Ohio Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 88 counties in Ohio. FHA limits in this state range from $541,287 to $541,287, while conforming limits range from $832,750 to $832,750.
2026 Loan Limits by County in Ohio
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Adams County | $541,287 | $832,750 | $164,200 |
| 2 | Allen County | $541,287 | $832,750 | $165,300 |
| 3 | Ashland County | $541,287 | $832,750 | $186,800 |
| 4 | Ashtabula County | $541,287 | $832,750 | $159,500 |
| 5 | Athens County | $541,287 | $832,750 | $185,000 |
| 6 | Auglaize County | $541,287 | $832,750 | $189,800 |
| 7 | Belmont County | $541,287 | $832,750 | $154,900 |
| 8 | Brown County | $541,287 | $832,750 | $196,200 |
| 9 | Butler County | $541,287 | $832,750 | $258,500 |
| 10 | Carroll County | $541,287 | $832,750 | $183,100 |
| 11 | Champaign County | $541,287 | $832,750 | $204,000 |
| 12 | Clark County | $541,287 | $832,750 | $169,900 |
| 13 | Clermont County | $541,287 | $832,750 | $266,200 |
| 14 | Clinton County | $541,287 | $832,750 | $211,900 |
| 15 | Columbiana County | $541,287 | $832,750 | $151,600 |
| 16 | Coshocton County | $541,287 | $832,750 | $155,500 |
| 17 | Crawford County | $541,287 | $832,750 | $136,700 |
| 18 | Cuyahoga County | $541,287 | $832,750 | $195,400 |
| 19 | Darke County | $541,287 | $832,750 | $173,200 |
| 20 | Defiance County | $541,287 | $832,750 | $163,200 |
| 21 | Delaware County | $541,287 | $832,750 | $445,500 |
| 22 | Erie County | $541,287 | $832,750 | $199,700 |
| 23 | Fairfield County | $541,287 | $832,750 | $298,800 |
| 24 | Fayette County | $541,287 | $832,750 | $170,700 |
| 25 | Franklin County | $541,287 | $832,750 | $288,400 |
| 26 | Fulton County | $541,287 | $832,750 | $191,000 |
| 27 | Gallia County | $541,287 | $832,750 | $155,600 |
| 28 | Geauga County | $541,287 | $832,750 | $331,100 |
| 29 | Greene County | $541,287 | $832,750 | $252,200 |
| 30 | Guernsey County | $541,287 | $832,750 | $157,700 |
| 31 | Hamilton County | $541,287 | $832,750 | $241,900 |
| 32 | Hancock County | $541,287 | $832,750 | $204,700 |
| 33 | Hardin County | $541,287 | $832,750 | $151,200 |
| 34 | Harrison County | $541,287 | $832,750 | $121,500 |
| 35 | Henry County | $541,287 | $832,750 | $168,600 |
| 36 | Highland County | $541,287 | $832,750 | $168,900 |
| 37 | Hocking County | $541,287 | $832,750 | $186,400 |
| 38 | Holmes County | $541,287 | $832,750 | $267,700 |
| 39 | Huron County | $541,287 | $832,750 | $166,000 |
| 40 | Jackson County | $541,287 | $832,750 | $150,700 |
| 41 | Jefferson County | $541,287 | $832,750 | $127,800 |
| 42 | Knox County | $541,287 | $832,750 | $239,400 |
| 43 | Lake County | $541,287 | $832,750 | $214,100 |
| 44 | Lawrence County | $541,287 | $832,750 | $144,000 |
| 45 | Licking County | $541,287 | $832,750 | $275,200 |
| 46 | Logan County | $541,287 | $832,750 | $203,200 |
| 47 | Lorain County | $541,287 | $832,750 | $223,200 |
| 48 | Lucas County | $541,287 | $832,750 | $163,900 |
| 49 | Madison County | $541,287 | $832,750 | $250,100 |
| 50 | Mahoning County | $541,287 | $832,750 | $154,700 |
| 51 | Marion County | $541,287 | $832,750 | $156,800 |
| 52 | Medina County | $541,287 | $832,750 | $287,000 |
| 53 | Meigs County | $541,287 | $832,750 | $119,300 |
| 54 | Mercer County | $541,287 | $832,750 | $210,600 |
| 55 | Miami County | $541,287 | $832,750 | $229,100 |
| 56 | Monroe County | $541,287 | $832,750 | $142,700 |
| 57 | Montgomery County | $541,287 | $832,750 | $180,900 |
| 58 | Morgan County | $541,287 | $832,750 | $150,900 |
| 59 | Morrow County | $541,287 | $832,750 | $222,300 |
| 60 | Muskingum County | $541,287 | $832,750 | $182,200 |
| 61 | Noble County | $541,287 | $832,750 | $163,600 |
| 62 | Ottawa County | $541,287 | $832,750 | $219,900 |
| 63 | Paulding County | $541,287 | $832,750 | $140,800 |
| 64 | Perry County | $541,287 | $832,750 | $191,100 |
| 65 | Pickaway County | $541,287 | $832,750 | $256,800 |
| 66 | Pike County | $541,287 | $832,750 | $163,800 |
| 67 | Portage County | $541,287 | $832,750 | $227,000 |
| 68 | Preble County | $541,287 | $832,750 | $180,900 |
| 69 | Putnam County | $541,287 | $832,750 | $201,100 |
| 70 | Richland County | $541,287 | $832,750 | $164,800 |
| 71 | Ross County | $541,287 | $832,750 | $171,500 |
| 72 | Sandusky County | $541,287 | $832,750 | $160,700 |
| 73 | Scioto County | $541,287 | $832,750 | $137,900 |
| 74 | Seneca County | $541,287 | $832,750 | $154,700 |
| 75 | Shelby County | $541,287 | $832,750 | $208,100 |
| 76 | Stark County | $541,287 | $832,750 | $186,400 |
| 77 | Summit County | $541,287 | $832,750 | $208,700 |
| 78 | Trumbull County | $541,287 | $832,750 | $141,800 |
| 79 | Tuscarawas County | $541,287 | $832,750 | $185,400 |
| 80 | Union County | $541,287 | $832,750 | $344,900 |
| 81 | Van Wert County | $541,287 | $832,750 | $152,000 |
| 82 | Vinton County | $541,287 | $832,750 | $150,000 |
| 83 | Warren County | $541,287 | $832,750 | $349,400 |
| 84 | Washington County | $541,287 | $832,750 | $185,600 |
| 85 | Wayne County | $541,287 | $832,750 | $222,100 |
| 86 | Williams County | $541,287 | $832,750 | $150,000 |
| 87 | Wood County | $541,287 | $832,750 | $227,600 |
| 88 | Wyandot County | $541,287 | $832,750 | $163,400 |
About Ohio's Mortgage Market
Ohio has 88 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Ohio range from $541,287 to $541,287 for a single-family home. Conforming limits range from $832,750 to $832,750.
Use our mortgage calculator to compute monthly payments using Ohio-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in Ohio?
The highest 2026 FHA limit in Ohio is $541,287 for a single-family home.
What is the maximum conforming loan limit in Ohio?
The highest 2026 conforming loan limit in Ohio is $832,750 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Ohio?
Ohio has 88 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.