2026 FHA Loan Limits in Ohio by County

The Federal Housing Administration (FHA) determines the maximum loan amount borrowers can qualify for when seeking an FHA loan. These FHA loan limits can vary by county and are based on the median home prices in each county. FHA loan limits are adjusted annually based on housing market changes. In Ohio, FHA loan limits fall into two main categories:

• Standard Loan Limits. These limits apply to most counties in the state and serve as a baseline for FHA mortgages.
• High Cost Area Loan Limits. These limits are higher than the standard limits and apply to counties with significantly higher median home prices such as Delaware, Franklin, Hocking, Licking, Madison, Morrow, Pickaway and Union counties.

For a 1 unit home (single family) the limits in Ohio range from a standard limit of $541,287 up to a high cost limit of $591,100. FHA also has different loan limits based on the number of units in the home. Below are the 2026 FHA loan limits for 1- 4 unit properties in OH for each county.

County	1 Unit	2 Units	3 Units	4 Units
ADAMS, ALLEN, ASHLAND, ASHTABULA, ATHENS, AUGLAIZE, BELMONT, BROWN, BUTLER, CARROLL, CHAMPAIGN, CLARK, CLERMONT, CLINTON, COLUMBIANA, COSHOCTON, CRAWFORD, CUYAHOGA, DARKE, DEFIANCE, ERIE	$541,287	$693,050	$837,700	$1,041,125
FAYETTE, FULTON, GALLIA, GEAUGA, GREENE, GUERNSEY, HAMILTON, HANCOCK, HARDIN, HARRISON, HENRY, HIGHLAND, HOLMES, HURON, JACKSON, JEFFERSON, KNOX, LAKE, LAWRENCE, LOGAN, LORAIN, LUCAS	$541,287	$693,050	$837,700	$1,041,125
MAHONING, MARION, MEDINA, MEIGS, MERCER, MIAMI, MONROE, MONTGOMERY, MORGAN, MUSKINGUM, NOBLE, OTTAWA, PAULDING, PIKE, PORTAGE, PREBLE, PUTNAM, RICHLAND, ROSS, SANDUSKY, SCIOTO, SENECA	$541,287	$693,050	$837,700	$1,041,125
SHELBY, STARK, SUMMIT, TRUMBULL, TUSCARAWAS, VAN WERT, VINTON, WARREN, WASHINGTON, WAYNE, WILLIAMS, WOOD, WYANDOT	$541,287	$693,050	$837,700	$1,041,125
DELAWARE, FAIRFIELD, FRANKLIN, HOCKING, LICKING, MADISON, MORROW, PERRY, PICKAWAY, UNION	$591,100	$756,700	$914,700	$1,136,750

Look up 2026 loan limits for any US county

Use our calculator below to see exact 2026 FHA and conforming loan limits for any United States county.

2026 FHA loan limits in Ohio high cost counties

Ten of Ohio's 88 counties qualify for a higher FHA loan limit in 2026, all of them in the Columbus-Marion-Zanesville Metropolitan Statistical Area. The 2026 FHA limit in all ten counties is $591,100 for a one unit property, $49,813 above the state floor. Multi-unit limits go up to $756,700 (2 unit), $914,700 (3 unit), and $1,136,750 (4 unit). The remaining 78 Ohio counties, including the entire Cleveland and Cincinnati metros, carry the standard FHA floor limit of $541,287.

Columbus MSA FHA limits

The ten counties in the Columbus-Marion-Zanesville Metropolitan Statistical Area share the 2026 FHA tier at $591,100 for a one unit property: Franklin (Columbus, Worthington, Upper Arlington, Westerville, Gahanna, Whitehall, Reynoldsburg, Hilliard, Grove City, Bexley), Delaware (Powell, Lewis Center, Delaware, Sunbury), Fairfield (Lancaster, Pickerington, Baltimore), Hocking (Logan), Licking (Newark, Heath, Pataskala, Granville), Madison (London, West Jefferson), Morrow (Mount Gilead, Cardington), Perry (New Lexington, Somerset), Pickaway (Circleville, Ashville), and Union (Marysville, Plain City, Richwood). Multi-unit limits in all ten counties are $756,700 (2 unit), $914,700 (3 unit), and $1,136,750 (4 unit). Columbus is Ohio's fastest growing metro and the only major Ohio metro with a higher FHA tier above the state floor. Median home prices across the Columbus MSA have risen faster than other Ohio metros over the past decade, pushing the entire ten-county MSA into a dedicated FHA tier.

2026 FHA loan limits in Ohio floor counties

Seventy eight Ohio counties carry the standard FHA floor limit in 2026. The floor for a one unit property is $541,287, with multi-unit limits at $693,050 (2 unit), $837,700 (3 unit), and $1,041,125 (4 unit). These limits cover the entire Cleveland Metro, Cincinnati Metro, Dayton Metro, Toledo Metro, Akron-Canton corridor, Youngstown-Warren area, and all of rural Ohio.

