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2026 FHA Loan Limits in Ohio
If you’re planning to buy a home in Ohio, start by exploring FHA loans. These mortgages, backed by the Federal Housing Administration (FHA), offer low down payments and competitive interest rates that may be especially helpful for first-time homebuyers.
Read on to learn about FHA loan limits and requirements in Ohio. To get an FHA loan, you’ll need to make sure the amount you need to borrow fits within FHA loan limits. In Ohio, FHA loan limits for single-family homes range from $541,287 to $591,100, depending on the county where you’re buying a home.
Ohio FHA loan limits by county
| County Name | One Unit | Two Units | Three Units | Four Units | Median Sales Price |
|---|---|---|---|---|---|
| ADAMS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $99,000 |
| ALLEN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $165,000 |
| ASHLAND COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $190,000 |
| ASHTABULA COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $350,000 |
| ATHENS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $155,000 |
| AUGLAIZE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $183,000 |
| BELMONT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $228,000 |
| BROWN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $380,000 |
| BUTLER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $380,000 |
| CARROLL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| CHAMPAIGN COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $196,000 |
| CLARK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $170,000 |
| CLERMONT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $380,000 |
| CLINTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $196,000 |
| COLUMBIANA COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $129,000 |
| COSHOCTON COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $141,000 |
| CRAWFORD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $136,000 |
| CUYAHOGA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $350,000 |
| DARKE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $173,000 |
| DEFIANCE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $155,000 |
| DELAWARE COUNTY | $591,100 | $756,700 | $914,700 | $1,136,750 | $514,000 |
| ERIE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $225,000 |
| FAIRFIELD COUNT | $591,100 | $756,700 | $914,700 | $1,136,750 | $514,000 |
| FAYETTE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $193,000 |
| FRANKLIN COUNTY | $591,100 | $756,700 | $914,700 | $1,136,750 | $514,000 |
| FULTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $259,000 |
| GALLIA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $136,000 |
| GEAUGA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $350,000 |
| GREENE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $269,000 |
| GUERNSEY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $135,000 |
| HAMILTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $380,000 |
| HANCOCK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $205,000 |
| HARDIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $140,000 |
| HARRISON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $98,000 |
| HENRY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $158,000 |
| HIGHLAND COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $155,000 |
| HOCKING COUNTY | $591,100 | $756,700 | $914,700 | $1,136,750 | $514,000 |
| HOLMES COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $260,000 |
| HURON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $151,000 |
| JACKSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $130,000 |
| JEFFERSON COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $174,000 |
| KNOX COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $248,000 |
| LAKE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $350,000 |
| LAWRENCE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $243,000 |
| LICKING COUNTY | $591,100 | $756,700 | $914,700 | $1,136,750 | $514,000 |
| LOGAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $165,000 |
| LORAIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $350,000 |
| LUCAS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $259,000 |
| MADISON COUNTY | $591,100 | $756,700 | $914,700 | $1,136,750 | $514,000 |
| MAHONING COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $150,000 |
| MARION COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $150,000 |
| MEDINA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $350,000 |
| MEIGS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $80,000 |
| MERCER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $191,000 |
| MIAMI COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $269,000 |
| MONROE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $103,000 |
| MONTGOMERY COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $269,000 |
| MORGAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $90,000 |
| MORROW COUNTY | $591,100 | $756,700 | $914,700 | $1,136,750 | $514,000 |
| MUSKINGUM COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $214,000 |
| NOBLE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $148,000 |
| OTTAWA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $225,000 |
| PAULDING COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $138,000 |
| PERRY COUNTY | $591,100 | $756,700 | $914,700 | $1,136,750 | $514,000 |
| PICKAWAY COUNTY | $591,100 | $756,700 | $914,700 | $1,136,750 | $514,000 |
| PIKE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $120,000 |
| PORTAGE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $235,000 |
| PREBLE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $173,000 |
| PUTNAM COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $175,000 |
| RICHLAND COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $163,000 |
| ROSS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $175,000 |
| SANDUSKY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $150,000 |
| SCIOTO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $120,000 |
| SENECA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $130,000 |
| SHELBY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $205,000 |
| STARK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| SUMMIT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $235,000 |
| TRUMBULL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $150,000 |
| TUSCARAWAS COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| UNION COUNTY | $591,100 | $756,700 | $914,700 | $1,136,750 | $514,000 |
| VAN WERT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $149,000 |
| VINTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $52,000 |
| WARREN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $380,000 |
| WASHINGTON COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $161,000 |
| WAYNE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $225,000 |
| WILLIAMS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $149,000 |
| WOOD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $259,000 |
| WYANDOT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $145,000 |
How much is your home purchase price?
