FHA Loan Limits in Kent County, Rhode Island (2026)
From Kent County, FHA buyers in Kent County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of New England.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in Kent County — Kent County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Providence and Washington Counties.
What can you buy with FHA in Kent County?
With Kent County's median sale price estimated near $395,000 (think Kent County), the FHA down payment is roughly $13,825. Factoring Rhode Island property taxes near 1.40%, expect about $3,140 monthly, pointing to income near $122,000 — above Rhode Island's $81,854 median household income, so budget carefully.
FHA payment scenarios in Kent County
Here is what an FHA payment looks like at three Kent County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $284,000 | $9,940 | $2,291 |
| Local median — $395,000 | $13,825 | $3,140 |
| At the FHA limit — $541,287 | $18,945 | $4,260 |
Estimates include FHA MIP plus Rhode Island property taxes and insurance. Rates move daily near Kent County too — get notified.
Buyers across Kent County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $13,825 down payment near Kent County into little out of pocket.
Multi-unit FHA limits in Kent County
Looking at a duplex or fourplex near Kent County? FHA allows up to $692,997 on two units and $1,041,072 on four in Kent County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Kent County for 2026?
- In Kent County (Kent County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Kent County with FHA?
- For a median-priced ($395,000) Kent County home, plan on income around $122,000 at a 31% housing ratio — about $3,140/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Kent County?
- 3.5% with a 580+ score — roughly $13,825 on a $395,000 Kent County-area home. Gift funds are allowed.
- Is Kent County a high-cost FHA area?
- No — Kent County uses the $541,287 national floor for one unit.