Erie County, Ohio has a 2026 one-unit conforming loan limit of $832,750, which is 4.2 times the county's median home value of $199,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $71,993 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $199,700 |
| Ohio median home value | $214,800 |
| Limit ÷ median home value | 4.17× |
| Median household income | $71,993 |
| Median home value ÷ income | 2.8× |
| Population | 74,581 |
| Median property tax paid (owners) | $2,428 |
| Effective property tax rate (approx.) | 1.22% |
| Owner-occupied homes | 71.9% |
| Home value rank in Ohio | 33 of 88 counties |
| Neighbor: Huron County, OH | limit $832,750; median home $166,000 |
| Neighbor: Lorain County, OH | limit $832,750; median home $223,200 |
| Neighbor: Ottawa County, OH | limit $832,750; median home $219,900 |
| Neighbor: Sandusky County, OH | limit $832,750; median home $160,700 |
Across Ohio's 88 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Erie County's median home value is 7% below the state median of $214,800 (rank 33 of 88). Among its 4 neighboring counties, Lorain County has the highest median home value ($223,200) and Sandusky County the lowest ($160,700); all share the same loan limit. Owners pay a median $2,428 a year in property tax, an effective rate of about 1.22% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Frequently asked questions
What is the conforming loan limit in Erie County, Ohio?
Erie County, Ohio has a 2026 one-unit conforming loan limit of $832,750, which is 4.2 times the county's median home value of $199,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $71,993 (FHFA; Census ACS 2020–2024).
What is the median home value in Erie County, Ohio?
The median owner-occupied home value in Erie County is $199,700 (ACS 2020–2024), versus $214,800 statewide.
Do I need a jumbo loan in Erie County?
Only if your loan amount exceeds $832,750 for a one-unit home; the county median home value is $199,700, so the cap is 4.17 times the typical home value.
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Last updated Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.
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