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City · 8,091 residents · Newport County, Rhode Island

Tiverton , Rhode Island

In Tiverton, a typical home is worth $407,200 and typical rent is $1,342 a month. Compared with all of Newport County, the typical home value is 33% lower and typical rent is 22% lower.

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  • Typical home value

    $407,200

    33% below the county

    About the same as Rhode Island

    • Tiverton
    • Newport
    • Rhode Island

  • Typical rent

    $1,342a month

    22% below the county

    About the same as Rhode Island

    • Tiverton
    • Newport
    • Rhode Island

  • Typical household income

    $99,158a year

    4% below the county

    13% above Rhode Island

    • Tiverton
    • Newport
    • Rhode Island

  • Households that own their home

    73%

    5 points above the county

    9 points above Rhode Island

    • Tiverton
    • Newport
    • Rhode Island

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

Market now, with Zillow data

Zillow data
Typical home value
$551,257
2.5% more than 12 months ago

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

Tiverton is in Newport 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 Newport County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Tiverton apart

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

  1. Tiverton has the smallest share of rent-burdened renters of the 15 cities in Rhode Island with more than 5,000 people: 32%.

  2. The typical home in Tiverton is worth $407,200, 33% less than in Newport County as a whole ($609,700).

  3. The typical rent in Tiverton is $1,342 a month, 22% less than in Newport County as a whole ($1,713).

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

The homes here

Housing in Tiverton

What homes there are in Tiverton, 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 Tiverton, 7 in 10 homes are single-family detached houses; in Newport County, 6.

Year built

The typical home in Tiverton was built in 1958, 5 years before the typical one in Newport County.

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

$1,940 a month

Newport County: $2,622 a month

Without a mortgage

$920 a month

Newport County: $1,030 a month

Owners with a mortgage

56%

Newport County: 58%

The typical cost for an owner with a mortgage in Tiverton is $1,940 a month, less than in Newport County ($2,622); without one, $920.

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

Much as in Newport County, the typical home value in Tiverton rose 57% since 2015–2019.

Rents in Tiverton rose faster than in Newport County: 43% since 2015–2019, against 33%.

The typical household income in Tiverton rose 46% over that time; home values changed +57% and rent +43%.

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

MeasureTivertonNewport CountyRhode IslandUnited States
Rental vacancy Unreliable estimate5.9%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 2.302.192.392.53
Drive alone 77%70%72%69%
Carpool 11%6%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate6%3%3%
Work from home 10%16%13%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Tiverton are bigger: 2.30 people on average; in Newport County, 2.19.

In Tiverton, 11% of workers share a car to get to work; in Newport County, 6%.

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 Tiverton?

A typical home costs more than the typical income allows

We start with a typical home in Tiverton, worth $407,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Tiverton, which is $99,158 a year. For that payment to be 28% of income, a household would need to earn about $147,359 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Tiverton. 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 $14,252 (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

$3,438

at 7.18% · 30 years

Loan amount
$399,825
Total interest
$575,254
Paid off in
November 2056

Includes $6,877 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,314 a month

  • Tight

    $2,314 to $2,975 a month

  • Hard

    more than $2,975 a month

    Your payment · 42%

Compared with the typical household income in Tiverton ($99,158 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,438
Principal & interest$2,709
Property tax$380
Home insurance$170
FHA mortgage insurance (MIP)$180

You need at least $14,252 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

Tiverton and Newport County

Tiverton is in Newport 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).

Tiverton's own numbers

Typical home value
$407,200
Typical monthly rent
$1,342
Typical yearly household income
$99,158
Households that own their home
73%
Effective property tax rate
1.12%

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

Numbers for all of Newport County

FHA limit, one-unit home
$787,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,879–$2,507
Price change over 5 years (FHFA)
+67%
Homes in a high flood-risk zone
6.8%

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 Newport County.

Everything about Newport County

Buying

Buying a home in Tiverton

A typical home in Tiverton is worth $407,200: 33% below the county and about the same as Rhode Island. With the typical household income in Tiverton ($99,158 a year), a typical home costs 4.1 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.

  • Tiverton 4.1 years
  • Newport 5.9 years
  • Rhode Island 4.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Newport County

According to FHFA’s house price index, home prices in Newport County rose 115% in the 10 years through 2025.

