FHA Loan Limits in Summit County, Ohio (2026)
Buying in Summit County or elsewhere in Summit 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 |
From Summit County to the edges of Summit County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Cuyahoga and Franklin Counties.
FHA affordability around Summit County
An FHA buyer near Summit County faces an estimated $200,000 median, a $7,000 down payment, and — after Ohio's 1.53% property tax — a monthly cost around $1,669. That suits household income of roughly $65,000, under Ohio's $67,769 median household income.
FHA payment scenarios in Summit County
FHA payments across Summit County price points — from entry homes near Summit County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $144,000 | $5,040 | $1,235 |
| Local median — $200,000 | $7,000 | $1,669 |
| At the FHA limit — $541,287 | $18,945 | $4,319 |
Estimates include FHA MIP plus Ohio property taxes and insurance. Rates move daily near Summit County too — get notified.
First-time buyers make up much of FHA activity in Summit County and across Summit County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $7,000 needed on a median Summit County home.
Multi-unit FHA limits in Summit County
Summit County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Summit County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Summit County for 2026?
- In Summit County (Summit 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 Summit County with FHA?
- For a median-priced ($200,000) Summit County home, plan on income around $65,000 at a 31% housing ratio — about $1,669/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Summit County?
- 3.5% with a 580+ score — roughly $7,000 on a $200,000 Summit County-area home. Gift funds are allowed.
- Is Summit County a high-cost FHA area?
- No — Summit County uses the $541,287 national floor for one unit.