OHFA limits, effective July 1, 2026
Ohio Heroes income and price limits
OHFA sets limits by county, by household size and by whether the home is in a target area. Here are the non-target limits for Ohio's 20 largest counties.
Household size. OHFA uses two income columns: one for households of 1 to 2 people and one for 3 or more. All income of the borrowers who will live in the home counts.
Target vs. non-target. Since July 1, 2025, OHFA uses target and non-target limits for its first-time programs. Federally designated target areas have limits about 20% higher, and buyers there are exempt from the first-time rule. Your lender checks whether a specific address is in a target area.
Purchase price. For a single-family home the non-target limit is $566,355 in most counties and $618,475 in the ten Columbus-area counties (Delaware, Fairfield, Franklin, Hocking, Licking, Madison, Morrow, Perry, Pickaway and Union). Target-area limits are $692,211 and $755,913. Higher limits apply to 2 to 4 family homes.
The table below shows OHFA's non-target "Government, Conventional" income limits. OHFA describes Ohio Heroes as a version of its first-time homebuyer loan, so these are the limits that should apply. Confirm with your lender. For counties not shown, see OHFA's full limits PDF.
| Area | Income cap, 1–2 people | Income cap, 3 or more | Price cap |
|---|---|---|---|
| Franklin County | $111,500 | $128,225 | $618,475 |
| Cuyahoga County | $105,000 | $120,750 | $566,355 |
| Hamilton County | $109,900 | $126,385 | $566,355 |
| Montgomery County | $103,000 | $118,450 | $566,355 |
| Summit County | $98,800 | $113,620 | $566,355 |
| Lucas County | $98,800 | $113,620 | $566,355 |
| Butler County | $109,900 | $126,385 | $566,355 |
| Stark County | $98,800 | $113,620 | $566,355 |
| Lorain County | $105,000 | $120,750 | $566,355 |
| Warren County | $109,900 | $126,385 | $566,355 |
| Delaware County | $111,500 | $128,225 | $618,475 |
| Lake County | $105,000 | $120,750 | $566,355 |
| Mahoning County | $98,800 | $113,620 | $566,355 |
| Clermont County | $109,900 | $126,385 | $566,355 |
| Trumbull County | $98,800 | $113,620 | $566,355 |
| Licking County | $111,500 | $128,225 | $618,475 |
| Medina County | $105,000 | $120,750 | $566,355 |
| Greene County | $103,000 | $118,450 | $566,355 |
| Fairfield County | $111,500 | $128,225 | $618,475 |
| Portage County | $98,800 | $113,620 | $566,355 |
Figures from OHFA Income and Purchase Price Limits for Homeownership Products (non-target 'Government, Conventional, MTC Plus, and MTC Basic' income limits; 1-family non-target purchase price limits), in effect July 1, 2026. These caps move every year. The lender checks the current figure for your file.
