Average mortgage payment in Kent County, RI (2026)
The average mortgage payment in Kent County on a median-priced home (~$465,000) is roughly $3,834/month — assuming 10% down at a 6.85% 30-year fixed rate and Rhode Island's 1.53% effective property tax rate (full PITI).
To carry that payment under the standard 28% front-end DTI rule, you'd need an annual household income near $164,320. County population is roughly 170,363.
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How Kent County compares to Rhode Island
The typical home in Kent County is 1% above the statewide median of $460,000 in Rhode Island. Property tax is set at the state's effective rate of 1.53% — local millage and special assessments vary by county, but this is the right starting point.
The payment above bakes in principal, interest, property tax, and homeowners insurance — it does not include HOA dues or mortgage insurance (PMI). PMI kicks in automatically when down payment is below 20% on a conventional loan. For a full breakdown, run your own numbers in the main calculator.
Frequently asked questions
What is the average mortgage payment in Kent County?+
On a median Kent County home (~$465,000) at a 6.85% 30-year fixed rate with 10% down, all-in PITI runs about $3,834/month, including ~$593 in property tax.
What income do I need to buy a home in Kent County?+
Using the 28% front-end DTI rule, you'd need roughly $164,320 in annual gross household income to comfortably carry the median Kent County home.
How does Kent County compare to the rest of Rhode Island?+
Kent County's median home ($465,000) is 1% above the Rhode Island median of $460,000.
Does this include HOA fees or PMI?+
No. HOA dues vary too widely to assume a default — add them directly to the payment. PMI applies when you put less than 20% down on a conventional loan; the main calculator factors it in automatically.