FHA Loan Limits and USDA Eligibility in Ohio
2026 FHA one-unit limits in Ohio range from $541,287 to $591,100. About 72% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $122,800 to $153,550. Enter a ZIP on the maps. County FHA caps are listed below.
2026 FHA Loan Limits Map for Ohio
Ohio one-unit limits: —
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+
USDA Property Eligibility and Income Limits Map for Ohio
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EligibleIneligibleUSDA ineligible boundary
Ohio FHA and USDA Figures by County
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when it does, both caps are listed. This table does not mark a county as USDA eligible or ineligible.
| County | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| Adams County | $541,287 | $122,800 |
| Allen County | $541,287 | $122,800 |
| Ashland County | $541,287 | $122,800 |
| Ashtabula County | $541,287 | $122,800 |
| Athens County | $541,287 | $122,800 |
| Auglaize County | $541,287 | $122,800 |
| Belmont County | $541,287 | $122,800 |
| Brown County | $541,287 | $122,800 |
| Butler County | $541,287 | $128,600 |
| Carroll County | $541,287 | $122,800 |
| Champaign County | $541,287 | $122,800 |
| Clark County | $541,287 | $122,800 |
| Clermont County | $541,287 | $128,600 |
| Clinton County | $541,287 | $122,800 |
| Columbiana County | $541,287 | $122,800 |
| Coshocton County | $541,287 | $122,800 |
| Crawford County | $541,287 | $122,800 |
| Cuyahoga County | $541,287 | $122,800 |
| Darke County | $541,287 | $122,800 |
| Defiance County | $541,287 | $122,800 |
| Delaware County | $591,100 | $122,800 to $128,250 |
| Erie County | $541,287 | $122,800 |
| Fairfield County | $591,100 | $128,250 |
| Fayette County | $541,287 | $122,800 |
| Franklin County | $591,100 | $128,250 |
| Fulton County | $541,287 | $122,800 |
| Gallia County | $541,287 | $122,800 |
| Geauga County | $541,287 | $122,800 |
| Greene County | $541,287 | $122,800 |
| Guernsey County | $541,287 | $122,800 |
| Hamilton County | $541,287 | $128,600 |
| Hancock County | $541,287 | $122,800 |
| Hardin County | $541,287 | $122,800 |
| Harrison County | $541,287 | $122,800 |
| Henry County | $541,287 | $122,800 |
| Highland County | $541,287 | $122,800 |
| Hocking County | $591,100 | $122,800 |
| Holmes County | $541,287 | $122,800 |
| Huron County | $541,287 | $122,800 |
| Jackson County | $541,287 | $122,800 |
| Jefferson County | $541,287 | $122,800 |
| Knox County | $541,287 | $122,800 |
| Lake County | $541,287 | $122,800 |
| Lawrence County | $541,287 | $122,800 |
| Licking County | $591,100 | $128,250 |
| Logan County | $541,287 | $122,800 |
| Lorain County | $541,287 | $122,800 |
| Lucas County | $541,287 | $122,800 |
| Madison County | $591,100 | $128,250 |
| Mahoning County | $541,287 | $122,800 |
| Marion County | $541,287 | $122,800 |
| Medina County | $541,287 | $122,800 |
| Meigs County | $541,287 | $122,800 |
| Mercer County | $541,287 | $122,800 |
| Miami County | $541,287 | $122,800 |
| Monroe County | $541,287 | $122,800 |
| Montgomery County | $541,287 | $122,800 |
| Morgan County | $541,287 | $122,800 |
| Morrow County | $591,100 | $128,250 |
| Muskingum County | $541,287 | $122,800 |
| Noble County | $541,287 | $122,800 |
| Ottawa County | $541,287 | $122,800 |
| Paulding County | $541,287 | $122,800 |
| Perry County | $591,100 | $122,800 |
| Pickaway County | $591,100 | $128,250 |
| Pike County | $541,287 | $122,800 |
| Portage County | $541,287 | $122,800 |
| Preble County | $541,287 | $122,800 |
| Putnam County | $541,287 | $125,150 |
| Richland County | $541,287 | $122,800 |
| Ross County | $541,287 | $122,800 |
| Sandusky County | $541,287 | $122,800 |
| Scioto County | $541,287 | $122,800 |
| Seneca County | $541,287 | $122,800 |
| Shelby County | $541,287 | $122,800 |
| Stark County | $541,287 | $122,800 |
| Summit County | $541,287 | $122,800 |
| Trumbull County | $541,287 | $122,800 |
| Tuscarawas County | $541,287 | $122,800 |
| Union County | $591,100 | $153,550 |
| Van Wert County | $541,287 | $122,800 |
| Vinton County | $541,287 | $122,800 |
| Warren County | $541,287 | $128,600 |
| Washington County | $541,287 | $122,800 |
| Wayne County | $541,287 | $122,800 |
| Williams County | $541,287 | $122,800 |
| Wood County | $541,287 | $122,800 |
| Wyandot County | $541,287 | $122,800 |
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