Ohio’s lower prices mean FHA covers most homes: county FHA limits run from the national floor to higher figures around Columbus and Cincinnati.
2026 FHA limits in Ohio
One-unit FHA limits run from $541,287 to $591,100 across Ohio’s 88 counties; 78 are at the national floor. The ten highest are below; see all 88 Ohio counties.
| County | FHA, 1 unit | FHA, 2 units | FHA, 4 units | Conforming, 1 unit |
|---|---|---|---|---|
| Delaware | $591,100 | $756,700 | $1,136,750 | $832,750 |
| Fairfield | $591,100 | $756,700 | $1,136,750 | $832,750 |
| Franklin | $591,100 | $756,700 | $1,136,750 | $832,750 |
| Hocking | $591,100 | $756,700 | $1,136,750 | $832,750 |
| Licking | $591,100 | $756,700 | $1,136,750 | $832,750 |
| Madison | $591,100 | $756,700 | $1,136,750 | $832,750 |
| Morrow | $591,100 | $756,700 | $1,136,750 | $832,750 |
| Perry | $591,100 | $756,700 | $1,136,750 | $832,750 |
| Pickaway | $591,100 | $756,700 | $1,136,750 | $832,750 |
| Union | $591,100 | $756,700 | $1,136,750 | $832,750 |
What is different in Ohio
- OHFA’s first mortgages and its down payment assistance, Your Choice!, can pair with FHA.
- Older homes in Cleveland, Toledo and other cities may need lead paint, roof or safety repairs flagged by the FHA appraiser.
- Two- to four-unit homes are common in Ohio cities and can use FHA if you live in one unit, with rent from the others helping you qualify.
- FHA’s 203(k) renovation loan suits Ohio’s older housing stock.
Questions
What are the requirements to qualify for an FHA loan in Ohio?
The same as nationwide: 580 or higher for the low down payment, a debt-to-income ratio within FHA’s limits and a primary home, up to the county limit: $591,100 in Franklin County in 2026.
What is the FHA loan limit in Cuyahoga County?
$541,287 for a one-unit home in 2026. See also: FHA loans in California.
Can I buy an Ohio duplex with an FHA loan?
Yes, if you live in one unit. FHA allows two to four units, with higher limits than a single-family home.
Related
FHA loans in other states: California, Arizona, Florida. All of Ohio: mortgage loans in Ohio.
