2026 conforming loan limits · Ohio
All 88 counties in Ohio use the same one-unit conforming limit of $832,750.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
Ohio at a glance
| Metric | Value |
|---|---|
| Counties | 88 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $832,750 |
| Distinct one-unit limits | 1 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 0 of 88 (0.0%) |
| At the applicable ceiling | 0 |
| Dataset year | CY2026 |
Every county in Ohio carries the same one-unit limit, so there is no high-cost ranking to show.
Conforming and FHA limits by county
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| Adams County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Allen County | LIMA, OH | $832,750 | $541,287 | $291,463 |
| Ashland County | ASHLAND, OH | $832,750 | $541,287 | $291,463 |
| Ashtabula County | CLEVELAND, OH | $832,750 | $541,287 | $291,463 |
| Athens County | ATHENS, OH | $832,750 | $541,287 | $291,463 |
| Auglaize County | WAPAKONETA, OH | $832,750 | $541,287 | $291,463 |
| Belmont County | WHEELING, WV-OH | $832,750 | $541,287 | $291,463 |
| Brown County | CINCINNATI, OH-KY-IN | $832,750 | $541,287 | $291,463 |
| Butler County | CINCINNATI, OH-KY-IN | $832,750 | $541,287 | $291,463 |
| Carroll County | CANTON-MASSILLON, OH | $832,750 | $541,287 | $291,463 |
| Champaign County | URBANA, OH | $832,750 | $541,287 | $291,463 |
| Clark County | SPRINGFIELD, OH | $832,750 | $541,287 | $291,463 |
| Clermont County | CINCINNATI, OH-KY-IN | $832,750 | $541,287 | $291,463 |
| Clinton County | WILMINGTON, OH | $832,750 | $541,287 | $291,463 |
| Columbiana County | SALEM, OH | $832,750 | $541,287 | $291,463 |
| Coshocton County | COSHOCTON, OH | $832,750 | $541,287 | $291,463 |
| Crawford County | BUCYRUS, OH | $832,750 | $541,287 | $291,463 |
| Cuyahoga County | CLEVELAND, OH | $832,750 | $541,287 | $291,463 |
| Darke County | GREENVILLE, OH | $832,750 | $541,287 | $291,463 |
| Defiance County | DEFIANCE, OH | $832,750 | $541,287 | $291,463 |
| Delaware County | COLUMBUS, OH | $832,750 | $591,100 | $241,650 |
| Erie County | SANDUSKY, OH | $832,750 | $541,287 | $291,463 |
| Fairfield County | COLUMBUS, OH | $832,750 | $591,100 | $241,650 |
| Fayette County | WASHINGTON COURT HOUSE, OH | $832,750 | $541,287 | $291,463 |
| Franklin County | COLUMBUS, OH | $832,750 | $591,100 | $241,650 |
| Fulton County | TOLEDO, OH | $832,750 | $541,287 | $291,463 |
| Gallia County | GALLIPOLIS, OH | $832,750 | $541,287 | $291,463 |
| Geauga County | CLEVELAND, OH | $832,750 | $541,287 | $291,463 |
| Greene County | DAYTON-KETTERING-BEAVERCREEK, OH | $832,750 | $541,287 | $291,463 |
| Guernsey County | CAMBRIDGE, OH | $832,750 | $541,287 | $291,463 |
| Hamilton County | CINCINNATI, OH-KY-IN | $832,750 | $541,287 | $291,463 |
| Hancock County | FINDLAY, OH | $832,750 | $541,287 | $291,463 |
| Hardin County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Harrison County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Henry County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Highland County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hocking County | COLUMBUS, OH | $832,750 | $591,100 | $241,650 |
| Holmes County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Huron County | NORWALK, OH | $832,750 | $541,287 | $291,463 |
| Jackson County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Jefferson County | WEIRTON-STEUBENVILLE, WV-OH | $832,750 | $541,287 | $291,463 |
| Knox County | MOUNT VERNON, OH | $832,750 | $541,287 | $291,463 |
| Lake County | CLEVELAND, OH | $832,750 | $541,287 | $291,463 |
| Lawrence County | HUNTINGTON-ASHLAND, WV-KY-OH | $832,750 | $541,287 | $291,463 |
| Licking County | COLUMBUS, OH | $832,750 | $591,100 | $241,650 |
| Logan County | BELLEFONTAINE, OH | $832,750 | $541,287 | $291,463 |
| Lorain County | CLEVELAND, OH | $832,750 | $541,287 | $291,463 |
| Lucas County | TOLEDO, OH | $832,750 | $541,287 | $291,463 |
| Madison County | COLUMBUS, OH | $832,750 | $591,100 | $241,650 |
| Mahoning County | YOUNGSTOWN-WARREN, OH | $832,750 | $541,287 | $291,463 |
| Marion County | MARION, OH | $832,750 | $541,287 | $291,463 |
| Medina County | CLEVELAND, OH | $832,750 | $541,287 | $291,463 |
| Meigs County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Mercer County | CELINA, OH | $832,750 | $541,287 | $291,463 |
| Miami County | DAYTON-KETTERING-BEAVERCREEK, OH | $832,750 | $541,287 | $291,463 |
| Monroe County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Montgomery County | DAYTON-KETTERING-BEAVERCREEK, OH | $832,750 | $541,287 | $291,463 |
| Morgan County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Morrow County | COLUMBUS, OH | $832,750 | $591,100 | $241,650 |
| Muskingum County | ZANESVILLE, OH | $832,750 | $541,287 | $291,463 |
| Noble County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Ottawa County | SANDUSKY, OH | $832,750 | $541,287 | $291,463 |
| Paulding County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Perry County | COLUMBUS, OH | $832,750 | $591,100 | $241,650 |
| Pickaway County | COLUMBUS, OH | $832,750 | $591,100 | $241,650 |
| Pike County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Portage County | AKRON, OH | $832,750 | $541,287 | $291,463 |
| Preble County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Putnam County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Richland County | MANSFIELD, OH | $832,750 | $541,287 | $291,463 |
| Ross County | CHILLICOTHE, OH | $832,750 | $541,287 | $291,463 |
| Sandusky County | FREMONT, OH | $832,750 | $541,287 | $291,463 |
| Scioto County | PORTSMOUTH, OH | $832,750 | $541,287 | $291,463 |
| Seneca County | TIFFIN, OH | $832,750 | $541,287 | $291,463 |
| Shelby County | SIDNEY, OH | $832,750 | $541,287 | $291,463 |
| Stark County | CANTON-MASSILLON, OH | $832,750 | $541,287 | $291,463 |
| Summit County | AKRON, OH | $832,750 | $541,287 | $291,463 |
