02802 — Providence County, Rhode Island Market Snapshot
Housing market data for zip code 02802 in Providence County, Rhode Island. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Providence County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$447,500
Days to Sell
24
Homes Sold
2
Inventory
N/A
Conforming Loan Available
Most homebuyers in 02802 can comfortably use conventional financing. The median home price of $447,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 02802 are moving quickly at 24 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 02802 can comfortably use conventional financing. The median home price of $447,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 02802 are set at the county level.
2026 Loan Limits — Providence County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $787,750 |
| 2 Units | $1,066,250 | $1,008,450 |
| 3 Units | $1,288,800 | $1,219,000 |
| 4 Units | $1,601,750 | $1,514,950 |
Affordability Snapshot — Zip 02802
To purchase the median home at $447,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,579.
Monthly Payment
$3,579
Income Required
$153,369
Principal & Interest
$2,757/mo
Down Payment (5%)
$22,375
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 02802.
Estimated Monthly Payment
$2,919
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