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City · 75,893 residents · Providence County, Rhode Island

Pawtucket , Rhode Island

In Pawtucket, a typical home is worth $325,500 and typical rent is $1,208 a month. Compared with all of Providence County, typical household income is 13% lower, the typical home value is 13% lower, and the share of households that own their home is 7 points lower.

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  • Typical home value

    $325,500

    13% below the county

    19% below Rhode Island

    • Pawtucket
    • Providence
    • Rhode Island

  • Typical rent

    $1,208a month

    8% below the county

    10% below Rhode Island

    • Pawtucket
    • Providence
    • Rhode Island

  • Typical household income

    $68,310a year

    13% below the county

    22% below Rhode Island

    • Pawtucket
    • Providence
    • Rhode Island

  • Households that own their home

    50%

    7 points below the county

    14 points below Rhode Island

    • Pawtucket
    • Providence
    • Rhode Island

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

Market now, with Zillow data

Zillow data
Typical home value
$399,302
1.8% more than 12 months ago
Typical rent
$1,866 a month
4.4% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Pawtucket is in Providence 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 Providence County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Pawtucket apart

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

  1. Pawtucket has the 2nd lowest typical home value of the 16 cities in Rhode Island with more than 5,000 people ($325,500).

  2. 50% of households in Pawtucket own their home, against 57% in Providence County.

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

The homes here

Housing in Pawtucket

What homes there are in Pawtucket, 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

In Pawtucket there is a bit of everything: no kind of home reaches half. The most common are buildings of 2 to 4 homes (41%), more than in Providence County (30%).

Year built

In Pawtucket, half of the homes were built before 1947; in Providence County, before 1956.

Homes in Pawtucket are smaller: 44% have 3 bedrooms or more; in Providence County, 50%.

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

By price, most homes in Pawtucket sit under the FHA limit for Providence County ($787,750): about 98%.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Providence County is $1,879; about 90% of rents in Pawtucket are below it.

With a mortgage

$1,923 a month

Providence County: $2,152 a month

Without a mortgage

$808 a month

Providence County: $872 a month

Owners with a mortgage

71%

Providence County: 68%

Owning costs less in Pawtucket: with a mortgage, the typical cost is $1,923 a month; in Providence County, $2,152. Without one, $808.

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 Pawtucket gained value faster than in Providence County: 67% against 60%.

Since 2015–2019, the typical rent in Pawtucket rose 31%, less than in Providence County (36%).

To compare: typical income in Pawtucket rose 35%; the home, +67%; the rent, +31%.

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

MeasurePawtucketProvidence CountyRhode IslandUnited States
Rental vacancy 2.1%4.0%4.2%5.5%
Homeowner vacancy Unreliable estimate0.6%0.6%0.9%
More than one person per room 3.8%3.0%2.2%3.4%
People per household 2.462.462.392.53
Drive alone 75%71%72%69%
Carpool 8%9%8%9%
Public transit 3%2%2%3%
Walk or bike 2%4%3%3%
Work from home 9%12%13%15%
Other means 2%3%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Pawtucket, the rental vacancy rate is 2.1%; in Providence County, 4.0%.

Much as in Providence County, 3.8% of households in Pawtucket have more than one person per room.

By size, households in Pawtucket look like those in Providence County: 2.46 people on average.

To get to work, 75% of workers in Pawtucket drive alone; in Providence County, 71%.

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 Pawtucket?

A typical home costs more than the typical income allows

We start with a typical home in Pawtucket, worth $325,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Pawtucket, which is $68,310 a year. For that payment to be 28% of income, a household would need to earn about $119,420 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Pawtucket. 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 $11,393 (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

$2,786

at 7.18% · 30 years

Loan amount
$319,604
Total interest
$459,835
Paid off in
November 2056

Includes $5,497 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,594 a month

  • Tight

    $1,594 to $2,049 a month

  • Hard

    more than $2,049 a month

    Your payment · 49%

Compared with the typical household income in Pawtucket ($68,310 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,786
Principal & interest$2,165
Property tax$342
Home insurance$136
FHA mortgage insurance (MIP)$144

You need at least $11,393 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

Pawtucket and Providence County

Pawtucket is in Providence 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).

Pawtucket's own numbers

Typical home value
$325,500
Typical monthly rent
$1,208
Typical yearly household income
$68,310
Households that own their home
50%
Effective property tax rate
1.26%

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

Numbers for all of Providence County

FHA limit, one-unit home
$787,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,879
Price change over 5 years (FHFA)
+65%
Homes in a high flood-risk zone
0.4%

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 Providence County.

Everything about Providence County

Buying

Buying a home in Pawtucket

A typical home in Pawtucket is worth $325,500: 13% below the county and 19% below Rhode Island. With the typical household income in Pawtucket ($68,310 a year), a typical home costs 4.8 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.

  • Pawtucket 4.8 years
  • Providence 4.7 years
  • Rhode Island 4.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Providence County

According to FHFA’s house price index, home prices in Providence County rose 116% in the 10 years through 2025.