| Trumbull County | YOUNGSTOWN-WARREN, OH | $832,750 | $541,287 | $291,463 |
| Tuscarawas County | NEW PHILADELPHIA-DOVER, OH | $832,750 | $541,287 | $291,463 |
| Union County | COLUMBUS, OH | $832,750 | $591,100 | $241,650 |
| Van Wert County | VAN WERT, OH | $832,750 | $541,287 | $291,463 |
| Vinton County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Warren County | CINCINNATI, OH-KY-IN | $832,750 | $541,287 | $291,463 |
| Washington County | MARIETTA, OH | $832,750 | $541,287 | $291,463 |
| Wayne County | WOOSTER, OH | $832,750 | $541,287 | $291,463 |
| Williams County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Wood County | TOLEDO, OH | $832,750 | $541,287 | $291,463 |
| Wyandot County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Adams County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Allen County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ashland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ashtabula County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Athens County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Auglaize County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Belmont County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Brown County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Butler County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Carroll County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Champaign County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clark County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clermont County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clinton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Columbiana County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Coshocton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Crawford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cuyahoga County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Darke County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Defiance County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Delaware County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Erie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fairfield County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fayette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fulton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gallia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Geauga County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Greene County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Guernsey County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hamilton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hancock County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hardin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Harrison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Henry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Highland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hocking County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Holmes County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Huron County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Knox County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lawrence County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Licking County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Logan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lorain County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lucas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mahoning County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Medina County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Meigs County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mercer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Miami County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monroe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Montgomery County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Morgan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Morrow County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Muskingum County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Noble County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ottawa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Paulding County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Perry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pickaway County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pike County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Portage County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Preble County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Putnam County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Richland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ross County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sandusky County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Scioto County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Seneca County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Shelby County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Stark County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Summit County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Trumbull County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tuscarawas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Van Wert County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Vinton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Warren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wayne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Williams County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wood County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wyandot County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)