Ohio loan limits 2026 by county
In 2026, every one of the 88 counties in Ohio has the $832,750 baseline conforming loan limit for a one-unit home. FHA limits run from $541,287 to $591,100: 10 counties are above the $541,287 national floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every Ohio county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Adams County | $832,750 | $541,287 | Non-Metro |
| Allen County | $832,750 | $541,287 | Lima, OH |
| Ashland County | $832,750 | $541,287 | Ashland, OH |
| Ashtabula County | $832,750 | $541,287 | Cleveland, OH |
| Athens County | $832,750 | $541,287 | Athens, OH |
| Auglaize County | $832,750 | $541,287 | Wapakoneta, OH |
| Belmont County | $832,750 | $541,287 | Wheeling, WV-OH |
| Brown County | $832,750 | $541,287 | Cincinnati, OH-KY-IN |
| Butler County | $832,750 | $541,287 | Cincinnati, OH-KY-IN |
| Carroll County | $832,750 | $541,287 | Canton-Massillon, OH |
| Champaign County | $832,750 | $541,287 | Urbana, OH |
| Clark County | $832,750 | $541,287 | Springfield, OH |
| Clermont County | $832,750 | $541,287 | Cincinnati, OH-KY-IN |
| Clinton County | $832,750 | $541,287 | Wilmington, OH |
| Columbiana County | $832,750 | $541,287 | Salem, OH |
| Coshocton County | $832,750 | $541,287 | Coshocton, OH |
| Crawford County | $832,750 | $541,287 | Bucyrus, OH |
| Cuyahoga County | $832,750 | $541,287 | Cleveland, OH |
| Darke County | $832,750 | $541,287 | Greenville, OH |
| Defiance County | $832,750 | $541,287 | Defiance, OH |
| Delaware County | $832,750 | $591,100 | Columbus, OH |
| Erie County | $832,750 | $541,287 | Sandusky, OH |
| Fairfield County | $832,750 | $591,100 | Columbus, OH |
| Fayette County | $832,750 | $541,287 | Washington Court House, OH |
| Franklin County | $832,750 | $591,100 | Columbus, OH |
| Fulton County | $832,750 | $541,287 | Toledo, OH |
| Gallia County | $832,750 | $541,287 | Gallipolis, OH |
| Geauga County | $832,750 | $541,287 | Cleveland, OH |
| Greene County | $832,750 | $541,287 | Dayton-Kettering-Beavercreek, OH |
| Guernsey County | $832,750 | $541,287 | Cambridge, OH |
| Hamilton County | $832,750 | $541,287 | Cincinnati, OH-KY-IN |
| Hancock County | $832,750 | $541,287 | Findlay, OH |
| Hardin County | $832,750 | $541,287 | Non-Metro |
| Harrison County | $832,750 | $541,287 | Non-Metro |
| Henry County | $832,750 | $541,287 | Non-Metro |
| Highland County | $832,750 | $541,287 | Non-Metro |
| Hocking County | $832,750 | $591,100 | Columbus, OH |
| Holmes County | $832,750 | $541,287 | Non-Metro |
| Huron County | $832,750 | $541,287 | Norwalk, OH |
| Jackson County | $832,750 | $541,287 | Non-Metro |
| Jefferson County | $832,750 | $541,287 | Weirton-Steubenville, WV-OH |
| Knox County | $832,750 | $541,287 | Mount Vernon, OH |
| Lake County | $832,750 | $541,287 | Cleveland, OH |
| Lawrence County | $832,750 | $541,287 | Huntington-Ashland, WV-KY-OH |
| Licking County | $832,750 | $591,100 | Columbus, OH |
| Logan County | $832,750 | $541,287 | Bellefontaine, OH |
| Lorain County | $832,750 | $541,287 | Cleveland, OH |
| Lucas County | $832,750 | $541,287 | Toledo, OH |
| Madison County | $832,750 | $591,100 | Columbus, OH |
| Mahoning County | $832,750 | $541,287 | Youngstown-Warren, OH |
| Marion County | $832,750 | $541,287 | Marion, OH |
| Medina County | $832,750 | $541,287 | Cleveland, OH |
| Meigs County | $832,750 | $541,287 | Non-Metro |
