FHA Loan Limits in Mahoning County, Ohio (2026)
In Mahoning County — anchored by Mahoning County — the 2026 FHA loan limit for a single-family home 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 Mahoning County, from Mahoning County outward, and sit alongside the limits set for neighboring Cuyahoga and Franklin Counties.
Affording a home in Mahoning County & Mahoning County
Homes around Mahoning County carry an estimated local median near $267,000, so an FHA buyer in Mahoning County puts down about $9,345 (3.5%). With Ohio's 1.53% effective property-tax rate, the all-in payment runs near $2,189 a month — comfortable on household income around $85,000, above Ohio's $67,769 median household income, so budget carefully.
FHA payment scenarios in Mahoning County
Whether you are buying in Mahoning County or a smaller Mahoning County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $192,000 | $6,720 | $1,607 |
| Local median — $267,000 | $9,345 | $2,189 |
| At the FHA limit — $541,287 | $18,945 | $4,319 |
Estimates include FHA MIP plus Ohio property taxes and insurance. Rates move daily near Mahoning County too — get notified.
In Mahoning County and the surrounding Mahoning County market, FHA's appeal is the math: $9,345 down on a $267,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Mahoning County
Investors and house-hackers in Mahoning County and across Mahoning County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Mahoning County for 2026?
- In Mahoning County (Mahoning 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 Mahoning County with FHA?
- For a median-priced ($267,000) Mahoning County home, plan on income around $85,000 at a 31% housing ratio — about $2,189/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Mahoning County?
- 3.5% with a 580+ score — roughly $9,345 on a $267,000 Mahoning County-area home. Gift funds are allowed.
- Is Mahoning County a high-cost FHA area?
- No — Mahoning County uses the $541,287 national floor for one unit.