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Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

Current FHA Mortgage Rates in OH - Ohio FHA Mortgage

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Ohio Mortgages

2024 FHA Loan Limits for Ohio

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in Ohio are below.

County Name One Family Two Family Three Family Four Family
Adams One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Allen One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ashland One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ashtabula One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Athens One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Auglaize One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Belmont One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Brown One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Butler One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Carroll One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Champaign One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clark One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clermont One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clinton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Columbiana One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Coshocton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Crawford One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cuyahoga One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Darke One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Defiance One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Delaware One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Erie One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Fairfield One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Fayette One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Franklin One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Fulton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Gallia One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Geauga One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Greene One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Guernsey One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hamilton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hancock One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hardin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Harrison One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Henry One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Highland One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hocking One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Holmes One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Huron One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jackson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jefferson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Knox One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lake One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lawrence One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Licking One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Logan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lorain One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lucas One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Madison One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Mahoning One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Marion One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Medina One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Meigs One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mercer One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Miami One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Monroe One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Montgomery One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Morgan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Morrow One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Muskingum One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Noble One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ottawa One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Paulding One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Perry One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Pickaway One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Pike One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Portage One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Preble One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Putnam One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Richland One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ross One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Sandusky One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Scioto One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Seneca One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Shelby One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Stark One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Summit One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Trumbull One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Tuscarawas One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Union One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Van Wert One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Vinton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Warren One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Washington One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wayne One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Williams One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wood One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wyandot One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
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