2019 FHA Loan Limits in Ohio
Depending upon the county where you decide to buy, FHA loan limits for a single-family home in Ohio now range from a low of $314,827 to a high of $356,500. Most of Ohio qualifies for the lower $314,827 limit, with the exception of counties in the Columbus metro area, where the higher limit prevails.
If you’re shopping for a home in the state of Ohio, you may be in luck: According to a 2018 study by the National Association of REALTORS (NAR), housing in Ohio was more affordable there than anywhere else in the nation, based on what potential buyers could afford, according to income and what was for sale.
Ohio’s metropolitan areas seem especially affordable. Out of the 100 most affordable metro areas in the U.S., four topped NAR’s list: the Youngstown-Warren area in the northeastern part of the state, followed by Dayton, Akron, and Toledo. In these areas, the average household could afford almost 75% of homes that were on the market.
Nationally, home values for a single-family home increased 4.8% on average in the third quarter of 2018 compared with a year ago, for a median price of $266,900, according to NAR. In the Midwest, the median price grew 2.1% to $206,800.
For anyone considering a moderately priced home in Ohio, an FHA loan may be an affordable option, especially since the loans typically have lower requirements for down payments and credit scores.
Ohio FHA Loan Limits by County
| FHA Loan Limits in Ohio | |||||
| County Name | One-Family | Two-Family | Three-Family | Four-Family | Median Sale Price |
| Adams | $314,827 | $403,125 | $487,250 | $605,525 | $50,000 |
| Allen | $314,827 | $403,125 | $487,250 | $605,525 | $93,000 |
| Ashland | $314,827 | $403,125 | $487,250 | $605,525 | $110,000 |
| Ashtabula | $314,827 | $403,125 | $487,250 | $605,525 | $76,000 |
| Athens | $314,827 | $403,125 | $487,250 | $605,525 | $113,000 |
| Auglaize | $314,827 | $403,125 | $487,250 | $605,525 | $116,000 |
| Belmont | $314,827 | $403,125 | $487,250 | $605,525 | $119,000 |
| Brown | $314,827 | $403,125 | $487,250 | $605,525 | $229,000 |
| Butler | $314,827 | $403,125 | $487,250 | $605,525 | $229,000 |
| Carroll | $314,827 | $403,125 | $487,250 | $605,525 | $119,000 |
| Champaign | $314,827 | $403,125 | $487,250 | $605,525 | $120,000 |
| Clark | $314,827 | $403,125 | $487,250 | $605,525 | $98,000 |
| Clermont | $314,827 | $403,125 | $487,250 | $605,525 | $229,000 |
| Clinton | $314,827 | $403,125 | $487,250 | $605,525 | $112,000 |
| Columbiana | $314,827 | $403,125 | $487,250 | $605,525 | $80,000 |
| Coshocton | $314,827 | $403,125 | $487,250 | $605,525 | $75,000 |
| Crawford | $314,827 | $403,125 | $487,250 | $605,525 | $63,000 |
| Cuyahoga | $314,827 | $403,125 | $487,250 | $605,525 | $234,000 |
| Darke | $314,827 | $403,125 | $487,250 | $605,525 | $102,000 |
| Defiance | $314,827 | $403,125 | $487,250 | $605,525 | $93,000 |
| Delaware | $356,500 | $456,350 | $551,650 | $685,550 | $310,000 |
| Erie | $314,827 | $403,125 | $487,250 | $605,525 | $110,000 |
| Fairfield | $356,500 | $456,350 | $551,650 | $685,550 | $310,000 |
| Fayette | $314,827 | $403,125 | $487,250 | $605,525 | $100,000 |
| Franklin | $356,500 | $456,350 | $551,650 | $685,550 | $310,000 |
| Fulton | $314,827 | $403,125 | $487,250 | $605,525 | $160,000 |
| Gallia | $314,827 | $403,125 | $487,250 | $605,525 | $111,000 |
| Geauga | $314,827 | $403,125 | $487,250 | $605,525 | $234,000 |
| Greene | $314,827 | $403,125 | $487,250 | $605,525 | $168,000 |
| Guernsey | $314,827 | $403,125 | $487,250 | $605,525 | $76,000 |
| Hamilton | $314,827 | $403,125 | $487,250 | $605,525 | $229,000 |
| Hancock | $314,827 | $403,125 | $487,250 | $605,525 | $135,000 |
| Hardin | $314,827 | $403,125 | $487,250 | $605,525 | $79,000 |
| Harrison | $314,827 | $403,125 | $487,250 | $605,525 | $65,000 |
| Henry | $314,827 | $403,125 | $487,250 | $605,525 | $99,000 |
| Highland | $314,827 | $403,125 | $487,250 | $605,525 | $78,000 |
| Hocking | $356,500 | $456,350 | $551,650 | $685,550 | $310,000 |
| Holmes | $314,827 | $403,125 | $487,250 | $605,525 | $155,000 |
| Huron | $314,827 | $403,125 | $487,250 | $605,525 | $100,000 |
| Jackson | $314,827 | $403,125 | $487,250 | $605,525 | $69,000 |
| Jefferson | $314,827 | $403,125 | $487,250 | $605,525 | $94,000 |
| Knox | $314,827 | $403,125 | $487,250 | $605,525 | $130,000 |
