FHA Loan Limits in Portage County, Ohio (2026)
From Portage County, FHA buyers in Portage 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 Portage County, from Portage County outward, and sit alongside the limits set for neighboring Cuyahoga and Franklin Counties.
What can you buy with FHA in Portage County?
With Portage County's median sale price estimated near $265,000 (think Portage County), the FHA down payment is roughly $9,275. Factoring Ohio property taxes near 1.53%, expect about $2,174 monthly, pointing to income near $84,000 — above Ohio's $67,769 median household income, so budget carefully.
FHA payment scenarios in Portage County
Here is what an FHA payment looks like at three Portage County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $191,000 | $6,685 | $1,599 |
| Local median — $265,000 | $9,275 | $2,174 |
| At the FHA limit — $541,287 | $18,945 | $4,319 |
Estimates include FHA MIP plus Ohio property taxes and insurance. Rates move daily near Portage County too — get notified.
In Portage County and the surrounding Portage County market, FHA's appeal is the math: $9,275 down on a $265,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Portage County
Looking at a duplex or fourplex near Portage County? FHA allows up to $692,997 on two units and $1,041,072 on four in Portage 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 Portage County for 2026?
- In Portage County (Portage 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 Portage County with FHA?
- For a median-priced ($265,000) Portage County home, plan on income around $84,000 at a 31% housing ratio — about $2,174/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Portage County?
- 3.5% with a 580+ score — roughly $9,275 on a $265,000 Portage County-area home. Gift funds are allowed.
- Is Portage County a high-cost FHA area?
- No — Portage County uses the $541,287 national floor for one unit.