FHA Loan Limits and USDA Eligibility in Montgomery County, Ohio
2026 FHA one-unit limit in Montgomery 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 $122,800. 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
Montgomery 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 |
|---|---|---|
| 45005 | $541,287 | $122,800 to $128,600 |
| 45066 | $541,287 | $122,800 to $128,600 |
| 45304 | $541,287 | $122,800 |
| 45309 | $541,287 | $122,800 |
| 45315 | $541,287 | $122,800 |
| 45322 | $541,287 | $122,800 |
| 45325 | $541,287 | $122,800 |
| 45327 | $541,287 | $122,800 to $128,600 |
| 45342 | $541,287 | $122,800 to $128,600 |
| 45345 | $541,287 | $122,800 |
| 45354 | $541,287 | $122,800 |
| 45371 | $541,287 | $122,800 |
| 45377 | $541,287 | $122,800 |
| 45381 | $541,287 | $122,800 |
| 45401 | $541,287 | $122,800 |
| 45402 | $541,287 | $122,800 |
| 45403 | $541,287 | $122,800 |
| 45404 | $541,287 | $122,800 |
| 45405 | $541,287 | $122,800 |
| 45406 | $541,287 | $122,800 |
| 45409 | $541,287 | $122,800 |
| 45410 | $541,287 | $122,800 |
| 45414 | $541,287 | $122,800 |
| 45415 | $541,287 | $122,800 |
| 45416 | $541,287 | $122,800 |
| 45417 | $541,287 | $122,800 |
| 45419 | $541,287 | $122,800 |
| 45420 | $541,287 | $122,800 |
| 45422 | $541,287 | $122,800 |
| 45423 | $541,287 | $122,800 |
| 45424 | $541,287 | $122,800 |
| 45426 | $541,287 | $122,800 |
| 45428 | $541,287 | $122,800 |
| 45429 | $541,287 | $122,800 |
| 45430 | $541,287 | $122,800 |
| 45431 | $541,287 | $122,800 |
| 45432 | $541,287 | $122,800 |
| 45435 | $541,287 | $122,800 |
| 45439 | $541,287 | $122,800 |
| 45440 | $541,287 | $122,800 |
| 45448 | $541,287 | $122,800 |
| 45449 | $541,287 | $122,800 |
| 45458 | $541,287 | $122,800 to $128,600 |
| 45459 | $541,287 | $122,800 |
| 45469 | $541,287 | $122,800 |