Providence County, Rhode Island has a 2026 one-unit conforming loan limit of $832,750, which is 2.2 times the county's median home value of $373,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $78,787 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $373,600 |
| Rhode Island median home value | $404,200 |
| Limit ÷ median home value | 2.23× |
| Median household income | $78,787 |
| Median home value ÷ income | 4.7× |
| Population | 664,854 |
| Median property tax paid (owners) | $4,683 |
| Effective property tax rate (approx.) | 1.25% |
| Owner-occupied homes | 56.9% |
| Home value rank in Rhode Island | 4 of 5 counties |
| Neighbor: Northeastern Connecticut Planning Region, CT | limit $832,750; median home $307,600 |
| Neighbor: Bristol County, MA | limit $832,750; median home $451,200 |
| Neighbor: Norfolk County, MA | limit $962,550; median home $683,900 |
| Neighbor: Worcester County, MA | limit $832,750; median home $423,700 |
| Neighbor: Bristol County, RI | limit $832,750; median home $513,800 |
| Neighbor: Kent County, RI | limit $832,750; median home $366,100 |
Across Rhode Island's 5 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Providence County's median home value is 8% below the state median of $404,200 (rank 4 of 5). Among its 6 neighboring counties, Norfolk County has the highest median home value ($683,900) and Northeastern Connecticut Planning Region the lowest ($307,600); 1 neighbor(s) have a different loan limit. Owners pay a median $4,683 a year in property tax, an effective rate of about 1.25% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
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Last updated 2026-10-16. Data only, not financial or tax advice.