Montgomery County, Ohio has a 2026 one-unit conforming loan limit of $832,750, which is 4.6 times the county's median home value of $180,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $66,139 (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) | $180,900 |
| Ohio median home value | $214,800 |
| Limit ÷ median home value | 4.60× |
| Median household income | $66,139 |
| Median home value ÷ income | 2.7× |
| Population | 536,096 |
| Median property tax paid (owners) | $3,127 |
| Effective property tax rate (approx.) | 1.73% |
| Owner-occupied homes | 62.5% |
| Home value rank in Ohio | 47 of 88 counties |
| Neighbor: Butler County, OH | limit $832,750; median home $258,500 |
| Neighbor: Clark County, OH | limit $832,750; median home $169,900 |
| Neighbor: Darke County, OH | limit $832,750; median home $173,200 |
| Neighbor: Greene County, OH | limit $832,750; median home $252,200 |
| Neighbor: Miami County, OH | limit $832,750; median home $229,100 |
| Neighbor: Preble County, OH | limit $832,750; median home $180,900 |
| Neighbor: Warren County, OH | limit $832,750; median home $349,400 |
Across Ohio's 88 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Montgomery County's median home value is 16% below the state median of $214,800 (rank 47 of 88). Among its 7 neighboring counties, Warren County has the highest median home value ($349,400) and Clark County the lowest ($169,900); all share the same loan limit. Owners pay a median $3,127 a year in property tax, an effective rate of about 1.73% 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.
Related
- 2026 conforming loan limit: Montgomery County, MS
- 2026 conforming loan limit: Montgomery County, NC
- 2026 conforming loan limit: Montgomery County, NY
- 2026 conforming loan limit: Montgomery County, PA
- 2026 conforming loan limit: Montgomery County, TN
- 2026 conforming loan limit: Montgomery County, TX
- 2026 conforming loan limit: Montgomery County, VA
- 2026 conforming loan limit: Montmorency County, MI
Last updated 2026-10-16. Data only, not financial or tax advice.