | 2.07 | F | 33.9 | 100 | $86,367 | 17.6% | -1.7% | #4038 |
| 11 | Cusseta-Chattahoochee County unified government GA | 2.04 | C | 44.2 | 70 | $145,396 | 15.8% ACS | -2.4% | #2819 |
| 12 | Youngstown OH | 2.04 | D | 40.3 | 100 | $73,589 | 17.3% | -0.7% | #3380 |
| 13 | Flint MI | 2.03 | C | 46.3 | 100 | $65,250 | 17.5% | -1.3% | #2536 |
| 14 | Dolton IL | 2.00 | B | 58.8 | 82 | $158,803 | 17.8% | -0.9% | #826 |
| 15 | Sauk Village IL | 1.91 | A | 64.5 | 70 | $110,800 ACS | 16.3% ACS | -0.7% | #374 |
| 16 | Berkeley MO | 1.87 | B | 50.3 | 82 | $94,717 | 16.4% | -0.8% | #1916 |
| 17 | Midfield AL | 1.82 | B | 55.5 | 82 | $79,726 | 15.4% | -0.8% | #1184 |
| 18 | Bellefontaine Neighbors MO | 1.76 | C | 44.5 | 88 | $102,479 | 16.8% | -0.5% | #2782 |
| 19 | Chester PA | 1.74 | B | 58.0 | 94 | $83,100 ACS | 15.8% ACS | +0.4% | #903 |
| 20 | Muskegon Heights MI | 1.70 | C | 45.8 | 82 | $90,377 | 15.7% ACS | -0.6% | #2600 |
| 21 | Prichard AL | 1.65 | B | 55.4 | 82 | $57,317 | 12.9% ACS | -1.1% | #1206 |
| 22 | Fairfield AL | 1.62 | C | 48.0 | 82 | $94,108 | 14.9% | -1.2% | #2261 |
| 23 | Shamokin PA | 1.61 | B | 52.0 | 76 | $60,400 ACS | 16.4% ACS | -0.5% | #1647 |
| 24 | Ferguson MO | 1.61 | C | 47.9 | 88 | $115,594 | 14.2% | -1.1% | #2280 |
| 25 | Sweetwater TX | 1.59 | F | 27.1 | 82 | $123,953 | 14.8% | -0.8% | #4456 |
| 26 | Meridian MS | 1.58 | F | 31.1 | 88 | $115,679 | 14.0% | -1.2% | #4242 |
| 27 | Camden NJ | 1.53 | C | 49.8 | 100 | $152,107 | 14.4% | -0.3% | #1994 |
| 28 | Ecorse MI | 1.53 | D | 42.8 | 82 | $81,721 | 15.4% ACS | -0.7% | #3018 |
| 29 | Helena-West Helena AR | 1.53 | D | 41.1 | 73 | $40,630 | 12.6% ACS | -2.9% | #3283 |
| 30 | Moraine OH | 1.51 | B | 54.0 | 82 | $163,011 | 13.5% | +0.4% | #1398 |
| 31 | Duquesne PA | 1.50 | B | 57.6 | 82 | $57,985 | 13.9% ACS | -0.9% | #956 |
| 32 | Coffeyville KS | 1.50 | F | 33.3 | 73 | $67,577 | 15.1% | -1.1% | #4088 |
| 33 | Markham IL | 1.48 | A | 59.4 | 82 | $157,367 | 14.4% ACS | -0.9% | #773 |
| 34 | Bessemer AL | 1.47 | C | 49.1 | 100 | $134,200 | 12.2% | -0.7% | #2095 |
| 35 | Bastrop LA | 1.46 | C | 45.7 | 73 | $97,820 | 11.5% ACS | -1.6% | #2610 |
| 36 | River Rouge MI | 1.46 | D | 41.7 | 82 | $84,710 | 15.5% ACS | -1.0% | #3194 |
| 37 | Turtle Creek PA | 1.45 | B | 54.1 | 82 | $94,621 | 14.3% | -0.9% | #1372 |
| 38 | Cleveland OH | 1.45 | C | 45.6 | 100 | $120,419 | 13.9% | -0.6% | #2627 |
| 39 | Kingsville TX | 1.43 | C | 47.8 | 94 | $146,009 | 12.7% | -0.5% | #2299 |
| 40 | Woodward OK | 1.43 | F | 30.0 | 73 | $132,434 | 11.8% | -0.9% | #4305 |
| 41 | Sharon PA | 1.42 | B | 52.3 | 82 | $77,222 | 14.1% | -0.7% | #1612 |
| 42 | Inkster MI | 1.42 | C | 47.3 | 100 | $108,211 | 13.7% | -0.4% | #2365 |
