Ohio Loan Limits by County, 2026
How big a loan can your county back?
About these limits
FHA and conforming limits are set per county each year by HUD and FHFA. A loan above the limit is a jumbo loan with different rules. Source: HUD CHUMS file for 2026 and FHFA county limits.
FHA and conforming (Fannie Mae and Freddie Mac) limits for a one-unit home in all 88 Ohio counties. 10 counties are high-cost areas with FHA limits above the national floor.
Choose your county to see the answer.
CountyHouseholdIncomePriceSavings
More about loan limits
Ohio counties
| County | FHA limit (1 unit) | Conforming limit (1 unit) | Area |
|---|---|---|---|
| Adams County | $541,287 | $832,750 | Floor |
| Allen County | $541,287 | $832,750 | Floor |
| Ashland County | $541,287 | $832,750 | Floor |
| Ashtabula County | $541,287 | $832,750 | Floor |
| Athens County | $541,287 | $832,750 | Floor |
| Auglaize County | $541,287 | $832,750 | Floor |
| Belmont County | $541,287 | $832,750 | Floor |
| Brown County | $541,287 | $832,750 | Floor |
| Butler County | $541,287 | $832,750 | Floor |
| Carroll County | $541,287 | $832,750 | Floor |
| Champaign County | $541,287 | $832,750 | Floor |
| Clark County | $541,287 | $832,750 | Floor |
| Clermont County | $541,287 | $832,750 | Floor |
| Clinton County | $541,287 | $832,750 | Floor |
| Columbiana County | $541,287 | $832,750 | Floor |
| Coshocton County | $541,287 | $832,750 | Floor |
| Crawford County | $541,287 | $832,750 | Floor |
| Cuyahoga County | $541,287 | $832,750 | Floor |
| Darke County | $541,287 | $832,750 | Floor |
| Defiance County | $541,287 | $832,750 | Floor |
| Delaware County | $591,100 | $832,750 | High-cost |
| Erie County | $541,287 | $832,750 | Floor |
| Fairfield County | $591,100 | $832,750 | High-cost |
| Fayette County | $541,287 | $832,750 | Floor |
| Franklin County | $591,100 | $832,750 | High-cost |
| Fulton County | $541,287 | $832,750 | Floor |
| Gallia County | $541,287 | $832,750 | Floor |
| Geauga County | $541,287 | $832,750 | Floor |
| Greene County | $541,287 | $832,750 | Floor |
| Guernsey County | $541,287 | $832,750 | Floor |
| Hamilton County | $541,287 | $832,750 | Floor |
| Hancock County | $541,287 | $832,750 | Floor |
| Hardin County | $541,287 | $832,750 | Floor |
| Harrison County | $541,287 | $832,750 | Floor |
| Henry County | $541,287 | $832,750 | Floor |
| Highland County | $541,287 | $832,750 | Floor |
| Hocking County | $591,100 | $832,750 | High-cost |
| Holmes County | $541,287 | $832,750 | Floor |
| Huron County | $541,287 | $832,750 | Floor |
| Jackson County | $541,287 | $832,750 | Floor |
| Jefferson County | $541,287 | $832,750 | Floor |
| Knox County | $541,287 | $832,750 | Floor |
| Lake County | $541,287 | $832,750 | Floor |
| Lawrence County | $541,287 | $832,750 | Floor |
| Licking County | $591,100 | $832,750 | High-cost |
| Logan County | $541,287 | $832,750 | Floor |
| Lorain County | $541,287 | $832,750 | Floor |
| Lucas County | $541,287 | $832,750 | Floor |
| Madison County | $591,100 | $832,750 | High-cost |
| Mahoning County | $541,287 | $832,750 | Floor |
| Marion County | $541,287 | $832,750 | Floor |
| Medina County | $541,287 | $832,750 | Floor |
| Meigs County | $541,287 | $832,750 | Floor |
| Mercer County | $541,287 | $832,750 | Floor |
| Miami County | $541,287 | $832,750 | Floor |
| Monroe County | $541,287 | $832,750 | Floor |
| Montgomery County | $541,287 | $832,750 | Floor |
| Morgan County | $541,287 | $832,750 | Floor |
| Morrow County | $591,100 | $832,750 | High-cost |
| Muskingum County | $541,287 | $832,750 | Floor |
| Noble County | $541,287 | $832,750 | Floor |
| Ottawa County | $541,287 | $832,750 | Floor |
| Paulding County | $541,287 | $832,750 | Floor |
| Perry County | $591,100 | $832,750 | High-cost |
| Pickaway County | $591,100 | $832,750 | High-cost |
| Pike County | $541,287 | $832,750 | Floor |
| Portage County | $541,287 | $832,750 | Floor |
| Preble County | $541,287 | $832,750 | Floor |
| Putnam County | $541,287 | $832,750 | Floor |
| Richland County | $541,287 | $832,750 | Floor |
| Ross County | $541,287 | $832,750 | Floor |
| Sandusky County | $541,287 | $832,750 | Floor |
| Scioto County | $541,287 | $832,750 | Floor |
| Seneca County | $541,287 | $832,750 | Floor |
| Shelby County | $541,287 | $832,750 | Floor |
| Stark County | $541,287 | $832,750 | Floor |
| Summit County | $541,287 | $832,750 | Floor |
| Trumbull County | $541,287 | $832,750 | Floor |
| Tuscarawas County | $541,287 | $832,750 | Floor |
| Union County | $591,100 | $832,750 | High-cost |
| Van Wert County | $541,287 | $832,750 | Floor |
| Vinton County | $541,287 | $832,750 | Floor |
| Warren County | $541,287 | $832,750 | Floor |
| Washington County | $541,287 | $832,750 | Floor |
| Wayne County | $541,287 | $832,750 | Floor |
| Williams County | $541,287 | $832,750 | Floor |
| Wood County | $541,287 | $832,750 | Floor |
| Wyandot County | $541,287 | $832,750 | Floor |
Sources
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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