FHA Loan Limits and USDA Eligibility in Hamilton County, Ohio
2026 FHA one-unit limit in Hamilton County is $541,287. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125. USDA 502 Guaranteed 1–4 person moderate income is $128,600. Enter a ZIP on the maps. USDA scores the property address, not the county.
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
Hamilton County FHA Loan Limits and USDA Income
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.
| ZIP | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| 45001 | $541,287 | $128,600 |
| 45002 | $541,287 | $128,600 |
| 45030 | $541,287 | $128,600 |
| 45033 | $541,287 | $128,600 |
| 45041 | $541,287 | $128,600 |
| 45052 | $541,287 | $128,600 |
| 45111 | $541,287 | $128,600 |
| 45140 | $541,287 | $128,600 |
| 45160 | $541,287 | $128,600 |
| 45174 | $541,287 | $128,600 |
| 45201 | $541,287 | $128,600 |
| 45202 | $541,287 | $128,600 |
| 45203 | $541,287 | $128,600 |
| 45204 | $541,287 | $128,600 |
| 45205 | $541,287 | $128,600 |
| 45206 | $541,287 | $128,600 |
| 45207 | $541,287 | $128,600 |
| 45208 | $541,287 | $128,600 |
| 45209 | $541,287 | $128,600 |
| 45211 | $541,287 | $128,600 |
| 45212 | $541,287 | $128,600 |
| 45213 | $541,287 | $128,600 |
| 45214 | $541,287 | $128,600 |
| 45215 | $541,287 | $128,600 |
| 45216 | $541,287 | $128,600 |
| 45217 | $541,287 | $128,600 |
| 45218 | $541,287 | $128,600 |
| 45219 | $541,287 | $128,600 |
| 45220 | $541,287 | $128,600 |
| 45222 | $541,287 | $128,600 |
| 45223 | $541,287 | $128,600 |
| 45224 | $541,287 | $128,600 |
| 45225 | $541,287 | $128,600 |
| 45226 | $541,287 | $128,600 |
| 45227 | $541,287 | $128,600 |
| 45229 | $541,287 | $128,600 |
| 45230 | $541,287 | $128,600 |
| 45231 | $541,287 | $128,600 |
| 45232 | $541,287 | $128,600 |
| 45233 | $541,287 | $128,600 |
| 45234 | $541,287 | $128,600 |
| 45235 | $541,287 | $128,600 |
| 45236 | $541,287 | $128,600 |
| 45237 | $541,287 | $128,600 |
| 45238 | $541,287 | $128,600 |
| 45239 | $541,287 | $128,600 |
| 45240 | $541,287 | $128,600 |
| 45241 | $541,287 | $128,600 |
| 45242 | $541,287 | $128,600 |
| 45243 | $541,287 | $128,600 |
| 45244 | $541,287 | $128,600 |
| 45246 | $541,287 | $128,600 |
| 45247 | $541,287 | $128,600 |
| 45248 | $541,287 | $128,600 |
| 45249 | $541,287 | $128,600 |
| 45251 | $541,287 | $128,600 |
| 45252 | $541,287 | $128,600 |
| 45255 | $541,287 | $128,600 |