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2025 FHA Loan Limits in Ohio

Kat Tretina
Written by Kat Tretina
Brianna McGurran
Edited by Brianna McGurran
Updated on: December 30, 2024 Content was accurate at the time of publication.
We are committed to providing accurate content that helps you make informed money decisions. Our partners have not commissioned or endorsed this content. Read our editorial guidelines here.

In a competitive real estate market with rising prices, finding an affordable mortgage with a low down payment requirement can be a huge help. Loans backed by the Federal Housing Administration (FHA) allow buyers to purchase a home with as little as 3.5% down and have more accessible qualification requirements than conventional loans.

But FHA loans have borrowing limits that can vary by county. In Ohio, FHA loan limits range from $524,225 for single-family homes to $1,094,700 for four-family properties. That threshold should be adequate for most homebuyers. The median sales price for homes in Ohio was $247,770 in November 2024, well below the national median, according to Ohio Realtors, a local trade association.

Ohio FHA loan limits by county

Ohio single-family FHA loan limits

County nameOne unitTwo unitsThree unitsFour unitsMedian sales price
ADAMS$524,225$671,200$811,275$1,008,300$114,000
ALLEN$524,225$671,200$811,275$1,008,300$145,000
ASHLAND$524,225$671,200$811,275$1,008,300$175,000
ASHTABULA$524,225$671,200$811,275$1,008,300$125,000
ATHENS$524,225$671,200$811,275$1,008,300$129,000
AUGLAIZE$524,225$671,200$811,275$1,008,300$170,000
BELMONT$524,225$671,200$811,275$1,008,300$241,000
BROWN$524,225$671,200$811,275$1,008,300$367,000
BUTLER$524,225$671,200$811,275$1,008,300$367,000
CARROLL$524,225$671,200$811,275$1,008,300$161,000
CHAMPAIGN$524,225$671,200$811,275$1,008,300$183,000
CLARK$524,225$671,200$811,275$1,008,300$155,000
CLERMONT$524,225$671,200$811,275$1,008,300$367,000
CLINTON$524,225$671,200$811,275$1,008,300$186,000
COLUMBIANA$524,225$671,200$811,275$1,008,300$115,000
COSHOCTON$524,225$671,200$811,275$1,008,300$117,000
CRAWFORD$524,225$671,200$811,275$1,008,300$120,000
CUYAHOGA$524,225$671,200$811,275$1,008,300$322,000
DARKE$524,225$671,200$811,275$1,008,300$160,000
DEFIANCE$524,225$671,200$811,275$1,008,300$145,000
DELAWARE$569,250$728,750$880,900$1,094,700$495,000
ERIE$524,225$671,200$811,275$1,008,300$139,000
FAIRFIELD$569,250$728,750$880,900$1,094,700$495,000
FAYETTE$524,225$671,200$811,275$1,008,300$176,000
FRANKLIN$569,250$728,750$880,900$1,094,700$495,000
FULTON$524,225$671,200$811,275$1,008,300$238,000
GALLIA$524,225$671,200$811,275$1,008,300$153,000
GEAUGA$524,225$671,200$811,275$1,008,300$322,000
GREENE$524,225$671,200$811,275$1,008,300$250,000
GUERNSEY$524,225$671,200$811,275$1,008,300$120,000
HAMILTON$524,225$671,200$811,275$1,008,300$367,000
HANCOCK$524,225$671,200$811,275$1,008,300$190,000
HARDIN$524,225$671,200$811,275$1,008,300$127,000
HARRISON$524,225$671,200$811,275$1,008,300$89,000
HENRY$524,225$671,200$811,275$1,008,300$150,000
HIGHLAND$524,225$671,200$811,275$1,008,300$134,000
HOCKING$569,250$728,750$880,900$1,094,700$495,000
HOLMES$524,225$671,200$811,275$1,008,300$215,000
HURON$524,225$671,200$811,275$1,008,300$143,000
JACKSON$524,225$671,200$811,275$1,008,300$122,000
JEFFERSON$524,225$671,200$811,275$1,008,300$156,000
KNOX$524,225$671,200$811,275$1,008,300$225,000
LAKE$524,225$671,200$811,275$1,008,300$322,000
LAWRENCE$524,225$671,200$811,275$1,008,300$215,000
LICKING$569,250$728,750$880,900$1,094,700$495,000
LOGAN$524,225$671,200$811,275$1,008,300$148,000
LORAIN$524,225$671,200$811,275$1,008,300$322,000
LUCAS$524,225$671,200$811,275$1,008,300$238,000
MADISON$569,250$728,750$880,900$1,094,700$495,000
MAHONING$524,225$671,200$811,275$1,008,300$149,000
MARION$524,225$671,200$811,275$1,008,300$137,000
MEDINA$524,225$671,200$811,275$1,008,300$322,000
MEIGS$524,225$671,200$811,275$1,008,300$75,000
MERCER$524,225$671,200$811,275$1,008,300$180,000
MIAMI$524,225$671,200$811,275$1,008,300$250,000
MONROE$524,225$671,200$811,275$1,008,300$89,000
MONTGOMERY$524,225$671,200$811,275$1,008,300$250,000
MORGAN$524,225$671,200$811,275$1,008,300$106,000
MORROW$569,250$728,750$880,900$1,094,700$495,000
MUSKINGUM$524,225$671,200$811,275$1,008,300$155,000
NOBLE$524,225$671,200$811,275$1,008,300$103,000
OTTAWA$524,225$671,200$811,275$1,008,300$238,000
PAULDING$524,225$671,200$811,275$1,008,300$118,000
PERRY$569,250$728,750$880,900$1,094,700$495,000
PICKAWAY$569,250$728,750$880,900$1,094,700$495,000
PIKE$524,225$671,200$811,275$1,008,300$124,000
PORTAGE$524,225$671,200$811,275$1,008,300$225,000
PREBLE$524,225$671,200$811,275$1,008,300$155,000
PUTNAM$524,225$671,200$811,275$1,008,300$159,000
RICHLAND$524,225$671,200$811,275$1,008,300$145,000
ROSS$524,225$671,200$811,275$1,008,300$155,000
SANDUSKY$524,225$671,200$811,275$1,008,300$137,000
SCIOTO$524,225$671,200$811,275$1,008,300$91,000
SENECA$524,225$671,200$811,275$1,008,300$126,000
SHELBY$524,225$671,200$811,275$1,008,300$183,000
STARK$524,225$671,200$811,275$1,008,300$161,000
SUMMIT$524,225$671,200$811,275$1,008,300$225,000
TRUMBULL$524,225$671,200$811,275$1,008,300$149,000
TUSCARAWAS$524,225$671,200$811,275$1,008,300$163,000
UNION$569,250$728,750$880,900$1,094,700$495,000
VAN WERT$524,225$671,200$811,275$1,008,300$135,000
VINTON$524,225$671,200$811,275$1,008,300$42,000
WARREN$524,225$671,200$811,275$1,008,300$367,000
WASHINGTON$524,225$671,200$811,275$1,008,300$160,000
WAYNE$524,225$671,200$811,275$1,008,300$215,000
WILLIAMS$524,225$671,200$811,275$1,008,300$134,000
WOOD$524,225$671,200$811,275$1,008,300$238,000
WYANDOT$524,225$671,200$811,275$1,008,300$146,000

