Ohio USDA Loans

My state-specific information

Eligibility Requirements – Ohio

That new home in Ohio could finally be yours with a home loan from the USDA. For a family of 1-4 in Ohio, the average household income limit for a USDA loan is about $119,850 a year, and for a family of 5 or more the limit can be as high as $194,600. Plus, USDA loans require no down payment or qualifying assets, and their competitive fixed interests rates mean that your payments won’t increase. Curious to learn more? Fill out the form above to get in touch with one of our USDA loan specialists and find out how you can take the first step toward your new home.

This map shows the areas of Ohio eligible for USDA loans. To find out more about qualifying areas of the state, check out the USDA property eligibility screen.

Ohio USDA Income Limits (Moderate Income – Guaranteed Loan)

Most Ohio counties follow the standard USDA income limit, with select metro areas offering higher limits.

Area 1–4 Person 5+ Person
Standard Limit (Most OH Counties) $119,850 $158,250
Cincinnati, OH-KY-IN HUD Metro FMR Area $128,600 $169,800
Columbus, OH HUD Metro FMR Area $125,350 $165,500
Union County, OH HUD Metro FMR Area $147,400 $194,600
Ottawa County, OH HUD Metro FMR Area $120,600 $159,200
Putnam County, OH $124,050 $163,750

Important: USDA income limits are based on total household income — including income from all adult household members — not just the borrower(s).

If your total household income is within your area’s limit and the property is in a USDA-eligible location, you may qualify for a USDA Guaranteed loan with 100% financing (no down payment required).

Check Your Ohio USDA Eligibility

USDA loans are available in eligible rural and suburban areas across Ohio. We can quickly:

  • Verify your household income eligibility
  • Confirm the property is in a USDA-approved area
  • Provide a fast payment estimate


Get Pre-Qualified


or request a quick eligibility review.

Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, property location, and USDA program guidelines.

  • NO down payment – Finance 100% of your home
  • NO maximum loan amount in Ohio.
  • NO assets needed to qualify
  • Flexible credit guidelines
  • Competitive, fixed interest rates so payments do not increase
  • USDA Loans are for new and existing properties

Start your Ohio USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.

What areas are eligible?

USDA Eligibility Map – Ohio