FHA Loan Limits in Richland County, Ohio (2026)
In Richland County — anchored by Richland 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 |
Every community in Richland County — Richland County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Cuyahoga and Franklin Counties.
Affording a home in Richland County & Richland County
Homes around Richland County carry an estimated local median near $195,000, so an FHA buyer in Richland County puts down about $6,825 (3.5%). With Ohio's 1.53% effective property-tax rate, the all-in payment runs near $1,630 a month — comfortable on household income around $63,000, under Ohio's $67,769 median household income.
FHA payment scenarios in Richland County
Here is what an FHA payment looks like at three Richland 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 Richland County too — get notified.
Buyers across Richland County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $6,825 down payment near Richland County into little out of pocket.
Multi-unit FHA limits in Richland County
Looking at a duplex or fourplex near Richland County? FHA allows up to $692,997 on two units and $1,041,072 on four in Richland 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 Richland County for 2026?
- In Richland County (Richland 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 Richland County with FHA?
- For a median-priced ($195,000) Richland 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 Richland County?
- 3.5% with a 580+ score — roughly $6,825 on a $195,000 Richland County-area home. Gift funds are allowed.
- Is Richland County a high-cost FHA area?
- No — Richland County uses the $541,287 national floor for one unit.