Highest FHA limit in Ohio
$591,100
In 2026, FHA one-unit limits in Ohio range from $541,287 to $591,100 (Delaware County). 78 of 88 counties use the national floor.
78 of 88counties at the $541,287 floor
All Ohio counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Delaware County | $591,100 | $756,700 | $1,136,750 | $832,750 |
| Fairfield County | $591,100 | $756,700 | $1,136,750 | $832,750 |
| Franklin County | $591,100 | $756,700 | $1,136,750 | $832,750 |
| Hocking County | $591,100 | $756,700 | $1,136,750 | $832,750 |
| Licking County | $591,100 | $756,700 | $1,136,750 | $832,750 |
| Madison County | $591,100 | $756,700 | $1,136,750 | $832,750 |
| Morrow County | $591,100 | $756,700 | $1,136,750 | $832,750 |
| Perry County | $591,100 | $756,700 | $1,136,750 | $832,750 |
| Pickaway County | $591,100 | $756,700 | $1,136,750 | $832,750 |
| Union County | $591,100 | $756,700 | $1,136,750 | $832,750 |
| Adams County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Allen County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ashland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ashtabula County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Athens County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Auglaize County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Belmont County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Brown County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Butler County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Carroll County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Champaign County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clark County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clermont County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clinton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Columbiana County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Coshocton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Crawford County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cuyahoga County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Darke County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Defiance County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Erie County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Fayette County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Fulton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Gallia County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Geauga County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Greene County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Guernsey County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hamilton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hancock County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hardin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Harrison County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Henry County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Highland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Holmes County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Huron County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jackson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jefferson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Knox County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lake County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lawrence County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Logan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lorain County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lucas County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mahoning County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Marion County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Medina County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Meigs County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mercer County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Miami County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Monroe County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Montgomery County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Morgan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Muskingum County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Noble County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ottawa County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Paulding County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pike County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Portage County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Preble County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Putnam County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Richland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ross County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sandusky County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Scioto County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Seneca County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Shelby County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Stark County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Summit County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Trumbull County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Tuscarawas County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Van Wert County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Vinton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Warren County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Washington County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wayne County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Williams County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wood County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wyandot County | $541,287 | $693,050 | $1,041,125 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in Ohio for 2026?
In 2026, FHA one-unit limits in Ohio range from $541,287 to $591,100 (Delaware County). 78 of 88 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.