$400,000
How are FHA loan limits determined?
Each year, the federal government sets new FHA loan limits based on the national conforming loan limit set by the Federal Housing Finance Agency. Yearly FHA loan limits vary by state and county based on the median home prices in each area.
The FHA sets yearly “floor” loan limits for lower-cost areas and “ceiling” loan limits for higher-cost areas. The “ceiling” loan limit is set at 150% of the national conforming loan limit, which is $832,750. In 2026, the “floor” limit for a one-unit property is $541,287 and the “ceiling” limit for a one-unit property is $1,249,125.
How to qualify for an FHA loan in Ohio
FHA loans can be a good choice if you’re building or rebuilding credit or don’t have enough savings to make a large down payment. The first step for getting this type of home financing is to make sure that you meet the FHA mortgage requirements for buying a home in Ohio. To qualify for an FHA loan, you must:
- Meet credit score requirements. The minimum credit score for an FHA loan is 580 with a 3.5% down payment or 500 with a 10% down payment.
- Have funds for a down payment. You’ll need to have funds to make a down payment of at least 3.5% in order to get an FHA loan. If your credit score is lower than 580, you’ll need to put 10% down.
- Earn a steady income. There is no set requirement for a minimum salary to qualify for an FHA loan. However, you will need to show the bank documentation that you’ve had a job or other source of regular income for at least two years.
- Not have too much debt. FHA lenders also look at your debt-to-income ratio when deciding if you qualify for a loan. Generally, you need a DTI of 43% or lower. However, some lenders may allow leeway for borrowers with cash reserves or other positive factors in their favor. In any case, it’s smart to avoid taking on new debt before you apply for a home loan.
- Get the home appraised. FHA loans require that you get an FHA appraisal. This helps to verify that the home is worth the purchase amount, that it is safe and secure, and that there are no serious issues that must be fixed before the sale.
- Pay mortgage insurance. To get an FHA loan, you must pay FHA mortgage insurance as both an upfront sum (UFMIP) of 1.75% and a monthly mortgage premium (MIP) folded into your mortgage.
- Plan to live in the home. FHA loans are available only to buy a primary residence, so you must plan to live in the home for at least one year.
Buying a multifamily property with an FHA loan
The FHA program allows you to buy a multifamily home (two to four units) with just 3.5% down. This offers an opportunity to get ahead financially using tactics such as house hacking, in which you live in one unit and rent out the rest. Some homebuyers are able to cover their own portion of the mortgage this way, essentially getting “free” housing.
If you’re considering using an FHA loan for a multifamily property, you’ll need to meet these FHA multifamily loan requirements:
- Minimum credit score. Just as with a single-family home, you must have a credit score of at least 500 with a 10% down payment or 580 with a 3.5% down payment.
- Down payment. You must have enough saved to make a down payment of either 3.5% or 10%, depending on your credit score.
- Appraisal. A professional appraisal is required for an FHA multifamily loan. Just as with a single-family home, the property must have a high enough value to justify the loan amount and must not have any safety issues or major problems.
- Cash reserves. One of the ways an FHA multifamily loan differs from a single-family loan is that you’ll need to prove that you have cash reserves to pay the full mortgage amount. You must have two months of mortgage reserves for a two-unit home and three months of mortgage reserves if you’re buying a three- or four-unit home.
- Steady income. There is no set salary required to qualify, but you must prove you’ve had a steady source of income for at least two years so the bank can verify that you’ll be able to make your mortgage payments.
- Mortgage insurance. Just as with a single-family home, you’ll have one upfront payment plus a monthly mortgage insurance premium payment.
- Debt-to-income ratio. The maximum DTI is typically 43%, though lenders may allow slightly more debt in some cases.
- Live in one of the units. If you plan to get an FHA multifamily loan, one of the units must serve as your primary residence for at least one year.
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $693,050 |
| Three | $837,700 |
| Four | $1,041,125 |
FHA lenders in Ohio
| Lender | LendingTree rating | Minimum FHA credit score | |
|---|---|---|---|
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 |
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