FHA Loan Limits in Licking County, Ohio (2026)
Buying in Licking County or elsewhere in Licking 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 Licking County, from Licking County outward, and sit alongside the limits set for neighboring Cuyahoga and Franklin Counties.
FHA affordability around Licking County
With Licking County's median sale price estimated near $195,000 (think Licking County), the FHA down payment is roughly $6,825. Factoring Ohio property taxes near 1.53%, expect about $1,630 monthly, pointing to income near $63,000 — under Ohio's $67,769 median household income.
FHA payment scenarios in Licking County
Here is what an FHA payment looks like at three Licking County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $140,000 | $4,900 | $1,203 |
| Local median — $195,000 | $6,825 | $1,630 |
| At the FHA limit — $541,287 | $18,945 | $4,319 |
Estimates include FHA MIP plus Ohio property taxes and insurance. Rates move daily near Licking County too — get notified.
In Licking County and the surrounding Licking County market, FHA's appeal is the math: $6,825 down on a $195,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Licking County
Looking at a duplex or fourplex near Licking County? FHA allows up to $692,997 on two units and $1,041,072 on four in Licking 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 Licking County for 2026?
- In Licking County (Licking 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 Licking County with FHA?
- For a median-priced ($195,000) Licking County home, plan on income around $63,000 at a 31% housing ratio — about $1,630/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Licking County?
- 3.5% with a 580+ score — roughly $6,825 on a $195,000 Licking County-area home. Gift funds are allowed.
- Is Licking County a high-cost FHA area?
- No — Licking County uses the $541,287 national floor for one unit.