What are the loan limits in each Rhode Island county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Bristol County | $832,750 | $787,750 | $1,008,450 | $468,000 |
| Kent County | $832,750 | $787,750 | $1,008,450 | $333,900 |
| Newport County | $832,750 | $787,750 | $1,008,450 | $559,700 |
| Providence County | $832,750 | $787,750 | $1,008,450 | $339,100 |
| Washington County | $832,750 | $787,750 | $1,008,450 | $469,800 |
Which Rhode Island counties are high-cost areas?
No Rhode Island county is above the national baseline, so the conforming limit is $832,750 statewide.
Largest cities in Rhode Island
Frequently asked questions
FHA one-unit limits in Rhode Island start at $787,750. In Providence County, the most populous county, it's $787,750.
The 2026 one-unit conforming limit in Providence County is $832,750.
With 3.5% down, the $787,750 FHA floor supports a price of about $816,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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