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Texas DSCR Calculator

Reviewed by ArvCalc Editorial TeamLast updated: September 2026

Free Texas dscr calculator pre-loaded with TX property tax (1.4%), insurance ($3,300/yr), and vacancy (8%) defaults. Results are for educational underwriting purposes and should not be treated as financial, tax, legal, or investment advice.

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Rental Income

TX avg: 8%

Monthly Obligations

Loan Details

DSCR Result

Fill in the fields to see DSCR analysis

Texas Market Snapshot

Median Sale Price

$0

-1.2% YoY

Median Rent

$1,452/mo

-0.9% YoY

Vacancy Rate

8%

State average

Days on Market

44

Median DOM

Property Tax Rate

1.4%

Avg Insurance

$3,300/yr

Population Growth

1.7%

Why Use Texas Data?

Real estate investing is hyperlocal. National averages for property tax, insurance, and vacancy rates can be wildly misleading when underwriting a deal in Texas. The TX effective property tax rate is 1.4%, which translates to $0/year on a median-priced Texas home at $0. That single line item can be the difference between positive and negative cash flow.

Homeowners insurance in Texas averages $3,300/year — well above the national average. Failing to account for TX-specific insurance costs is one of the most common mistakes new investors make when running numbers remotely. Texas Dept of Insurance: $3,291 (2024 official), $3,506 (2025 preliminary).

The Texas vacancy rate currently sits at 8%. Plugging in a generic 5% vacancy assumption when the actual market runs higher will overstate your projected income. This calculator pre-fills TX data so your analysis starts from reality, not assumptions.

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Use general DSCR Calculator for custom data

Frequently Asked Questions

Is the data in this calculator specific to Texas?
Yes. The vacancy rate (8%), property tax rate (1.4%), and insurance cost ($3,300/yr) are all pre-loaded with Texas-specific data sourced from state agencies and market databases. You can override any value.
How often is the Texas data updated?
We review and update state market data quarterly. The current dataset was last reviewed in 2026-07-14. Sources include Tax Foundation (taxfoundation.org), Texas Department of Insurance (tdi.texas.gov), Texas REALTORS (texasrealestate.com), and others.
Can I use custom numbers instead of the pre-filled defaults?
Absolutely. The pre-filled values are starting points based on TX averages. Every field is editable. For property-specific analysis, enter the actual numbers from your deal.
What DSCR do lenders require?
Most DSCR lenders require a minimum ratio of 1.0-1.25. A DSCR of 1.0 means rent exactly covers the payment. Many lenders prefer 1.25+ for better terms and lower interest rates. Some lenders offer no-ratio or sub-1.0 DSCR programs with higher rates.
What is PITIA?
PITIA stands for Principal, Interest, Taxes, Insurance, and Association dues (HOA). It represents your total monthly housing obligation. DSCR is calculated as Monthly Rent / PITIA.