Rhode Island conforming loan limits 2026
Rhode Island has 5 counties. Every county uses the $832,750 baseline — no part of the state qualifies for a high-cost limit.
No part of it qualifies for a high-cost figure, so every county here uses the $832,750 baseline. For 2026, the figure moved in 5 of its 5 counties and 0 stayed the same.
Rhode Island ranks 49th of 56 jurisdictions by county count, and 23rd by highest limit. Of its counties, 5 sit inside a metropolitan or micropolitan area — that is all of them, across 1 such area. None of its counties shares a statistical area with a county on a higher figure elsewhere.
All counties in Rhode Island
| County | 1-unit 2026 | 2025 | 2024 | Change | Counties sharing this figure |
|---|---|---|---|---|---|
| Bristol County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Kent County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Newport County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Providence County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Washington County | $832,750 | $806,500 | $766,550 | +3.3% | — |
Where several counties carry the same figure, it is set for the metropolitan or micropolitan area they belong to rather than for the county line. County names in the table link to the figure that applies to them, or to the calculator for counties on the baseline.
Frequently asked
Does all of Rhode Island use the baseline conforming loan limit?
Yes — all 5 counties use the $832,750 baseline in 2026.
What counts as a jumbo loan in Rhode Island?
Any mortgage above the figure for the area where the property is. In baseline counties that is a loan above $832,750.
Can I check a county that has no page of its own?
The calculator covers all 3235 counties, including every county listed above.