Loan Limits / Ohio / Delaware County
2026 Loan Limits · Ohio · COLUMBUS, OH
Delaware County, OH.
2026 conforming and FHA loan limits, calibrated to a median sales price of $514,000.
Median Sales Price
$514,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$591,100
Mid-tier
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)
Mid-tier| 1-unit (single-family) | $591,100 |
| 2-unit (duplex) | $756,700 |
| 3-unit (triplex) | $914,700 |
| 4-unit (fourplex) | $1,136,750 |
About this county
About Delaware County
Delaware County is located in the central portion of the U.S. state of Ohio. As of the 2020 census, the population was 214,124. Its county seat and largest city is Delaware. The county was formed in 1808 from Franklin County, Ohio. Both the county and its seat are named after the Delaware Indian tribe. It is a frequent placeholder on the List of highest-income counties in the United States; Delaware County was listed as the 35th wealthiest county in the United States in 2020. Delaware County is included in the Columbus, Ohio, metropolitan area. U.S. President Rutherford B. Hayes was born and raised in Delaware County. It is also home to the Columbus Zoo and Aquarium. Read more on Wikipedia →
Population
221,160
U.S. Census ACS 2023
Median Household Income
$130,088
U.S. Census ACS 2023
Median Home Value (Census)
$419,500
Owner-occupied · ACS 2023
Owner-Occupancy Rate
78%
Of occupied housing
What these limits mean for buyers in Delaware County
The 2026 conforming 1-unit limit for Delaware 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. Delaware County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $591,100. The HUD CHUMS table pegs the median sales price for Delaware County at $514,000. Delaware County is in HUD's FHA high-cost tier — its limit sits between the national floor of $541,287 and the ceiling of $1,249,125, calculated as 115% of the area median.
Practical takeaway. The median sales price in Delaware County ($514,000) 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
Delaware 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 Delaware County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.