St. Louis, MO DSCR Calculator
Calculate the debt service coverage ratio (DSCR) for any rental property in St. Louis. Based on current St. Louis market data.
St. Louis Market Snapshot
$165,000
$1,050/mo
8.5%
1.4%
$8,108
0.86
Based on median price, 25% down, 6.5% rate, 30-year term.
Run Your St. Louis Numbers
Plug in any St. Louis property to get DSCR, NOI, cash flow, and more.
How DSCR Works in St. Louis
The St. Louis rental market has a median home price of $165,000 and median rent of $1,050/month, which puts the average debt service coverage ratio (DSCR) at roughly 8.5% for a typical single-family rental. That means for every dollar of property value, you can expect about 8.5 cents in annual net income before debt service.
With a 25% down payment ($41,250) and a 6.5% mortgage rate, a median St. Louis rental generates roughly $8,108/yr in NOI against $9,384/yr in debt service, giving you a DSCR of 0.86. That's below breakeven at median price — look for deals 15-20% below median or properties with above-average rents.