FHA loan limits and USDA eligibility for ZIP 45241 — Cincinnati, OH

FHA county loan caps, USDA property eligibility, and USDA household income limits for this ZIP. USDA looks unlikely here, so FHA is listed first.

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Couple reviewing home loan options for their ZIP code

2026 FHA loan limits

Butler County

1-unit

$541,287

2-unit

$693,050

3-unit

$837,700

4-unit

$1,041,125

Hamilton County

1-unit

$541,287

2-unit

$693,050

3-unit

$837,700

4-unit

$1,041,125

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USDA property eligibility

Likely not eligible

Based on the ZIP’s geographic center vs USDA ineligible-area boundaries. The official test is the property address.

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USDA income limits

Hamilton County

1–4 person household income limit

$128,600

5–8 person household income limit

$169,800

  • Hamilton County (Primary): $128,600 / $169,800
  • Butler County: $128,600 / $169,800
  • Warren County: $128,600 / $169,800

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FAQ for ZIP 45241

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