02813 — Washington County, Rhode Island Market Snapshot
Housing market data for zip code 02813 in Washington County, Rhode Island. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$694,500
Days to Sell
34
Homes Sold
20
Inventory
29
Sale-to-List
100.6%
New Listings
41
Price/SqFt
$384
Pending Sales
32
Conforming Loan Available
The median home in 02813 at $694,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
02813's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 02813 (100.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 02813 at $694,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 02813 are set at the county level.
2026 Loan Limits — Washington 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 02813
To purchase the median home at $694,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,471.
Monthly Payment
$5,471
Income Required
$234,473
Principal & Interest
$4,279/mo
Down Payment (5%)
$34,725
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 02813.
Estimated Monthly Payment
$4,448
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