FHA Loan Limits in Fairfield County, Ohio (2026)
From Fairfield County, FHA buyers in Fairfield County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Fairfield County, from Fairfield County outward, and sit alongside the limits set for neighboring Cuyahoga and Franklin Counties.
What can you buy with FHA in Fairfield County?
An FHA buyer near Fairfield County faces an estimated $242,000 median, a $8,470 down payment, and — after Ohio's 1.53% property tax — a monthly cost around $1,995. That suits household income of roughly $77,000, above Ohio's $67,769 median household income, so budget carefully.
FHA payment scenarios in Fairfield County
Here is what an FHA payment looks like at three Fairfield County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $174,000 | $6,090 | $1,467 |
| Local median — $242,000 | $8,470 | $1,995 |
| At the FHA limit — $541,287 | $18,945 | $4,319 |
Estimates include FHA MIP plus Ohio property taxes and insurance. Rates move daily near Fairfield County too — get notified.
In Fairfield County and the surrounding Fairfield County market, FHA's appeal is the math: $8,470 down on a $242,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Fairfield County
Looking at a duplex or fourplex near Fairfield County? FHA allows up to $692,997 on two units and $1,041,072 on four in Fairfield County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Fairfield County for 2026?
- In Fairfield County (Fairfield 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 Fairfield County with FHA?
- For a median-priced ($242,000) Fairfield County home, plan on income around $77,000 at a 31% housing ratio — about $1,995/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Fairfield County?
- 3.5% with a 580+ score — roughly $8,470 on a $242,000 Fairfield County-area home. Gift funds are allowed.
- Is Fairfield County a high-cost FHA area?
- No — Fairfield County uses the $541,287 national floor for one unit.