FHA Loan Limits in Warren County, Ohio (2026)
In Warren County — anchored by Warren 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 Warren County — Warren County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Cuyahoga and Franklin Counties.
Affording a home in Warren County & Warren County
With Warren County's median sale price estimated near $218,000 (think Warren County), the FHA down payment is roughly $7,630. Factoring Ohio property taxes near 1.53%, expect about $1,809 monthly, pointing to income near $70,000 — above Ohio's $67,769 median household income, so budget carefully.
FHA payment scenarios in Warren County
FHA payments across Warren County price points — from entry homes near Warren County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $157,000 | $5,495 | $1,335 |
| Local median — $218,000 | $7,630 | $1,809 |
| At the FHA limit — $541,287 | $18,945 | $4,319 |
Estimates include FHA MIP plus Ohio property taxes and insurance. Rates move daily near Warren County too — get notified.
Buyers across Warren County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $7,630 down payment near Warren County into little out of pocket.
Multi-unit FHA limits in Warren County
Warren County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Warren 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 Warren County for 2026?
- In Warren County (Warren 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 Warren County with FHA?
- For a median-priced ($218,000) Warren County home, plan on income around $70,000 at a 31% housing ratio — about $1,809/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Warren County?
- 3.5% with a 580+ score — roughly $7,630 on a $218,000 Warren County-area home. Gift funds are allowed.
- Is Warren County a high-cost FHA area?
- No — Warren County uses the $541,287 national floor for one unit.