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

Period County Rhode Island U.S.
Last year (2025) +5.3% +5.4% +2.9%
5 years (2020–2025) +65% +65% +47%
10 years (2015–2025) +116% +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

Pawtucket next to Providence 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
  • Pawtucket $325,500
  • Providence $373,600
  • Rhode Island $404,200
  • United States $332,700
Typical monthly rent
  • Pawtucket $1,208
  • Providence $1,312
  • Rhode Island $1,342
  • United States $1,413
Typical yearly household income
  • Pawtucket $68,310
  • Providence $78,787
  • Rhode Island $87,796
  • United States $80,734
See the full table
Pawtucket next to Providence County and Rhode Island
Measure Pawtucket Providence County Rhode Island U.S.
Typical home value $325,500 $373,600 $404,200 $332,700
Typical monthly rent $1,208 $1,312 $1,342 $1,413
Typical yearly household income $68,310 $78,787 $87,796 $80,734
Households that own their home 50% 57% 64% 65%
Typical yearly property tax $4,115 $4,683 $4,900 $3,119
Effective property tax rate 1.26% 1.25% 1.21% 0.94%
Renters with high rent for their income 46% 47% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Providence 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 Pawtucket

For a typical $325,500 home in Pawtucket, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pawtucket's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,786a month

    Least cash to close
    Down payment
    $11,393
    Cash to close
    $21,158
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $144

  • Conventional, 5% down $2,727a month

    Down payment
    $16,275
    Cash to close
    $26,040
    Rate
    7.18%
    Mortgage insurance
    PMI · $155

  • Conventional, 20% down, no PMI $2,241a month

    Down payment
    $65,100
    Cash to close
    $74,865
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,542a month

    Down payment
    $48,825
    Cash to close
    $58,590
    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 Pawtucket and for Providence County.

Property tax

Effective rate in Pawtucket

1.26%of the home’s value each year

$4,115 a year for the typical owner in Pawtucket.

  • Pawtucket 1.26%
  • Providence 1.25%
  • 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 Providence County

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

Homes in the high-risk zone
0.4%
649
Of those, with NFIP insurance
58%
County Rhode Island U.S.
Homes in the high-risk zone 0.4% 3.7% 3.5%
Of those, with NFIP insurance 58% 49% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Pawtucket

Typical rent in Pawtucket is $1,208 a month: 8% below the county. In Pawtucket, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Providence County, by unit size. 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.

HUD fair market rent for all of Providence County

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

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

By ZIP code

Fair market rent by ZIP code in Pawtucket

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

For 2 bedrooms it runs from $1,720 in 02860 to $1,770 in 02861.

None is above the fair market rent for Providence County ($1,879).

  • 02860 $1,720$2,110
  • 02861 $1,770$2,170

A ZIP code counts for Pawtucket 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?

Low-income apartments

Low-income apartments in Pawtucket

HUD lists 41 buildings with rents for lower incomes in Pawtucket. These are the largest.

  • John E Fogarty Housing 214 Roosevelt Ave, Pawtucket 02860 250 homes, 248 low-income · Run by Housing Authority of the City of Pawtucket · Average payment: $431 a month · Average wait: 18 months (401) 721-6000
  • Historic Prospect Heights II 560 Prospect St, Pawtucket 02860 190 low-income homes · For families
  • John F Kennedy Housing 175 Broad St, Pawtucket 02860 197 homes, 171 low-income · Run by Housing Authority of the City of Pawtucket · Average payment: $405 a month · Average wait: 15 months (401) 721-6000
  • Galego Court 80 Leonard Jenard Dr, Pawtucket 02860 164 homes, 163 low-income · Run by Housing Authority of the City of Pawtucket · Average payment: $634 a month · Average wait: 20 months (401) 721-6000
  • Slater Hill Apartments 10 George St, Pawtucket 02860 152 low-income homes · For families (401) 725-1166

See all 334 buildings in Providence County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Pawtucket

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.

There are 5 HUD-approved agencies with an office in Providence County; 5 say they serve in Spanish.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Pawtucket

1 program is for Pawtucket or Providence County, by its own record: they come first, each with what its official page says about being open. The ones below are statewide in Rhode Island: they work in Pawtucket the same as in the rest of the state.

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

  • FirstGenHomeRI

    For Pawtucket

    Limited funds remain, per the source

    RIHousing pilot help of $25,000 for the down payment or closing costs of first-generation buyers who now live in certain cities; no interest or payments, and not repaid if you live in the home five years. Offered by RIHousing.

    Forgivable

    See the program Official page

  • 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 Pawtucket

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

  • Pawtucket Central Falls Development Corporation

    204 Broad St, Pawtucket · 1 miles away · Spanish

    • Pre-purchase counseling
    • Homebuyer education workshops
    401-726-1173-12

  • Rhode Island Housing Help Center

    44 Washington St, Providence · 4 miles away · Spanish

    • Mortgage delinquency and default
    (401) 457-1000

  • West Elmwood Housing Development Corporation

    224 Dexter St, Providence · 5 miles away · Spanish

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

Every agency in Providence County All counseling agencies in Rhode Island

Help in Spanish near Pawtucket

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 Pawtucket

HUD’s record names them for Pawtucket or Providence County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the City of Pawtucket Public housing and Section 8 vouchers (401) 721-6000

13 other authorities have an office in Providence County: see the list Source: HUD

Cities

Other cities in Providence County

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

Everything about Providence County Housing in Rhode Island

Nearby cities

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

Neighboring counties

If Providence 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 Pawtucket.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Pawtucket

Short answers with the numbers for Pawtucket and all of Providence 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 Pawtucket?

The typical home value in Pawtucket is $325,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Providence County it is $373,600.

How much does it cost to rent in Pawtucket?

Typical rent in Pawtucket is $1,208 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Providence County is $1,879.

What is the FHA loan limit in Pawtucket?

Pawtucket uses the FHA limit for all of Providence 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 Pawtucket?

The typical homeowner in Pawtucket pays $4,115 a year, according to the U.S. Census Bureau. That is 1.26% of the home’s value; in Providence County, the rate is 1.25%.

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

There are 5 HUD-approved counseling agencies with an office in Providence County. 5 say they serve in Spanish. 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).