| 43 | East Cleveland OH | 1.41 | C | 48.3 | 82 | $74,107 | 14.3% | -1.7% | #2216 |
| 44 | Maple Heights OH | 1.40 | A | 59.6 | 100 | $137,976 | 13.6% | -0.3% | #752 |
| 45 | Oil City PA | 1.39 | C | 45.1 | 82 | $91,387 | 13.3% ACS | -0.7% | #2697 |
| 46 | Port Arthur TX | 1.36 | B | 52.1 | 100 | $127,534 | 12.1% | -0.0% | #1637 |
| 47 | Kewanee IL | 1.36 | C | 50.1 | 82 | $85,306 | 13.1% ACS | -0.5% | #1950 |
| 48 | Richland MS | 1.35 | A | 70.9 | 73 | $222,968 | 11.3% ACS | +1.0% | #121 |
| 49 | Ozark AL | 1.35 | B | 54.8 | 82 | $150,325 | 11.4% | -0.1% | #1285 |
| 50 | Birmingham AL | 1.33 | D | 42.5 | 100 | $136,876 | 11.6% | -0.6% | #3074 |
| 51 | Altus OK | 1.31 | A | 63.9 | 73 | $108,969 | 11.2% | -0.1% | #415 |
| 52 | La Feria TX | 1.31 | B | 56.2 | 82 | $184,907 | 11.6% ACS | +0.5% | #1108 |
| 53 | Snyder TX | 1.31 | F | 33.6 | 82 | $146,000 | 11.9% ACS | -0.4% | #4056 |
| 54 | Center TX | 1.29 | D | 41.9 | 70 | $212,468 | 11.9% ACS | -0.2% | #3168 |
| 55 | Vernon TX | 1.28 | B | 51.7 | 82 | $106,430 | 13.0% ACS | -0.7% | #1695 |
| 56 | Camilla GA | 1.28 | C | 49.2 | 70 | $151,729 | 11.2% ACS | -0.5% | #2093 |
| 57 | Marlin TX | 1.27 | A | 63.4 | 82 | $92,139 | 12.5% ACS | +0.3% | #446 |
| 58 | Breckenridge TX | 1.26 | F | 24.7 | 70 | $146,900 | 13.3% ACS | -0.4% | #4553 |
| 59 | Harvey IL | 1.25 | A | 61.1 | 82 | $109,303 | 13.1% ACS | -1.4% | #610 |
| 60 | Sikeston MO | 1.25 | B | 52.8 | 82 | $163,648 | 11.0% | -0.3% | #1539 |
| 61 | Moss Point MS | 1.25 | C | 48.9 | 73 | $152,571 | 11.7% ACS | -1.0% | #2128 |
| 62 | East Liverpool OH | 1.25 | F | 25.0 | 73 | $106,876 | 11.6% ACS | -1.0% | #4548 |
| 63 | Albertville MN | 1.23 | B | 69.5 | 73 | $381,884 | 11.1% | +1.6% | #152 |
| 64 | Plymouth PA | 1.23 | B | 56.7 | 76 | $148,558 | 12.1% ACS | +0.1% | #1064 |
| 65 | Pontiac MI | 1.23 | B | 55.6 | 100 | $139,885 | 11.3% | +0.2% | #1177 |
| 66 | Montgomery AL | 1.23 | C | 45.4 | 100 | $152,837 | 10.5% | -0.4% | #2664 |
| 67 | McKeesport PA | 1.23 | C | 44.4 | 82 | $97,114 | 12.0% | -1.2% | #2802 |
| 68 | Deerfield Beach FL | 1.22 | A | 60.7 | 88 | $272,563 | 10.7% | +0.9% | #640 |
| 69 | Lauderhill FL | 1.22 | A | 58.5 | 88 | $208,707 | 10.8% | +0.5% | #859 |
| 70 | Galena Park TX | 1.22 | C | 45.4 | 82 | $159,615 | 12.1% ACS | -0.7% | #2654 |
| 71 | Westwego LA | 1.21 | C | 48.2 | 73 | $184,597 | 10.2% | -0.4% | #2232 |
| 72 | Abbeville LA | 1.21 | D | 38.9 | 73 | $141,898 | 10.2% ACS | -0.9% | #3567 |
| 73 | Forrest City AR | 1.21 | F | 22.2 | 73 | $78,031 | 10.5% ACS | -1.4% | #4635 |
| 74 | Hope AR | 1.21 | F | 20.8 | 73 | $122,661 | 10.7% ACS | -1.3% | #4664 |
