FHA Loan Limits in Stark County, Ohio (2026)
Buying in Stark County or elsewhere in Stark County? The 2026 FHA single-family limit across the county 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 Stark County — Stark County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Cuyahoga and Franklin Counties.
FHA affordability around Stark County
An FHA buyer near Stark County faces an estimated $207,000 median, a $7,245 down payment, and — after Ohio's 1.53% property tax — a monthly cost around $1,724. That suits household income of roughly $67,000, under Ohio's $67,769 median household income.
FHA payment scenarios in Stark County
Here is what an FHA payment looks like at three Stark County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $149,000 | $5,215 | $1,273 |
| Local median — $207,000 | $7,245 | $1,724 |
| At the FHA limit — $541,287 | $18,945 | $4,319 |
Estimates include FHA MIP plus Ohio property taxes and insurance. Rates move daily near Stark County too — get notified.
Buyers across Stark County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $7,245 down payment near Stark County into little out of pocket.
Multi-unit FHA limits in Stark County
Looking at a duplex or fourplex near Stark County? FHA allows up to $692,997 on two units and $1,041,072 on four in Stark 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 Stark County for 2026?
- In Stark County (Stark 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 Stark County with FHA?
- For a median-priced ($207,000) Stark County home, plan on income around $67,000 at a 31% housing ratio — about $1,724/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Stark County?
- 3.5% with a 580+ score — roughly $7,245 on a $207,000 Stark County-area home. Gift funds are allowed.
- Is Stark County a high-cost FHA area?
- No — Stark County uses the $541,287 national floor for one unit.