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2026 conforming loan limit: Ottawa County, OH

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Ottawa County, Ohio has a 2026 one-unit conforming loan limit of $832,750, which is 3.8 times the county's median home value of $219,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $76,101 (FHFA; Census ACS 2020–2024).

✓ FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024

Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024

ItemValue
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)$219,900
Ohio median home value$214,800
Limit ÷ median home value3.79×
Median household income$76,101
Median home value ÷ income2.9×
Population39,994
Median property tax paid (owners)$2,378
Effective property tax rate (approx.)1.08%
Owner-occupied homes83.6%
Home value rank in Ohio23 of 88 counties
Neighbor: Erie County, OHlimit $832,750; median home $199,700
Neighbor: Lucas County, OHlimit $832,750; median home $163,900
Neighbor: Sandusky County, OHlimit $832,750; median home $160,700
Neighbor: Wood County, OHlimit $832,750; median home $227,600

Across Ohio's 88 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Ottawa County's median home value is 2% above the state median of $214,800 (rank 23 of 88). Among its 4 neighboring counties, Wood County has the highest median home value ($227,600) and Sandusky County the lowest ($160,700); all share the same loan limit. Owners pay a median $2,378 a year in property tax, an effective rate of about 1.08% 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.

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Last updated Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.

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