How much house can I afford on $190,000 in Rhode Island?
About $658,000 with 20% down ($528,000 with an FHA loan), using Rhode Island's 1.02% property tax rate.
That is $149,762 more than the typical Rhode Island home ($508,507), so a $190,000 salary can buy a typical home here. The payment of $4,433 covers $3,543 principal and interest, $562 property tax and $329 insurance.
Counties in Rhode Island you can afford on $190,000
3 of 5 counties have a typical home value at or below $658,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Bristol County | $650,424 | +3.2% | 1.29% |
| Providence County | $453,475 | +2.3% | 1.25% |
| Kent County | $441,067 | +4.4% | 1.35% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 1.02% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Rhode Island
Frequently asked questions
How much house can I afford on $190,000 in Rhode Island?
About $658,000 with 20% down at 7.11%, keeping the payment (with Rhode Island's 1.02% property tax and insurance) under $4,433 a month.
Is $190,000 enough to buy a house in Rhode Island?
Yes: the typical Rhode Island home is worth $508,507 (Zillow, September 2026) and $190,000 supports about $658,000. 3 of 5 counties are within budget.