Loan Limits / Indiana / Ohio County
2026 Loan Limits · Indiana · CINCINNATI, OH-KY-IN
Ohio County, IN.
2026 conforming and FHA loan limits, calibrated to a median sales price of $380,000.
Median Sales Price
$380,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$541,287
Floor
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Floor| 1-unit (single-family) | $541,287 |
| 2-unit (duplex) | $693,050 |
| 3-unit (triplex) | $837,700 |
| 4-unit (fourplex) | $1,041,125 |
About this county
About Ohio County
Ohio County is a county located in southeastern Indiana. With a 2020 population of 5,940, and an area of just 87 square miles, Ohio County is the smallest county in Indiana by area and the least populous. The county seat and only incorporated municipality is Rising Sun. The county was officially established in 1844 and was one of the last Indiana counties to be created. Ohio County borders the state of Kentucky across the Ohio River for which it was named. It is part of the Cincinnati, OH-KY-IN Metropolitan Statistical Area. The county is divided into four townships which provide local services. Three state roads pass through or into the county. Read more on Wikipedia →
Population
5,993
U.S. Census ACS 2023
Median Household Income
$67,942
U.S. Census ACS 2023
Median Home Value (Census)
$193,500
Owner-occupied · ACS 2023
Owner-Occupancy Rate
77%
Of occupied housing
What these limits mean for buyers in Ohio County
The 2026 conforming 1-unit limit for Ohio County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Ohio County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $541,287. The HUD CHUMS table pegs the median sales price for Ohio County at $380,000. This matches the FHA national floor — Ohio County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Ohio County ($380,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Ohio County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Ohio County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.