Is ZIP 31014 eligible for a USDA loan?

The geographic center of ZIP 31014 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 31014?

For 31014 (Cochran, GA) the USDA Guaranteed 1–4 person household income limit is $122,800 and the 5–8 person household income limit is $162,100 (Bleckley 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 31014?

FHA limits are set by county , not by ZIP. For ZIP 31014 HUD lists 3 counties. The 2026 one-unit cap shown here is $718,750 ; 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 31014 — Cochran, GA

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

Bleckley County

1–4 person household income limit

$122,800

5–8 person household income limit

$162,100

Bleckley County (Primary): $122,800 / $162,100
Dodge County: $122,800 / $162,100
Twiggs County: $122,800 / $162,100
Pulaski County: $122,800 / $162,100

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2026 FHA loan limits

Bleckley County

1-unit

$541,287

2-unit

$693,050

3-unit

$837,700

4-unit

$1,041,125

Carroll County

1-unit

$718,750

2-unit

$920,150

3-unit

$1,112,250

4-unit

$1,382,250

Dodge 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 31014

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 31014

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Bleckley County FHA limits and USDA eligibility Carroll County FHA limits and USDA eligibility Dodge County FHA limits and USDA eligibility Georgia FHA limits and USDA eligibility USDA loan program FHA loan program