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FHA loans in Pawtucket, RI

Quick answer

The 2026 FHA loan limit in Pawtucket, RI (Providence County) is $787,750 for a single-family home, enough for a purchase price up to about $816,000 with 3.5% down. On the $286,200 median home value, that down payment is about $10,017 and the estimated payment is $2,544/month at 7.18%, which needs roughly $110,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $67,436; value-to-income ratio 4.24. Pawtucket ranks 10 by home value and 4 by population among 15 places in our RI dataset.

What does an FHA loan cost on a typical Pawtucket home?

ItemPawtucket
Median home value (Census ACS)$286,200
Rhode Island median home value$368,800
Down payment (3.5%)$10,017
Loan incl. 1.75% upfront MIP$281,016
Estimated monthly payment (PITI + MI)$2,544
Income needed (28% / 36%)$110,000 / $85,000
Providence County 2026 FHA limit (1 unit)$787,750
Max purchase price at the limit$816,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Rhode Island's 1.32% effective property tax rate (Census ACS), $2,396/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Pawtucket?

Pawtucket is in Providence County where HUD's 2026 one-unit FHA limit is $787,750. With the minimum 3.5% down, that caps the purchase price at about $816,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Pawtucket median home value of $286,200 is 22% below the Rhode Island median, and within what the county limit supports.

Which down payment assistance programs can Pawtucket buyers use?

FHA loans in nearby cities

Central FallsValley FallsProvidenceEast ProvidenceCranstonWoonsocket

FHA loan FAQs for Pawtucket

Pawtucket is in Providence County, where HUD's 2026 FHA limit for a one-unit home is $787,750. With 3.5% down, that supports a purchase price up to about $816,000.

3.5% of $286,200 is about $10,017 with a 580+ credit score (10%, or $28,620, with a 500–579 score), plus closing costs.

At the $286,200 median value (below the Rhode Island median of $368,800), the estimated payment of $2,544/month at 7.18% needs about $110,000 a year under the 28% housing guideline, or $85,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 1 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.