FHA Loan Limits in Ohio (2026)
For 2026, the FHA loan limit in most Ohio counties is $541,287 for a single-family home. Ohio has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in Ohio
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Franklin County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cuyahoga County | $541,287 | $692,997 | $1,041,072 | Standard |
| Hamilton County | $541,287 | $692,997 | $1,041,072 | Standard |
| Montgomery County | $541,287 | $692,997 | $1,041,072 | Standard |
| Summit County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lucas County | $541,287 | $692,997 | $1,041,072 | Standard |
| Stark County | $541,287 | $692,997 | $1,041,072 | Standard |
| Butler County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lorain County | $541,287 | $692,997 | $1,041,072 | Standard |
| Mahoning County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lake County | $541,287 | $692,997 | $1,041,072 | Standard |
| Warren County | $541,287 | $692,997 | $1,041,072 | Standard |
| Clermont County | $541,287 | $692,997 | $1,041,072 | Standard |
| Delaware County | $541,287 | $692,997 | $1,041,072 | Standard |
| Trumbull County | $541,287 | $692,997 | $1,041,072 | Standard |
| Medina County | $541,287 | $692,997 | $1,041,072 | Standard |
| Licking County | $541,287 | $692,997 | $1,041,072 | Standard |
| Greene County | $541,287 | $692,997 | $1,041,072 | Standard |
| Fairfield County | $541,287 | $692,997 | $1,041,072 | Standard |
| Wood County | $541,287 | $692,997 | $1,041,072 | Standard |
| Portage County | $541,287 | $692,997 | $1,041,072 | Standard |
| Clark County | $541,287 | $692,997 | $1,041,072 | Standard |
| Geauga County | $541,287 | $692,997 | $1,041,072 | Standard |
| Allen County | $541,287 | $692,997 | $1,041,072 | Standard |
| Richland County | $541,287 | $692,997 | $1,041,072 | Standard |
| Wayne County | $541,287 | $692,997 | $1,041,072 | Standard |
| Columbiana County | $541,287 | $692,997 | $1,041,072 | Standard |
| Tuscarawas County | $541,287 | $692,997 | $1,041,072 | Standard |
| Miami County | $541,287 | $692,997 | $1,041,072 | Standard |
| Ashtabula County | $541,287 | $692,997 | $1,041,072 | Standard |
Buying with an FHA loan in Ohio
FHA loans are popular with first-time buyers in Ohio because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Ohio for 2026?
- Most Ohio counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in Ohio?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.