| 75 | Marianna FL | 1.20 | B | 55.0 | 70 | $200,878 | 10.5% ACS | +1.5% | #1247 |
| 76 | Chickasaw AL | 1.19 | A | 69.7 | 73 | $109,708 | 9.8% ACS | -0.2% | #146 |
| 77 | Quincy FL | 1.18 | B | 51.5 | 82 | $176,533 | 10.0% ACS | +0.7% | #1741 |
| 78 | Baltimore MD | 1.18 | F | 31.3 | 100 | $186,741 | 11.6% | -0.7% | #4229 |
| 79 | Abilene TX | 1.17 | A | 68.1 | 100 | $224,585 | 10.8% | +0.9% | #210 |
| 80 | Dayton KY | 1.17 | A | 61.8 | 73 | $203,688 | 11.5% | +1.0% | #559 |
| 81 | Elsa TX | 1.17 | B | 50.5 | 82 | $140,442 | 11.3% ACS | -0.8% | #1889 |
| 82 | Mount Carmel IL | 1.17 | C | 44.5 | 76 | $117,838 | 10.8% ACS | -0.6% | #2793 |
| 83 | Danville IL | 1.17 | F | 31.2 | 100 | $83,490 | 12.5% | -1.0% | #4236 |
| 84 | University Park IL | 1.15 | A | 68.0 | 82 | $197,599 | 12.9% ACS | -0.2% | #211 |
| 85 | Del City OK | 1.15 | B | 55.3 | 100 | $140,811 | 10.2% | -0.5% | #1213 |
| 86 | Lincoln Park MI | 1.15 | B | 54.7 | 100 | $154,774 | 10.8% | -0.2% | #1288 |
| 87 | Coconut Creek FL | 1.15 | B | 54.6 | 88 | $278,815 | 10.3% | +0.1% | #1301 |
| 88 | Canton MS | 1.15 | B | 54.4 | 73 | $226,397 | 10.0% | -0.7% | #1334 |
| 89 | Clearlake CA | 1.15 | B | 52.2 | 82 | $210,415 | 9.7% | +0.7% | #1625 |
| 90 | Robstown TX | 1.15 | D | 43.5 | 76 | $117,221 | 11.1% ACS | -0.4% | #2939 |
| 91 | Wilmer TX | 1.14 | A | 67.0 | 82 | $222,403 | 9.7% | +4.1% | #259 |
| 92 | Irondale AL | 1.14 | A | 63.0 | 82 | $288,291 | 9.7% | +0.4% | #474 |
| 93 | Childress TX | 1.14 | B | 56.1 | 70 | $140,783 | 12.7% ACS | -0.5% | #1118 |
| 94 | Eastpointe MI | 1.14 | B | 51.6 | 100 | $154,389 | 11.1% | +0.1% | #1706 |
| 95 | South Pasadena FL | 1.14 | B | 50.3 | 82 | $292,966 | 10.3% | -0.2% | #1909 |
| 96 | Trotwood OH | 1.14 | C | 44.6 | 94 | $139,652 | 11.4% | -0.2% | #2773 |
| 97 | Okmulgee OK | 1.13 | B | 52.0 | 73 | $107,483 | 10.2% ACS | -0.2% | #1649 |
| 98 | Darlington SC | 1.13 | C | 43.9 | 73 | $155,797 | 9.8% | -0.3% | #2873 |
| 99 | Edna TX | 1.13 | D | 42.1 | 70 | $219,210 | 10.7% ACS | +0.4% | #3131 |
| 100 | Parsons KS | 1.13 | F | 35.0 | 73 | $81,462 | 13.0% ACS | -0.6% | #3946 |
Figures marked ACS come from the Census American Community Survey (5-year), because Zillow publishes no index for that market: an ACS home value is the owner-reported median, and an ACS yield is the median gross rent over that median. 44 of the 100 markets shown carry one. Each city page names the source of every figure.
Take one of these markets further
A ranking narrows the field. These do the next step on a specific market or a specific deal.
Compare up to three of them side by side · Run a cash-flow and DSCR scenario · Check a cap rate · Go one level deeper, to ZIP Codes