Highest FHA limit in Rhode Island
$787,750
In 2026, FHA one-unit limits in Rhode Island range from $787,750 to $787,750 (Bristol County). 0 of 5 counties use the national floor.
0 of 5counties at the $541,287 floor
All Rhode Island counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Bristol County | $787,750 | $1,008,450 | $1,514,950 | $832,750 |
| Kent County | $787,750 | $1,008,450 | $1,514,950 | $832,750 |
| Newport County | $787,750 | $1,008,450 | $1,514,950 | $832,750 |
| Providence County | $787,750 | $1,008,450 | $1,514,950 | $832,750 |
| Washington County | $787,750 | $1,008,450 | $1,514,950 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in Rhode Island for 2026?
In 2026, FHA one-unit limits in Rhode Island range from $787,750 to $787,750 (Bristol County). 0 of 5 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.