FHA Loan Limits in Medina County, Ohio (2026)
Medina County and the rest of Medina 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 |
From Medina County to the edges of Medina County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Cuyahoga and Franklin Counties.
How much home can you afford in Medina County?
Homes around Medina County carry an estimated local median near $198,000, so an FHA buyer in Medina County puts down about $6,930 (3.5%). With Ohio's 1.53% effective property-tax rate, the all-in payment runs near $1,654 a month — comfortable on household income around $64,000, under Ohio's $67,769 median household income.
FHA payment scenarios in Medina County
Whether you are buying in Medina County or a smaller Medina 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 — $143,000 | $5,005 | $1,227 |
| Local median — $198,000 | $6,930 | $1,654 |
| At the FHA limit — $541,287 | $18,945 | $4,319 |
Estimates include FHA MIP plus Ohio property taxes and insurance. Rates move daily near Medina County too — get notified.
First-time buyers make up much of FHA activity in Medina County and across Medina County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $6,930 needed on a median Medina County home.
Multi-unit FHA limits in Medina County
Investors and house-hackers in Medina County and across Medina 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 Medina County for 2026?
- In Medina County (Medina 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 Medina County with FHA?
- For a median-priced ($198,000) Medina County home, plan on income around $64,000 at a 31% housing ratio — about $1,654/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Medina County?
- 3.5% with a 580+ score — roughly $6,930 on a $198,000 Medina County-area home. Gift funds are allowed.
- Is Medina County a high-cost FHA area?
- No — Medina County uses the $541,287 national floor for one unit.