| Mercer County | $832,750 | $541,287 | Celina, OH |
| Miami County | $832,750 | $541,287 | Dayton-Kettering-Beavercreek, OH |
| Monroe County | $832,750 | $541,287 | Non-Metro |
| Montgomery County | $832,750 | $541,287 | Dayton-Kettering-Beavercreek, OH |
| Morgan County | $832,750 | $541,287 | Non-Metro |
| Morrow County | $832,750 | $591,100 | Columbus, OH |
| Muskingum County | $832,750 | $541,287 | Zanesville, OH |
| Noble County | $832,750 | $541,287 | Non-Metro |
| Ottawa County | $832,750 | $541,287 | Sandusky, OH |
| Paulding County | $832,750 | $541,287 | Non-Metro |
| Perry County | $832,750 | $591,100 | Columbus, OH |
| Pickaway County | $832,750 | $591,100 | Columbus, OH |
| Pike County | $832,750 | $541,287 | Non-Metro |
| Portage County | $832,750 | $541,287 | Akron, OH |
| Preble County | $832,750 | $541,287 | Non-Metro |
| Putnam County | $832,750 | $541,287 | Non-Metro |
| Richland County | $832,750 | $541,287 | Mansfield, OH |
| Ross County | $832,750 | $541,287 | Chillicothe, OH |
| Sandusky County | $832,750 | $541,287 | Fremont, OH |
| Scioto County | $832,750 | $541,287 | Portsmouth, OH |
| Seneca County | $832,750 | $541,287 | Tiffin, OH |
| Shelby County | $832,750 | $541,287 | Sidney, OH |
| Stark County | $832,750 | $541,287 | Canton-Massillon, OH |
| Summit County | $832,750 | $541,287 | Akron, OH |
| Trumbull County | $832,750 | $541,287 | Youngstown-Warren, OH |
| Tuscarawas County | $832,750 | $541,287 | New Philadelphia-Dover, OH |
| Union County | $832,750 | $591,100 | Columbus, OH |
| Van Wert County | $832,750 | $541,287 | Van Wert, OH |
| Vinton County | $832,750 | $541,287 | Non-Metro |
| Warren County | $832,750 | $541,287 | Cincinnati, OH-KY-IN |
| Washington County | $832,750 | $541,287 | Marietta, OH |
| Wayne County | $832,750 | $541,287 | Wooster, OH |
| Williams County | $832,750 | $541,287 | Non-Metro |
| Wood County | $832,750 | $541,287 | Toledo, OH |
| Wyandot County | $832,750 | $541,287 | Non-Metro |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
Highest FHA loan limits in Ohio
Delaware County ($591,100), Fairfield County ($591,100), Franklin County ($591,100), Hocking County ($591,100) and Licking County ($591,100). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in Ohio
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Ohio fair market rentsHUD Fair Market Rents for every Ohio county, studios to 4 bedrooms.
- Ohio property tax ratesEffective property tax rate for every Ohio county from survey data.
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Questions about Ohio loan limits
What are the FHA loan limits in Ohio for 2026?
$541,287 to $591,100 for a one-unit home, depending on the county. 10 counties are above the national floor of $541,287, led by Delaware County ($591,100), Fairfield County ($591,100) and Franklin County ($591,100); the rest are at the floor. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Ohio for 2026?
$832,750 for a one-unit home in every Ohio county, effective January 1, 2026 (FHFA).
What is the VA loan limit in Ohio?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 in Ohio for 2026: 25 percent of that limit minus the entitlement already used.
Which Ohio counties have the highest loan limits?
Conforming: every county is at the baseline. FHA: Delaware County at $591,100. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/ohio. Not lending advice.