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

Period County Rhode Island U.S.
Last year (2025) +6.8% +5.4% +2.9%
5 years (2020–2025) +67% +65% +47%
10 years (2015–2025) +115% +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

Tiverton next to Newport 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
  • Tiverton $407,200
  • Newport $609,700
  • Rhode Island $404,200
  • United States $332,700
Typical monthly rent
  • Tiverton $1,342
  • Newport $1,713
  • Rhode Island $1,342
  • United States $1,413
Typical yearly household income
  • Tiverton $99,158
  • Newport $103,514
  • Rhode Island $87,796
  • United States $80,734
See the full table
Tiverton next to Newport County and Rhode Island
Measure Tiverton Newport County Rhode Island U.S.
Typical home value $407,200 $609,700 $404,200 $332,700
Typical monthly rent $1,342 $1,713 $1,342 $1,413
Typical yearly household income $99,158 $103,514 $87,796 $80,734
Households that own their home 73% 68% 64% 65%
Typical yearly property tax $4,542 $5,414 $4,900 $3,119
Effective property tax rate 1.12% 0.89% 1.21% 0.94%
Renters with high rent for their income 32% 50% 48% 51%

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

For a typical $407,200 home in Tiverton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Tiverton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,438a month

    Least cash to close
    Down payment
    $14,252
    Cash to close
    $26,468
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $180

  • Conventional, 5% down $3,364a month

    Down payment
    $20,360
    Cash to close
    $32,576
    Rate
    7.18%
    Mortgage insurance
    PMI · $193

  • Conventional, 20% down, no PMI $2,757a month

    Down payment
    $81,440
    Cash to close
    $93,656
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,133a month

    Down payment
    $61,080
    Cash to close
    $73,296
    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 Tiverton and for Newport County.

Property tax

Effective rate in Tiverton

1.12%of the home’s value each year

$4,542 a year for the typical owner in Tiverton.

  • Tiverton 1.12%
  • Newport 0.89%
  • 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 Newport County

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

Homes in the high-risk zone
6.8%
2,144
Of those, with NFIP insurance
45%
County Rhode Island U.S.
Homes in the high-risk zone 6.8% 3.7% 3.5%
Of those, with NFIP insurance 45% 49% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Tiverton

Typical rent in Tiverton is $1,342 a month: 22% below the county. In Tiverton, 32% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for each area of Newport County; Tiverton is in Providence-Fall River, RI-MA HUD Metro FMR Area. 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 $1,879 to $2,507. 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 Newport 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
Newport-Middleton-Portsmouth, RI HUD Metro FMR Area The area where most people live
3 towns in this area

Middletown town, Newport city, Portsmouth town

 $1,904$1,916$2,507$3,327$3,981$48.21
Providence-Fall River, RI-MA HUD Metro FMR Area Tiverton is in this area
3 towns in this area

Jamestown town, Little Compton town, Tiverton town

 $1,423$1,509$1,879$2,302$2,615$36.13

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 Tiverton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Tiverton is in ZIP code 02878.

For 2 bedrooms it is $2,090 in all of them.

  • 02878 $2,090$2,820
  • 02878 $2,090$2,820

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Tiverton 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 Tiverton

HUD lists 6 buildings with rents for lower incomes in Tiverton. These are the largest.

  • Bourne Mill Apts 1 Mill St, Tiverton 166 homes, 67 low-income · 1 bd: 34 · 2 bd: 33 · In service since 2009
  • Hancock Estates 345 Hancock St, Tiverton 02878 51 homes, 50 low-income · For older adults (401) 624-1673
  • Tiverton Ha 99 Hancock St, Tiverton 02878 45 low-income homes · Run by Tiverton Housing Authority · Average payment: $585 a month · Average wait: 17 months (401) 624-4748
  • Sandywood Farm 150 Persimmon Dr, Tiverton 50 homes, 40 low-income · 1 bd: 10 · 2 bd: 24 · 3 bd: 16 · In service since 2010 · For families
  • Stafford Point 40 Alicia Cir, Tiverton 24 low-income homes · 1 bd: 24 · In service since 1996 · For older adults

See all 57 buildings in Newport County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Tiverton

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 Newport County. The nearest ones are below; many serve by phone or online.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Tiverton

No down payment, repair or rent-help program on our list is for Tiverton or Newport County. The ones below are statewide in Rhode Island: they work in Tiverton 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 Tiverton

The HUD-approved agencies closest to the center of Tiverton, 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 · 16 miles away · Spanish

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

  • Rhode Island Housing Help Center

    44 Washington St, Providence · 16 miles away · Spanish

    • Mortgage delinquency and default
    (401) 457-1000

  • Providence Housing Authority

    50 Laurel Hill Ave, Providence · 17 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

All counseling agencies in Rhode Island

Help in Spanish near Tiverton

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 Tiverton

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

  • Tiverton Housing Authority Public housing and Section 8 vouchers (401) 624-4748

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

Cities

Other cities in Newport County

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

Everything about Newport County Housing in Rhode Island

Nearby cities

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

Neighboring counties

If Newport 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 Tiverton.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Tiverton

Short answers with the numbers for Tiverton and all of Newport 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 Tiverton?

The typical home value in Tiverton is $407,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Newport County it is $609,700.

How much does it cost to rent in Tiverton?

Typical rent in Tiverton is $1,342 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Newport County is $1,879–$2,507.

What is the FHA loan limit in Tiverton?

Tiverton uses the FHA limit for all of Newport 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 Tiverton?

The typical homeowner in Tiverton pays $4,542 a year, according to the U.S. Census Bureau. That is 1.12% of the home’s value; in Newport County, the rate is 0.89%.

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

We found no HUD-approved counseling agencies with an office in Newport 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).