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Updated: December 2, 2024

2025 Mortgage Loan Limits: Miami County, Ohio

Property Type2025 Loan Limit
1-Unit Homes$806,500
2-Unit Homes$1,032,650
3-Unit Homes$1,248,150
4-Unit Homes$1,551,250

Source: Federal Housing Finance Agency; Federal Housing Administration

Miami County, Ohio, mortgage loan limits apply in:

Miami County 2025 mortgage loan limits include the following cities: Bethel, Brandt, Brown, Casstown, Concord, Covington, Elizabeth, Fletcher, Laura, Lostcreek, Ludlow Falls, Monroe, Newberry, Newton, Piqua, Pleasant Hill, Potsdam, Springcreek, Staunton, Tipp City, Troy, Union (Township), Washington, West Milton

Historical Charts: Mortgage Loan Limits in Miami County, Ohio

Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in Miami County, so do the local loan limits. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.

Mortgage Statistics from Miami County, Ohio

Mortgage statistics for Miami County, sourced from the Home Mortgage Disclosure Act (HMDA) database, maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database contains detailed, anonymous loan data and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.

MortgagesTotal
Purchase Mortgages (2018-2023)8373
Loan TypeRelative Share
Conventional68.03%
FHA17.99%
VA12.15%
USDA1.84%
Property TypeRelative Share
1-Unit Homes97.49%
2-Unit Homes2.09%
3-Unit Homes0.19%
4-Unit Homes0.23%
Borrower StatusRelative Share
One Applicant56.49%
Two or More Applicants43.51%
GenderRelative Share
Male36.37%
Female19.78%
Joint Sex38.87%
Not Available4.98%
RaceRelative Share
American Indian / Alaska Native0.24%
Asian1.86%
Black / African American2.15%
Native Hawaiian / Other Pacific Islander0.05%
White85.54%
Mixed Race1.42%
Other Race8.74%
EthnicityRelative Share
Hispanic or Latino1.54%
Not Hispanic or Latino87.82%
Joint Ethnicity1.12%
Other Ethnicity9.52%

Miami County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act

Mortgage Loan Limits Near Miami County, Ohio

Get 2025 conforming and FHA mortgage loan limits for the areas surrounding Miami County, Ohio. Local loan limits and county-level mortgage data updated regularly.

View Nearby Counties:

Champaign County

View Loan Limits →

Montgomery County

View Loan Limits →

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