Newport County, Rhode Island loan limits 2026
FIPS 44005 · 9 ZIP codes, e.g. 02801, 02835, 02837, 02840, 02841, 02842 · metro area (CBSA) 39300
In Newport County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $787,750. Anything above $832,750 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Newport County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $832,750 | $787,750 | +3.3% |
| 2 units | $1,066,250 | $1,008,450 | +3.3% |
| 3 units | $1,288,800 | $1,219,000 | +3.3% |
| 4 units | $1,601,750 | $1,514,950 | +3.3% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages. Newport County is in metro area CBSA 39300; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $137,700 · Newport-Middleton-Portsmouth, RI HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $75,550 | $86,350 | $97,150 | $107,900 | $116,550 | $125,200 | $133,800 | $142,450 |
| Very low income (50%) | $48,200 | $55,100 | $62,000 | $68,850 | $74,400 | $79,900 | $85,400 | $90,900 |
| Extremely low income (30%) | $28,950 | $33,050 | $37,200 | $41,300 | $44,650 | $47,950 | $51,250 | $55,720 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $1,904/mo | $1,318 | +44.5% |
| 1 bedroom | $1,916/mo | $1,402 | +36.7% |
| 2 bedrooms | $2,507/mo | $1,729 | +45% |
| 3 bedrooms | $3,327/mo | $2,087 | +59.4% |
| 4 bedrooms | $3,981/mo | $2,480 | +60.5% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Newport-Middleton-Portsmouth, RI HUD Metro FMR Area.
Same metro area
Counties in CBSA 39300 share the same loan limits.
Other counties in Rhode Island
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Newport County, RI for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Newport County?
$787,750 for a single-family home in 2026 (HUD), up to $1,514,950 for a four-unit property.
What counts as a jumbo loan in Newport County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Newport County in 2026.
What are the HUD income limits in Newport County?
For a family of four (FY2026): low income $107,900, very low income $68,850, extremely low income $41,300; area median family income $137,700.
What is the fair market rent in Newport County?
$2,507 a month for a two-bedroom unit in FY2027 (HUD), $1,916 for one bedroom.