Rhode Island Housing Affordability Index

Daily affordability score for Rhode Island compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score

Rhode Island

90.6

Near National Average

MBR-HAI • April 10, 2026

National Average

100.6

Near National Average

MBR-HAI • April 10, 2026

National Rank #47 of 51 states

vs. National Average -10 points

30-yr Rate Used 6.357%

Median Home Value $404,200

Median Household Income $87,796

View all state rankings →

Rhode Island Affordability Ranking

#47 of 51 states — April 10, 2026 Bottom 20% least affordable

Most Affordable Least Affordable

More affordable than: 4 of 51 states (8%)

Less affordable than: 46 of 51 states (90%)

MBR-HAI Score: 90.6 vs. national 100.6 (-10 points)

Nearby States

↑ 44 more affordable states above

#45 NH 94.1

#46 NJ 91.9

#47 Rhode Island ◀ 90.6

#48 NY 89.3

#49 OR 89.2

↓ 2 less affordable states below

Top 5 Most Affordable

#1 WV 139.9

#2 AR 131.2

#3 AL 129.8

#4 IA 129.6

#5 MS 126.3

Bottom 5 Least Affordable

#47 RI ◀ 90.6

#48 NY 89.3

#49 OR 89.2

#50 MA 87.2

#51 CA 81.5

View full 51-state rankings →

Rhode Island MBR-HAI — 90-Day Trend

Rhode Island

National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — Rhode Island

$404,200

Median Home Value

U.S. median: varies by state

$87,796

Median Household Income

U.S. median: $80,734

4.6x

Price-to-Income Ratio

Home value ÷ income

$1,799/mo

Median Owner Costs

24.6% of income annually

$4,842/yr

Median Property Tax

1.20% effective rate

67.4%

Homeownership Rate

U.S. average: 65.7%

30.7%

Owner Cost Burden

% spending 30%+ of income on housing

6.357%

30-yr Mortgage Rate

State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How Rhode Island Ranks Among All States

#47

of 51 states

Least Affordable Most Affordable

Rhode Island is more affordable than 8% of U.S. states — Near National Average

90.6

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
▲ See top 43 states →
44	Washington	94.2	Near National Average
45	New Hampshire	94.1	Near National Average
46	New Jersey	91.9	Near National Average
47	Rhode Island You are here	90.6	Near National Average
48	New York	89.3	Moderately Less Affordable
49	Oregon	89.2	Moderately Less Affordable
50	Massachusetts	87.2	Moderately Less Affordable
▼ See all 51 state rankings →

Showing states ranked near Rhode Island — April 10, 2026 • View complete national rankings →

Download Rhode Island HAI Data

Rhode Island History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-04-11,RI,90.6,100.6,6.357                

Download RI History (CSV)

All 51 States (CSV)

Compare Rhode Island to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings

See how Rhode Island ranks among all 51 states and the national average.

HAI Methodology

How the 10-component formula is computed, data sources, and score interpretation.

Rhode Island Mortgage Rates

Live 30-year and 15-year rates from banks and credit unions in Rhode Island.