Is ZIP 23231 eligible for a USDA loan?

The geographic center of ZIP 23231 sits outside USDA’s ineligible-area boundaries, so homes here are likely eligible for $0 down USDA financing if household income is at or under the area cap. Two houses across the street can still get different answers. Confirm any address with a USDA-approved lender.

What is the USDA income limit for ZIP 23231?

For 23231 (Henrico, VA) the USDA Guaranteed 1–4 person household income limit is $130,550 and the 5–8 person household income limit is $172,350 (Henrico County). USDA counts income for all adults in the home. Deductions for dependents and childcare can bring adjusted income under the cap. See the income limits map .

What is the FHA loan limit for ZIP 23231?

FHA limits are set by county , not by ZIP. For ZIP 23231 HUD lists 6 counties. The 2026 one-unit cap shown here is $707,250 ; this ZIP lists more than one county cap — the property address picks the county. Limits are higher for 2–4 unit homes. See the FHA loan limits map .

If the property is not USDA eligible, can I still use FHA?

Yes. USDA property eligibility is a location test. FHA does not use that rural/suburban map. If USDA is off the table for the address, FHA is often the next 3.5% down option, as long as the loan stays at or under the county FHA cap and you meet FHA credit and occupancy rules.

FHA loan limits and USDA eligibility for ZIP 23231 — Henrico, VA

FHA county loan caps, USDA property eligibility, and USDA household income limits for this ZIP. USDA looks possible here if income is under the cap.

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USDA property eligibility

Likely eligible for $0 down

Based on the ZIP’s geographic center vs USDA ineligible-area boundaries. The official test is the property address.

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USDA income limits

Henrico County

1–4 person household income limit

$130,550

5–8 person household income limit

$172,350

Henrico County (Primary): $130,550 / $172,350
Charles City County: $130,550 / $172,350
Richmond city: $130,550 / $172,350

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2026 FHA loan limits

Charles City County

1-unit

$707,250

2-unit

$905,400

3-unit

$1,094,450

4-unit

$1,360,100

Charlotte County

1-unit

$541,287

2-unit

$693,050

3-unit

$837,700

4-unit

$1,041,125

Hanover County

1-unit

$707,250

2-unit

$905,400

3-unit

$1,094,450

4-unit

$1,360,100

Henrico County

1-unit

$707,250

2-unit

$905,400

3-unit

$1,094,450

4-unit

$1,360,100

Richmond City

1-unit

$707,250

2-unit

$905,400

3-unit

$1,094,450

4-unit

$1,360,100

Richmond County

1-unit

$541,287

2-unit

$693,050

3-unit

$837,700

4-unit

$1,041,125

This ZIP lists more than one county cap. The property address picks the county on the loan.

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Confirm loan options for this ZIP

Maps and ZIP lookups are a first look. A licensed lender can confirm the address, income, and the official cap.

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Loan options for 23231

A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific address — then match you if you qualify.

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FAQ for ZIP 23231

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Charles City County FHA limits and USDA eligibility Charlotte County FHA limits and USDA eligibility Hanover County FHA limits and USDA eligibility Henrico County FHA limits and USDA eligibility Richmond City FHA limits and USDA eligibility Richmond County FHA limits and USDA eligibility Virginia FHA limits and USDA eligibility USDA loan program FHA loan program