Cleveland Metro FHA limits

Despite being Ohio's second largest metro by population the entire five county Cleveland-Elyria Metropolitan Statistical Area carries the FHA floor at $541,287 for a one unit property: Cuyahoga (Cleveland, Cleveland Heights, Shaker Heights, Beachwood, Westlake, Lakewood, Parma, Strongsville, Solon), Geauga (Chesterland, Chardon), Lake (Mentor, Willoughby, Painesville), Lorain (Lorain, Elyria, Avon, Avon Lake), and Medina (Medina, Brunswick, Wadsworth). Cleveland is Ohio's most active investor market for small-balance multifamily, with substantial duplex, triplex, and fourplex inventory across Cuyahoga County. The multi-unit FHA limits ($693,050 for duplex, $837,700 for triplex, $1,041,125 for fourplex) are particularly relevant for the active investor and house-hacker buyer pool in the metro.

Cincinnati Metro FHA limits

The Cincinnati Metropolitan Statistical Area on the Ohio side covers four counties at the FHA floor: Hamilton (Cincinnati, Norwood, Reading, Mariemont), Butler (Hamilton, Fairfield, Middletown, West Chester, Mason), Clermont (Milford, Loveland, Amelia), and Warren (Lebanon, Mason overflow, Springboro, Franklin). The Cincinnati metro has been one of Ohio's stronger rent-growth markets, which makes the multi-unit FHA limits useful for investors purchasing duplexes and triplexes in walkable Cincinnati neighborhoods like Northside, Walnut Hills, and Over-the-Rhine. The $541,287 one unit FHA limit covers nearly all Cincinnati MSA transactions outside the top end of Indian Hill, Hyde Park, and the highest-priced Mason and Loveland addresses.

Dayton, Toledo, Akron, and Ohio's secondary metros

Ohio's secondary metros all share the FHA floor at $541,287. The Dayton-Kettering MSA covers Montgomery (Dayton, Kettering, Huber Heights, Centerville, Beavercreek), Greene (Xenia, Beavercreek, Fairborn), Miami (Troy, Piqua, Tipp City), and Preble (Eaton). The Toledo MSA covers Lucas (Toledo, Maumee, Sylvania, Oregon), Wood (Bowling Green, Perrysburg, Rossford), Fulton, and Ottawa counties. The Akron MSA covers Summit (Akron, Cuyahoga Falls, Stow, Hudson, Tallmadge), Portage (Kent, Ravenna, Streetsboro), and Medina counties. The Youngstown-Warren MSA covers Mahoning (Youngstown, Boardman, Austintown), Trumbull (Warren, Niles, Howland), and Columbiana counties. The Canton-Massillon MSA covers Stark (Canton, Massillon, Alliance, North Canton, Louisville) and Carroll counties. Median home prices in each of these secondary metros stay below the FHA floor, leaving substantial room for FHA financing across the buyer pool.

Rural Ohio and Appalachian counties

The same $541,287 FHA floor applies in Ohio's rural counties across the southeastern Appalachian region (Athens, Belmont, Coshocton, Guernsey, Harrison, Jefferson, Meigs, Monroe, Morgan, Muskingum, Noble, Tuscarawas, Vinton, Washington), the rural western farming belt (Allen, Auglaize, Champaign, Darke, Defiance, Fulton, Hancock, Hardin, Henry, Logan, Mercer, Paulding, Putnam, Shelby, Van Wert, Williams, Wyandot), and the lake coast counties (Erie, Sandusky, Seneca). Median home prices in many of these counties are well under $200,000, leaving substantial room under the FHA cap for nearly all purchases.

What happens if your Ohio purchase exceeds the FHA loan limit?

If your purchase price requires a loan that exceeds the FHA limit for your Ohio county, FHA financing isn't an option for the full amount. Common alternatives include:

• Conventional conforming loan. The 2026 Ohio conforming loan limit is $832,750 statewide, meaning conventional financing reaches significantly further than FHA in every Ohio county. In the Columbus MSA, the conforming limit ($832,750) sits $241,650 above the higher FHA limit ($591,100), making conventional financing the better choice for many borrowers above the FHA threshold. Conventional loans require 3-5% minimum down for first time buyers with a 620+ credit score, or 20% down to avoid mortgage insurance. See our 2026 Ohio Conforming Loan Limits page for full conforming county details.
• Jumbo loan. If your purchase exceeds both FHA and conforming limits, jumbo financing is the next option. Jumbo requirements are typically stricter (700+ credit score, 10-20% down, lower DTI), but rates often price competitively with conforming for strong borrowers. Ohio's most active jumbo markets are in upper-end Columbus suburbs (Upper Arlington, Bexley, New Albany, parts of Delaware County), select Cleveland suburbs (Shaker Heights, Pepper Pike, Hunting Valley, Beachwood), and the highest-end Cincinnati neighborhoods (Indian Hill, Hyde Park).
• Larger down payment. Increasing your down payment can bring your loan amount within the FHA or conforming limit. In Cleveland, Cincinnati, Dayton, Toledo, and other floor counties where the FHA limit is $541,287, a larger down payment can keep FHA financing as an option on most Ohio purchases.

How to get pre-approved for a Ohio FHA loan

Getting pre-approved for a FHA mortgage is quick and easy with our Online Loan Application. After completing the application, you will receive instructions on how to upload your documents. For a list of documents you will need to upload, see our Pre-approval Document Checklist.

Ready to get started on your OH FHA loan?

Whether you're a first-time buyer, refinancing an existing FHA loan, or considering an FHA 203(k) renovation loan, Alpine Mortgage is ready to help. The next step depends on where you are in the process:

Or call (201) 488-8809 to speak with an Ohio FHA loan originator today.

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