FHA Loan Limits in Columbiana County, Ohio (2026)
Buying in Columbiana County or elsewhere in Columbiana County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of the Midwest.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
These 2026 limits apply throughout Columbiana County, from Columbiana County outward, and sit alongside the limits set for neighboring Cuyahoga and Franklin Counties.
FHA affordability around Columbiana County
With Columbiana County's median sale price estimated near $193,000 (think Columbiana County), the FHA down payment is roughly $6,755. Factoring Ohio property taxes near 1.53%, expect about $1,615 monthly, pointing to income near $63,000 — under Ohio's $67,769 median household income.
FHA payment scenarios in Columbiana County
FHA payments across Columbiana County price points — from entry homes near Columbiana County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $139,000 | $4,865 | $1,196 |
| Local median — $193,000 | $6,755 | $1,615 |
| At the FHA limit — $541,287 | $18,945 | $4,319 |
Estimates include FHA MIP plus Ohio property taxes and insurance. Rates move daily near Columbiana County too — get notified.
In Columbiana County and the surrounding Columbiana County market, FHA's appeal is the math: $6,755 down on a $193,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Columbiana County
Columbiana County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Columbiana County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Columbiana County for 2026?
- In Columbiana County (Columbiana County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Columbiana County with FHA?
- For a median-priced ($193,000) Columbiana County home, plan on income around $63,000 at a 31% housing ratio — about $1,615/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Columbiana County?
- 3.5% with a 580+ score — roughly $6,755 on a $193,000 Columbiana County-area home. Gift funds are allowed.
- Is Columbiana County a high-cost FHA area?
- No — Columbiana County uses the $541,287 national floor for one unit.