2026 loan limits in Wayne County, Ohio
In Wayne County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Wayne County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $560,919.
Questions
What is the 2026 conforming loan limit in Wayne County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Wayne County?
$541,287 for a one-unit home.
More for Wayne County
Wayne County property taxesFHA loan limits toolOhio closing costsApple Creek 44606 market dataBurbank 44214 market dataCreston 44217 market dataDalton 44618 market dataDoylestown 44230 market dataMarshallville 44645 market dataOrrville 44667 market dataRittman 44270 market dataShreve 44676 market dataSmithville 44677 market data
2026 limits from HUD’s county files (Wooster, Oh). Conforming limits are set by the Federal Housing Finance Agency.