The calculator below is pre-filled with Providence County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Rhode Island's statewide figures.
County data last updated 2026-08-28. FIPS 44007. Full source list on /methodology.
All-in cost first, always — pre-filled with Providence County tax and insurance figures. Estimate only, not a loan quote or pre-approval.
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How much house can I afford in Rhode Island? →Fewer listings, fewer buyers, and sellers who have a reason to be on the market in December. Here is what a winter discount is actually worth on a $400,000 house — in monthly payment, in lifetime interest, and in the seller concessions a quiet market makes possible — and the three ways a winter purchase goes wrong.
Rhode Island's 0.75% conveyance tax is the seller's bill by statute. But at a $525,000 median price, you still need roughly $120,750 in cash to close.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.
RIHousing's primary first mortgage program, offering up to 100% financing (no down payment required) plus down payment/closing-cost assistance for eligible buyers statewide, available through RIHousing's Loan Center or participating lenders. Loan Center mortgages are subject to household income limits that vary by area and household size; participating-lender loans are not income-restricted the same way.
0%-interest, no-monthly-payment second loan providing $15,000 for down payment and/or closing costs, repaid only when the borrower sells, transfers, or vacates the home; must be paired with a RIHousing-funded first mortgage from a Participating Lender or the Loan Center. Minimum 660 credit score.