Rhode Island Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 5 counties in Rhode Island. FHA limits in this state range from $541,287 to $541,287, while conforming limits range from $832,750 to $832,750.
2026 Loan Limits by County in Rhode Island
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Bristol County | $541,287 | $832,750 | $513,800 |
| 2 | Kent County | $541,287 | $832,750 | $366,100 |
| 3 | Newport County | $541,287 | $832,750 | $609,700 |
| 4 | Providence County | $541,287 | $832,750 | $373,600 |
| 5 | Washington County | $541,287 | $832,750 | $510,800 |
About Rhode Island's Mortgage Market
Rhode Island has 5 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Rhode Island range from $541,287 to $541,287 for a single-family home. Conforming limits range from $832,750 to $832,750.
Use our mortgage calculator to compute monthly payments using Rhode Island-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in Rhode Island?
The highest 2026 FHA limit in Rhode Island is $541,287 for a single-family home.
What is the maximum conforming loan limit in Rhode Island?
The highest 2026 conforming loan limit in Rhode Island is $832,750 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Rhode Island?
Rhode Island has 5 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.