What are the loan limits in each Ohio county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Adams County | $832,750 | $541,287 | $693,050 | $157,500 |
| Allen County | $832,750 | $541,287 | $693,050 | $158,400 |
| Ashland County | $832,750 | $541,287 | $693,050 | $175,900 |
| Ashtabula County | $832,750 | $541,287 | $693,050 | $149,600 |
| Athens County | $832,750 | $541,287 | $693,050 | $173,800 |
| Auglaize County | $832,750 | $541,287 | $693,050 | $182,000 |
| Belmont County | $832,750 | $541,287 | $693,050 | $143,000 |
| Brown County | $832,750 | $541,287 | $693,050 | $181,100 |
| Butler County | $832,750 | $541,287 | $693,050 | $243,000 |
| Carroll County | $832,750 | $541,287 | $693,050 | $174,500 |
| Champaign County | $832,750 | $541,287 | $693,050 | $186,300 |
| Clark County | $832,750 | $541,287 | $693,050 | $155,900 |
| Clermont County | $832,750 | $541,287 | $693,050 | $245,600 |
| Clinton County | $832,750 | $541,287 | $693,050 | $192,800 |
| Columbiana County | $832,750 | $541,287 | $693,050 | $139,100 |
| Coshocton County | $832,750 | $541,287 | $693,050 | $142,300 |
| Crawford County | $832,750 | $541,287 | $693,050 | $123,600 |
| Cuyahoga County | $832,750 | $541,287 | $693,050 | $183,200 |
| Darke County | $832,750 | $541,287 | $693,050 | $169,100 |
| Defiance County | $832,750 | $541,287 | $693,050 | $150,900 |
| Delaware County | $832,750 | $591,100 | $756,700 | $419,500 |
| Erie County | $832,750 | $541,287 | $693,050 | $183,900 |
| Fairfield County | $832,750 | $591,100 | $756,700 | $272,200 |
| Fayette County | $832,750 | $541,287 | $693,050 | $162,200 |
| Franklin County | $832,750 | $591,100 | $756,700 | $265,700 |
| Fulton County | $832,750 | $541,287 | $693,050 | $176,000 |
| Gallia County | $832,750 | $541,287 | $693,050 | $135,000 |
| Geauga County | $832,750 | $541,287 | $693,050 | $305,100 |
| Greene County | $832,750 | $541,287 | $693,050 | $238,000 |
| Guernsey County | $832,750 | $541,287 | $693,050 | $154,100 |
| Hamilton County | $832,750 | $541,287 | $693,050 | $225,700 |
| Hancock County | $832,750 | $541,287 | $693,050 | $196,500 |
| Hardin County | $832,750 | $541,287 | $693,050 | $134,800 |
| Harrison County | $832,750 | $541,287 | $693,050 | $118,000 |
| Henry County | $832,750 | $541,287 | $693,050 | $166,000 |
| Highland County | $832,750 | $541,287 | $693,050 | $157,000 |
| Hocking County | $832,750 | $591,100 | $756,700 | $172,300 |
| Holmes County | $832,750 | $541,287 | $693,050 | $251,800 |
| Huron County | $832,750 | $541,287 | $693,050 | $158,900 |
| Jackson County | $832,750 | $541,287 | $693,050 | $140,400 |
| Jefferson County | $832,750 | $541,287 | $693,050 | $120,600 |
| Knox County | $832,750 | $541,287 | $693,050 | $218,300 |
| Lake County | $832,750 | $541,287 | $693,050 | $199,900 |
| Lawrence County | $832,750 | $541,287 | $693,050 | $135,600 |
| Licking County | $832,750 | $591,100 | $756,700 | $250,700 |
| Logan County | $832,750 | $541,287 | $693,050 | $186,200 |
| Lorain County | $832,750 | $541,287 | $693,050 | $207,200 |
| Lucas County | $832,750 | $541,287 | $693,050 | $155,200 |
| Madison County | $832,750 | $591,100 | $756,700 | $231,400 |
| Mahoning County | $832,750 | $541,287 | $693,050 | $141,100 |
| Marion County | $832,750 | $541,287 | $693,050 | $146,200 |
| Medina County | $832,750 | $541,287 | $693,050 | $268,000 |
| Meigs County | $832,750 | $541,287 | $693,050 | $113,400 |
| Mercer County | $832,750 | $541,287 | $693,050 | $208,600 |
| Miami County | $832,750 | $541,287 | $693,050 | $209,200 |
| Monroe County | $832,750 | $541,287 | $693,050 | $132,000 |
| Montgomery County | $832,750 | $541,287 | $693,050 | $167,400 |
| Morgan County | $832,750 | $541,287 | $693,050 | $134,200 |
| Morrow County | $832,750 | $591,100 | $756,700 | $200,800 |
| Muskingum County | $832,750 | $541,287 | $693,050 | $170,100 |
| Noble County | $832,750 | $541,287 | $693,050 | $149,300 |
| Ottawa County | $832,750 | $541,287 | $693,050 | $200,700 |
| Paulding County | $832,750 | $541,287 | $693,050 | $126,800 |
| Perry County | $832,750 | $591,100 | $756,700 | $178,300 |
| Pickaway County | $832,750 | $591,100 | $756,700 | $235,700 |
| Pike County | $832,750 | $541,287 | $693,050 | $148,500 |
| Portage County | $832,750 | $541,287 | $693,050 | $210,500 |
| Preble County | $832,750 | $541,287 | $693,050 | $171,100 |
| Putnam County | $832,750 | $541,287 | $693,050 | $191,600 |
| Richland County | $832,750 | $541,287 | $693,050 | $154,000 |
| Ross County | $832,750 | $541,287 | $693,050 | $158,500 |
| Sandusky County | $832,750 | $541,287 | $693,050 | $152,500 |
| Scioto County | $832,750 | $541,287 | $693,050 | $132,300 |
| Seneca County | $832,750 | $541,287 | $693,050 | $136,200 |
| Shelby County | $832,750 | $541,287 | $693,050 | $190,300 |
| Stark County | $832,750 | $541,287 | $693,050 | $177,700 |
| Summit County | $832,750 | $541,287 | $693,050 | $195,700 |
| Trumbull County | $832,750 | $541,287 | $693,050 | $128,100 |
| Tuscarawas County | $832,750 | $541,287 | $693,050 | $176,800 |
| Union County | $832,750 | $591,100 | $756,700 | $306,600 |
| Van Wert County | $832,750 | $541,287 | $693,050 | $137,300 |
| Vinton County | $832,750 | $541,287 | $693,050 | $131,700 |
| Warren County | $832,750 | $541,287 | $693,050 | $319,700 |
| Washington County | $832,750 | $541,287 | $693,050 | $174,100 |
| Wayne County | $832,750 | $541,287 | $693,050 | $204,600 |
| Williams County | $832,750 | $541,287 | $693,050 | $140,000 |
| Wood County | $832,750 | $541,287 | $693,050 | $214,400 |
| Wyandot County | $832,750 | $541,287 | $693,050 | $159,500 |
Which Ohio counties are high-cost areas?
No Ohio county is above the national baseline, so the conforming limit is $832,750 statewide.
Largest cities in Ohio
Frequently asked questions
FHA one-unit limits in Ohio start at $541,287. In Franklin County, the most populous county, it's $591,100.
The 2026 one-unit conforming limit in Franklin County is $832,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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