Shelby County, Ohio has a 2026 one-unit conforming loan limit of $832,750, which is 4.0 times the county's median home value of $208,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $73,978 (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) | $208,100 |
| Ohio median home value | $214,800 |
| Limit ÷ median home value | 4.00× |
| Median household income | $73,978 |
| Median home value ÷ income | 2.8× |
| Population | 47,929 |
| Median property tax paid (owners) | $1,981 |
| Effective property tax rate (approx.) | 0.95% |
| Owner-occupied homes | 73.7% |
| Home value rank in Ohio | 28 of 88 counties |
| Neighbor: Auglaize County, OH | limit $832,750; median home $189,800 |
| Neighbor: Champaign County, OH | limit $832,750; median home $204,000 |
| Neighbor: Darke County, OH | limit $832,750; median home $173,200 |
| Neighbor: Logan County, OH | limit $832,750; median home $203,200 |
| Neighbor: Mercer County, OH | limit $832,750; median home $210,600 |
| Neighbor: Miami County, OH | limit $832,750; median home $229,100 |
Across Ohio's 88 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Shelby County's median home value is 3% below the state median of $214,800 (rank 28 of 88). Among its 6 neighboring counties, Miami County has the highest median home value ($229,100) and Darke County the lowest ($173,200); all share the same loan limit. Owners pay a median $1,981 a year in property tax, an effective rate of about 0.95% 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: Shelby County, IN
- 2026 conforming loan limit: Shelby County, KY
- 2026 conforming loan limit: Shelby County, MO
- 2026 conforming loan limit: Shelby County, TN
- 2026 conforming loan limit: Shelby County, TX
- 2026 conforming loan limit: Shenandoah County, VA
- 2026 conforming loan limit: Sherburne County, MN
- 2026 conforming loan limit: Sheridan County, KS
Last updated 2026-10-16. Data only, not financial or tax advice.