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City · 7,332 residents · Washington County, Rhode Island

Kingston , Rhode Island

In Kingston, a typical home is worth $553,400. Compared with all of Washington County, the typical home value is 8% higher.

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  • Typical home value

    $553,400

    8% above the county

    37% above Rhode Island

    • Kingston
    • Washington
    • Rhode Island

  • Typical household income

    $107,404a year

    About the same as the county

    22% above Rhode Island

    • Kingston
    • Washington
    • Rhode Island

  • Households that own their home

    82%

    4 points above the county

    18 points above Rhode Island

    • Kingston
    • Washington
    • Rhode Island

Source: U.S. Census Bureau, Average 2020–2024

Kingston is in Washington County. The FHA loan limit ($787,750 for a one-unit home), the fair market rents and the help on this page are those of all of Washington County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Kingston apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Warwick, the typical home value is $354,600: 36% less than in Kingston ($553,400).

  2. Kingston has the 2nd highest typical household income of the 16 cities in Rhode Island with more than 5,000 people ($107,404).

  3. Kingston has the 2nd highest typical home value of the 16 cities in Rhode Island with more than 5,000 people ($553,400).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Kingston

What homes there are in Kingston, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 88% of homes here, against 77% in Washington County.

Year built

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,490 a month

Washington County: $2,364 a month

Without a mortgage

$636 a month

Washington County: $947 a month

Owners with a mortgage

63%

Washington County: 65%

Owning costs more in Kingston: with a mortgage, the typical cost is $2,490 a month; in Washington County, $2,364. Without one, $636.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Kingston gained value faster than in Washington County: 56% against 49%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureKingstonWashington CountyRhode IslandUnited States
Rental vacancy Unreliable estimate4.9%4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.6%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.2%3.4%
People per household 2.722.342.392.53
Drive alone 48%76%72%69%
Carpool Unreliable estimate5%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike 33%3%3%3%
Work from home 12%15%13%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Kingston are bigger: 2.72 people on average; in Washington County, 2.34.

Many here get to work on foot or by bike: 33%, more than in Washington County (3%).

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Kingston?

A typical home costs more than the typical income allows

We start with a typical home in Kingston, worth $553,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Kingston, which is $107,404 a year. For that payment to be 28% of income, a household would need to earn about $195,127 a year.

The calculator's FHA and conventional loan limits are those of all of Washington County.

Your numbers

Local data
$

Starts at the typical home value in Kingston. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $19,369 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$4,553

at 7.18% · 30 years

Loan amount
$543,377
Total interest
$781,791
Paid off in
November 2056

Includes $9,346 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,506 a month

  • Tight

    $2,506 to $3,222 a month

  • Hard

    more than $3,222 a month

    Your payment · 51%

Compared with the typical household income in Kingston ($107,404 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,553
Principal & interest$3,681
Property tax$397
Home insurance$231
FHA mortgage insurance (MIP)$245

You need at least $19,369 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Kingston and Washington County

Kingston is in Washington County, Rhode Island. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Kingston's own numbers

Typical home value
$553,400
Typical yearly household income
$107,404
Households that own their home
82%
Effective property tax rate
0.86%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Washington County

FHA limit, one-unit home
$787,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,832–$1,879
Price change over 5 years (FHFA)
+66%
Homes in a high flood-risk zone
9.5%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Washington County.

Everything about Washington County

Buying

Buying a home in Kingston

A typical home in Kingston is worth $553,400: 8% above the county and 37% above Rhode Island. With the typical household income in Kingston ($107,404 a year), a typical home costs 5.2 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Kingston 5.2 years
  • Washington 4.8 years
  • Rhode Island 4.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Washington County

According to FHFA’s house price index, home prices in Washington County rose 108% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Washington County.

Period County Rhode Island U.S.
Last year (2025) +6.3% +5.4% +2.9%
5 years (2020–2025) +66% +65% +47%
10 years (2015–2025) +108% +112% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Kingston next to Washington County, Rhode Island and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Kingston $553,400
  • Washington $510,800
  • Rhode Island $404,200
  • United States $332,700
Typical yearly household income
  • Kingston $107,404
  • Washington $106,638
  • Rhode Island $87,796
  • United States $80,734
See the full table
Kingston next to Washington County and Rhode Island
Measure Kingston Washington County Rhode Island U.S.
Typical home value $553,400 $510,800 $404,200 $332,700
Typical yearly household income $107,404 $106,638 $87,796 $80,734
Households that own their home 82% 78% 64% 65%
Typical yearly property tax $4,763 $5,102 $4,900 $3,119
Effective property tax rate 0.86% 1% 1.21% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Washington County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Kingston

For a typical $553,400 home in Kingston, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kingston's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,553a month

    Least cash to close
    Down payment
    $19,369
    Cash to close
    $35,971
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $245

  • Conventional, 5% down $4,452a month

    Down payment
    $27,670
    Cash to close
    $44,272
    Rate
    7.18%
    Mortgage insurance
    PMI · $263

  • Conventional, 20% down, no PMI $3,626a month

    Down payment
    $110,680
    Cash to close
    $127,282
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,138a month

    Down payment
    $83,010
    Cash to close
    $99,612
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Kingston and for Washington County.

Property tax

Effective rate in Kingston

0.86%of the home’s value each year

$4,763 a year for the typical owner in Kingston.