How are FHA loan limits determined?

The Federal Housing Finance Agency (FHFA) sets the maximum loan limit for conventional mortgages, which are mortgages that aren’t issued through, owned or guaranteed by a government program. These limits adjust every year.

FHA loans are impacted by the FHFA’s confirming loan limit, but FHA loans also use other information to determine their limits, such as metropolitan statistical area (MSA) home sales data. Based on that data, the FHA sets both a loan floor and a loan ceiling.

The loan floor is the maximum loan amount for lower-cost areas, and it’s set at 65% of the conforming loan limit. The national floor is $524,225 for single-family homes in most counties.

The FHA loan ceiling is the maximum loan amount for homes in areas categorized as “high cost.” This maximum is capped at 150% of the national conforming loan limit. For single-family homes in high-cost areas, the FHA ceiling is $1,209,750.

How to qualify for an FHA loan in Ohio

On average, homebuyers in the Buckeye State can expect to spend about $230,000 to buy a home. An FHA loan can make becoming a homeowner more attainable, but you must meet these requirements to qualify for a loan:

  • Credit score: FHA loans have lower credit score requirements than other mortgage types. You can qualify for a loan with a credit score as low as 500 under the FHA program. But, to qualify for a loan with the lowest down payment requirement, you need a credit score of 580 or higher.
  • Debt-to-income (DTI) ratio: Your DTI ratio is how much of your monthly income is used to cover your debt payments. The lower your DTI, the better, but for FHA loans, the maximum allowable DTI — inclusive of all of your fixed payments — is 43%.
  • Down payment: The minimum down payment for an FHA loan is 3.5%, but if your credit score is on the lower end, it can be as high as 10%.
  • Mortgage insurance: Mortgage insurance is a necessity to protect the lender in case of foreclosure; FHA loans require mortgage insurance payments upfront at closing and on an ongoing monthly basis. The upfront premium is 1.75% of the base loan amount.
  • Property condition: Before you can close on a property with an FHA loan, the property has to undergo an appraisal and inspection to ensure it meets condition standards set by the U.S. Department of Housing and Urban Development (HUD). If there are issues with the home, the seller will have to complete the repairs to meet government program standards.
  • Property use: Homebuyers can only use FHA loans to purchase owner-occupied primary residences.

Buying a multifamily property with an FHA loan

You can use an FHA loan to purchase a multifamily property, but only if the intent is to use one of the units as your primary residence. If you live in one of the units, you can rent out the other units, and still qualify for a loan with as little as 3.5% down.

You must meet all of the other requirements for FHA loans, including:

  • A credit score of 500 or higher.
  • A down payment of 3.5% (or 10%, if your credit score is between 500 and 579).
  • DTI of 43% or lower.
  • Mortgage insurance payments.
  • FHA-approved appraisal and inspection.
Number of unitsLow-cost FHA loan limit
Two$671,200
Three$811,275
Four$1,008,300

FHA lenders in Ohio

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