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USDA loans in Ohio

Quick answer

USDA loans in Ohio offer 0% down for moderate-income buyers purchasing in eligible rural and suburban areas, with a 1% upfront and 0.35% annual fee.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast updated

USDA loan snapshot for Ohio

ItemEstimate
Minimum down payment0%
Minimum credit scoreTypically 640 for automated approval
Typical OH home value$199,200
3.5% down on typical home$6,972
20% down on typical home$39,840
Avg. effective property tax1.36%/yr (~$226/mo)
Income for typical home (31% rule)$65,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Ohio programs pair with USDA loans?

  • Your Choice! Down Payment Assistance: Forgivable assistance worth a percentage of the purchase price.
  • Ohio Heroes: A reduced rate for veterans, active military, first responders, teachers and healthcare workers.

Details and current limits: Ohio Housing Finance Agency (OHFA).

How do I know if a home is USDA eligible?

Use the USDA eligibility map on the Rural Development website. Areas outside major cities — including many fast-growing suburbs and small towns — often qualify. Eligibility is reviewed periodically, so check the specific address.

USDA income limits

Income limits are based on the county and household size, and they count income from all adult household members, not just borrowers. Many areas allow roughly $110,000–$150,000+ for a household of 1–4 people.

USDA loans in Ohio cities

ColumbusClevelandCincinnatiToledoAkronDaytonParmaCantonLorainHamiltonYoungstownSpringfieldKetteringElyriaCuyahoga FallsMiddletownNewarkLakewoodDublinEuclidMansfieldMentorBeavercreekStrongsvilleCleveland HeightsFairfieldHuber HeightsDelawareGrove CityReynoldsburgLancasterFindlayWarrenWestervilleHilliardUpper ArlingtonNorth RidgevilleMarionGahannaLimaBrunswickMasonFairbornStowWestlakeMassillonNorth OlmstedNorth RoyaltonAustintownBowling GreenGarfield HeightsShaker HeightsGreenKentWoosterTroyMarysvilleMedinaXeniaAvon LakeAvonPerrysburgBarbertonCentervilleSanduskyZanesvilleRiversideWadsworthSolonWilloughbyPickeringtonMaple HeightsAthensTrotwoodHudsonOxfordChillicotheSouth EuclidAllianceRocky RiverLebanonParma HeightsPiquaSidneyPainesvilleMayfield HeightsForest ParkWhitehallMiamisburgOregonBroadview HeightsSpringboroTwinsburgSylvaniaNorwoodAshlandWhite OakTallmadgeBrook ParkBereaNilesSteubenvillePataskalaAshtabulaPortsmouthTiffinNorth CantonNew PhiladelphiaEastlakeStreetsboroAuroraNorwalkFairview ParkDefianceMount VernonBay VillageFremontMiddleburg HeightsVandaliaMonroeWorthingtonWashington Court HousePowellWillowickCirclevilleBellefontaineSharonvilleLyndhurstBeachwoodBridgetownNew FranklinMaumeeEast ClevelandBrecksvilleWarrensville HeightsUniversity HeightsHarrisonEnglewoodBlue AshBexleyTrentonMariettaLovelandClaytonDoverWest CarrolltonBedfordAmherstGreenvilleFostoriaWickliffeWilmingtonAmeliaConneautMonfort HeightsMacedoniaDentFinneytownSalemFranklinSeven HillsBucyrusNortonMackRavennaForestvilleBrooklynUrbanaCoshoctonCelinaSpringdaleBedford HeightsMontgomeryShilohNorthbrookVan WertRichmond HeightsIrontonHeathNew AlbanyReadingVermilionLondonGalionTipp CityCambridge

Frequently asked questions

Only in USDA-eligible areas. Many rural and suburban parts of Ohio qualify; check a specific address on the USDA eligibility map.

Often yes. Ohio Housing Finance Agency (OHFA) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.