02895 — Providence County, Rhode Island Market Snapshot
Housing market data for zip code 02895 in Providence County, Rhode Island. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home 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
1 sales in 2026 (year to date)
Median Sale Price
$355,000
Days to Sell
10
Homes Sold
1
Inventory
3
Conforming Loan Available
Most homebuyers in 02895 can comfortably use conventional financing. The median home price of $355,000 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
02895 is an extremely competitive market with homes selling in just 10 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 02895 can comfortably use conventional financing. The median home price of $355,000 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 02895 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 02895
To purchase the median home at $355,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,870.
Monthly Payment
$2,870
Income Required
$122,996
Principal & Interest
$2,187/mo
Down Payment (5%)
$17,750
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 02895.
Estimated Monthly Payment
$2,347
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