Local costs · Rhode Island
What a home costs across Rhode Island
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Rhode Island, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $2,074 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- Rhode Island conveyance tax: 0.75% of price — seller customarily paysOn the $455,700 state median home, the buyer’s customary share is about $0; the seller customarily covers about $3,418.
- Title insurance
- Rhode Island uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- Rhode Island income tax is modeled at about 2.52% effective for a married household at $100,000 (3.15% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.
All 5 counties in Rhode Island
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Bristol County | 1.29% | $1,340–$2,990typical $2,060 |
| Kent County | 1.35% | $1,360–$3,030typical $2,090 |
| Newport County | 0.89% | $1,350–$3,020typical $2,080 |
| Providence County | 1.25% | $1,340–$2,990typical $2,060 |
| Washington County | 1.00% | $1,370–$3,060typical $2,110 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.