FHA Loan Limits in Providence County, Rhode Island (2026)
Buying in Providence County or elsewhere in Providence County? The 2026 FHA single-family limit across the county is $541,287. 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 Providence County — Providence County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Kent and Washington Counties.
FHA affordability around Providence County
Homes around Providence County carry an estimated local median near $420,000, so an FHA buyer in Providence County puts down about $14,700 (3.5%). With Rhode Island's 1.40% effective property-tax rate, the all-in payment runs near $3,332 a month — comfortable on household income around $129,000, above Rhode Island's $81,854 median household income, so budget carefully.
FHA payment scenarios in Providence County
Whether you are buying in Providence County or a smaller Providence County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $302,000 | $10,570 | $2,428 |
| Local median — $420,000 | $14,700 | $3,332 |
| 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 Providence County too — get notified.
Buyers across Providence County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $14,700 down payment near Providence County into little out of pocket.
Multi-unit FHA limits in Providence County
Investors and house-hackers in Providence County and across Providence County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Providence County for 2026?
- In Providence County (Providence 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 Providence County with FHA?
- For a median-priced ($420,000) Providence County home, plan on income around $129,000 at a 31% housing ratio — about $3,332/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Providence County?
- 3.5% with a 580+ score — roughly $14,700 on a $420,000 Providence County-area home. Gift funds are allowed.
- Is Providence County a high-cost FHA area?
- No — Providence County uses the $541,287 national floor for one unit.