FHA Loan Limits in Lucas County, Ohio (2026)
Lucas County and the rest of Lucas County, Ohio fall under a 2026 one-unit FHA limit of $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 Lucas County, from Lucas County outward, and sit alongside the limits set for neighboring Cuyahoga and Franklin Counties.
How much home can you afford in Lucas County?
Homes around Lucas County carry an estimated local median near $160,000, so an FHA buyer in Lucas County puts down about $5,600 (3.5%). With Ohio's 1.53% effective property-tax rate, the all-in payment runs near $1,359 a month — comfortable on household income around $53,000, under Ohio's $67,769 median household income.
FHA payment scenarios in Lucas County
FHA payments across Lucas County price points — from entry homes near Lucas County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $115,000 | $4,025 | $1,009 |
| Local median — $160,000 | $5,600 | $1,359 |
| At the FHA limit — $541,287 | $18,945 | $4,319 |
Estimates include FHA MIP plus Ohio property taxes and insurance. Rates move daily near Lucas County too — get notified.
In Lucas County and the surrounding Lucas County market, FHA's appeal is the math: $5,600 down on a $160,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Lucas County
Lucas County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Lucas 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 Lucas County for 2026?
- In Lucas County (Lucas 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 Lucas County with FHA?
- For a median-priced ($160,000) Lucas County home, plan on income around $53,000 at a 31% housing ratio — about $1,359/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Lucas County?
- 3.5% with a 580+ score — roughly $5,600 on a $160,000 Lucas County-area home. Gift funds are allowed.
- Is Lucas County a high-cost FHA area?
- No — Lucas County uses the $541,287 national floor for one unit.