Mortgage lender in Hamilton County, OH

Buying in Hamilton County

Hamilton County, with its county seat in Cincinnati, also takes in Norwood, Blue Ash, Forest Park, Sharonville and Colerain, Green and Anderson townships. Hamilton County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Ohio, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$541,287 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

title company

State housing agency

Ohio Housing Finance Agency (OHFA) (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Hamilton County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Hamilton County: Cincinnati and its hills

Cincinnati’s neighborhoods, from Hyde Park and Oakley to Northside and Over-the-Rhine, have housing a century old or more, including many two- to four-unit buildings. Buying one to live in follows owner-occupant rules. Renovated homes and condominiums in converted buildings are common in the urban core, and both get a closer look from an appraiser.

The city is built on hills, and hillside lots can raise questions about retaining walls and slope stability that an inspection should cover. Many buyers work across the river in Kentucky or live there and work here; either way the income counts normally. The western and northern townships are suburban, with more moderate prices.

Hamilton County by the numbers

Median home value

$241,900 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.51% of home value a year: median tax bill $3,652 on a median value of $241,900 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

County conveyance fee plus a county transfer tax of up to $3 per $1,000 of value, so the rate depends on the county (Ohio Revised Code § 322.02)

Largest communities

Cincinnati, Forest Park, White Oak, Norwood (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $241,900. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Ohio

Closings in Ohio are typically handled by a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Ohio page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Hamilton County buyers ask

Ohio notice. Stellar Mortgage Corporation, NMLS #2190975, 729 Grove Ave., Second Floor, Southampton, PA 18966.

Limits shown are the 2026 FHFA and HUD figures for Hamilton County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.