| Lake | $314,827 | $403,125 | $487,250 | $605,525 | $234,000 |
| Lawrence | $314,827 | $403,125 | $487,250 | $605,525 | $158,000 |
| Licking | $356,500 | $456,350 | $551,650 | $685,550 | $310,000 |
| Logan | $314,827 | $403,125 | $487,250 | $605,525 | $94,000 |
| Lorain | $314,827 | $403,125 | $487,250 | $605,525 | $234,000 |
| Lucas | $314,827 | $403,125 | $487,250 | $605,525 | $160,000 |
| Madison | $356,500 | $456,350 | $551,650 | $685,550 | $310,000 |
| Mahoning | $314,827 | $403,125 | $487,250 | $605,525 | $88,000 |
| Marion | $314,827 | $403,125 | $487,250 | $605,525 | $85,000 |
| Medina | $314,827 | $403,125 | $487,250 | $605,525 | $234,000 |
| Meigs | $314,827 | $403,125 | $487,250 | $605,525 | $52,000 |
| Mercer | $314,827 | $403,125 | $487,250 | $605,525 | $125,000 |
| Miami | $314,827 | $403,125 | $487,250 | $605,525 | $168,000 |
| Monroe | $314,827 | $403,125 | $487,250 | $605,525 | $70,000 |
| Montgomery | $314,827 | $403,125 | $487,250 | $605,525 | $168,000 |
| Morgan | $314,827 | $403,125 | $487,250 | $605,525 | $50,000 |
| Morrow | $356,500 | $456,350 | $551,650 | $685,550 | $310,000 |
| Muskingum | $314,827 | $403,125 | $487,250 | $605,525 | $98,000 |
| Noble | $314,827 | $403,125 | $487,250 | $605,525 | $79,000 |
| Ottawa | $314,827 | $403,125 | $487,250 | $605,525 | $139,000 |
| Paulding | $314,827 | $403,125 | $487,250 | $605,525 | $75,000 |
| Perry | $356,500 | $456,350 | $551,650 | $685,550 | $310,000 |
| Pickaway | $356,500 | $456,350 | $551,650 | $685,550 | $310,000 |
| Pike | $314,827 | $403,125 | $487,250 | $605,525 | $75,000 |
| Portage | $314,827 | $403,125 | $487,250 | $605,525 | $150,000 |
| Preble | $314,827 | $403,125 | $487,250 | $605,525 | $99,000 |
| Putnam | $314,827 | $403,125 | $487,250 | $605,525 | $105,000 |
| Richland | $314,827 | $403,125 | $487,250 | $605,525 | $95,000 |
| Ross | $314,827 | $403,125 | $487,250 | $605,525 | $106,000 |
| Sandusky | $314,827 | $403,125 | $487,250 | $605,525 | $90,000 |
| Scioto | $314,827 | $403,125 | $487,250 | $605,525 | $65,000 |
| Seneca | $314,827 | $403,125 | $487,250 | $605,525 | $80,000 |
| Shelby | $314,827 | $403,125 | $487,250 | $605,525 | $122,000 |
| Stark | $314,827 | $403,125 | $487,250 | $605,525 | $119,000 |
| Summit | $314,827 | $403,125 | $487,250 | $605,525 | $150,000 |
| Trumbull | $314,827 | $403,125 | $487,250 | $605,525 | $88,000 |
| Tuscarawas | $314,827 | $403,125 | $487,250 | $605,525 | $110,000 |
| Union | $356,500 | $456,350 | $551,650 | $685,550 | $310,000 |
| Van Wert | $314,827 | $403,125 | $487,250 | $605,525 | $82,000 |
| Vinton | $314,827 | $403,125 | $487,250 | $605,525 | $47,000 |
| Warren | $314,827 | $403,125 | $487,250 | $605,525 | $229,000 |
| Washington | $314,827 | $403,125 | $487,250 | $605,525 | $106,000 |
| Wayne | $314,827 | $403,125 | $487,250 | $605,525 | $133,000 |
| Williams | $314,827 | $403,125 | $487,250 | $605,525 | $90,000 |
| Wood | $314,827 | $403,125 | $487,250 | $605,525 | $160,000 |
| Wyandot | $314,827 | $403,125 | $487,250 | $605,525 | $83,000 |
How are FHA loan limits determined?
The U.S. Department of Housing and Urban Development (HUD) sets FHA loan limits based on the conforming loan limit — or how large of a mortgage Fannie Mae and Freddie Mac will insure. In 2019, that limit is $484,350. The FHA’s “floor” is the largest mortgage the agency will issue in most of the country and is set at $314,827 for 2019.
The FHA “ceiling” applies to high-cost areas and is set at 150% of the conforming loan limit, or $726,525. Outside of a few exceptions, this is the highest mortgage the agency will insure for a single-family home. In other areas, loan limits fall somewhere between the FHA floor and ceiling.
Here are the 2019 standard FHA limits for all property types:
- One-unit: $314,827
- Two-unit: $403,125
- Three-unit: $487,250
- Four-unit: $605,525
Here are the 2019 standard FHA limits for high-cost areas:
- One-unit: $726,525
- Two-unit: $930,300
- Three-unit: $1,124,475
- Four-unit: $1,397,400
Do you qualify for an FHA loan in Ohio?
If you believe an FHA loan may be the best mortgage option for you, compare offers from several different lenders. Although FHA is a government-backed program, each individual lender sets their own interest rates and loan fees. To see loan limits in Ohio, go to the FHA loan limits page. Also visit LendingTree’s FHA loan guide for more information and to compare loan offers.