  • Kingston 0.86%
  • Washington 1%
  • Rhode Island 1.21%

What Rhode Island publishes Homestead exemption from your city or town (Rhode Island General Assembly (Rhode Island General Laws, Title 44))

Exemptions and deadlines in Rhode Island

Flood risk in Washington County

FEMA does not publish these numbers by city: they are for all of Washington County.

Homes in the high-risk zone
9.5%
4,832
Of those, with NFIP insurance
49%
County Rhode Island U.S.
Homes in the high-risk zone 9.5% 3.7% 3.5%
Of those, with NFIP insurance 49% 49% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Kingston

The Census Bureau publishes no typical rent for Kingston. Below are the fair market rents for Washington County.

HUD publishes a fair market rent for each area of Washington County. In Providence-Fall River, RI-MA HUD Metro FMR Area, the area where most people live, to pay the 2-bedroom one ($1,879 a month) without spending more than 30% of your income, you would need to earn $36.13 an hour working full time.

Fair market rent by size in Providence-Fall River, RI-MA HUD Metro FMR Area

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,423 $27.37 $56,920
1 bedroom $1,509 $29.02 $60,360
2 bedrooms $1,879 $36.13 $75,160
3 bedrooms $2,302 $44.27 $92,080
4 bedrooms $2,615 $50.29 $104,600

HUD splits this county into 2 areas with different fair market rents: for 2 bedrooms they run from $1,832 to $1,879. The table by area, below, shows which one each town is in.

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

Fair market rent by HUD area in Washington County

HUD splits this county into 2 areas, each with its own fair market rent. Find your town in its area's list; the housing agency tells you which one it uses for your voucher.

HUD area Studio1 bd2 bd3 bd4 bdHourly wage, 2 bd
Providence-Fall River, RI-MA HUD Metro FMR Area The area where most people live
6 towns in this area

Charlestown town, Exeter town, Narragansett town, North Kingstown town, Richmond town, South Kingstown town

 $1,423$1,509$1,879$2,302$2,615$36.13
Westerly-Hopkinton-New Shoreham, RI HUD Metro FMR Area
3 towns in this area

Hopkinton town, New Shoreham town, Westerly town

 $1,391$1,400$1,832$2,325$2,758$35.23

HUD fair market rent by area and size, per month, Fiscal year 2027. The wage is what full-time work must pay to rent 2 bedrooms without spending more than 30% of income. Source: HUD, Fiscal year 2027 Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

By ZIP code

Fair market rent by ZIP code in Kingston

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kingston has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,940 in 02881 to $1,980 in 02879.

  • 02879 $1,980$2,430
  • 02881 $1,940$2,380

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Kingston when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Kingston

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Washington County. The nearest ones are below; many serve by phone or online.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Kingston

No down payment, repair or rent-help program on our list is for Kingston or Washington County. The ones below are statewide in Rhode Island: they work in Kingston the same as in the rest of the state.

Which programs do I qualify for? All programs in Rhode Island

  • 15kDPA

    Statewide in Rhode Island

    Rhode Island state agency loan of $15,000 at 0% with no monthly payments for the down payment or closing costs of first-time buyers with a RIHousing mortgage; repaid when you sell or leave the home. Offered by RIHousing.

    Deferred

    See the program Official page

  • Extra Assistance

    Statewide in Rhode Island

    RIHousing second mortgage for first-time buyers, of up to 6% of the price or $20,000 (whichever is less) for the down payment, which you repay over 15 years at the same rate as your RIHousing mortgage. Offered by RIHousing.

    Repayable

    See the program Official page

Housing counselors near Kingston

The HUD-approved agencies closest to the center of Kingston, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • West Elmwood Housing Development Corporation

    224 Dexter St, Providence · 24 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (401) 453-3220

  • Providence Housing Authority

    50 Laurel Hill Ave, Providence · 24 miles away · Spanish

    Also serves in American Sign Language (ASL) and Portuguese.

    • Budget and credit workshops
    • Workshops for new owners
    • and 2 more
    (401) 751-6400

  • Rhode Island Housing Help Center

    44 Washington St, Providence · 25 miles away · Spanish

    • Mortgage delinquency and default
    (401) 457-1000

All counseling agencies in Rhode Island

Help in Spanish near Kingston

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Kingston

In HUD’s record, no housing authority with an office in Washington County is named for Kingston or Washington County.

3 other authorities have an office in Washington County: see the list Source: HUD

Cities

Other cities in Washington County

These cities are also in Washington County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Washington County Housing in Rhode Island

Nearby cities

The cities closest to Kingston, with the typical home value.

Neighboring counties

If Washington County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Kingston.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Kingston

Short answers with the numbers for Kingston and all of Washington County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Kingston?

The typical home value in Kingston is $553,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Washington County it is $510,800.

What is the FHA loan limit in Kingston?

Kingston uses the FHA limit for all of Washington County (2026): $787,750 for a one-unit home and $1,514,950 for a four-unit home.

How much property tax do owners pay in Kingston?

The typical homeowner in Kingston pays $4,763 a year, according to the U.S. Census Bureau. That is 0.86% of the home’s value; in Washington County, the rate is 1%.

Where can I find free help to buy or rent in Kingston?

We found no HUD-approved counseling agencies with an office in Washington County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).