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Mortgage Calculator &
Closing Costs: East Providence, RI

Mortgage payment estimates, closing cost breakdowns, and homebuying data for East Providence, Rhode Island.

Median Home Price
$355K
Population
48K
Avg Monthly Rent
$1,480
Property Tax Rate
1.53%
East Providence vs Rhode Island Median
The median home price in East Providence is $355,000, which is 16% below the Rhode Island state median of $425,000.

Mortgage Calculator — East Providence, RI

Pre-filled with East Providence median home price and Rhode Island tax/insurance rates. Adjust for your property.

$
$71,000
%
%
years
RI avg
%
$
Monthly Payment (PITI)
$2,431
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,795
per month
Taxes & Insurance
$636
per month
Total Interest Paid
$362K
over 30 years
Total Loan Cost
$646K
all payments
Payment Breakdown
Loan Amount$284,000
Principal & Interest$1,795
Property Taxes$453
Homeowners Insurance$183
Total Monthly PITI$2,431

Closing Costs — East Providence, RI

Estimated closing costs based on Rhode Island rates and fees applied to East Providence prices.

$
%
Rhode Island: Avg closing costs 1.7% of price. Transfer tax: 0.46%.
Estimated Closing Costs
$13,975
3.9% of purchase price
Lender Fees
$2,981
origination, underwriting
Third-Party
$3,225
appraisal, title, inspection
Government Fees
$1,633
transfer taxes, recording
Prepaids + Escrow
$6,136
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,556
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,075
Recording Fee$150
Transfer Tax$1,633
Prepaid Taxes (3 mo)$1,358
Prepaid Insurance (12 mo)$2,200
Prepaid Interest (15 days)$853
Escrow Reserves$1,725
Total Closing Costs$13,975

Buying a Home in East Providence, Rhode Island

The median home price in East Providence is $355,000, 16% below the Rhode Island state median of $425,000. With a population of 47,800, East Providence is a smaller market where home prices tend to be more accessible than in many parts of Rhode Island.

Property taxes in Rhode Island average 1.53% annually. This higher-than-average tax rate means a $355,000 home in East Providence would carry roughly $453/month in property taxes alone — plan accordingly. Homeowners insurance in Rhode Island runs approximately $2,200 per year. This is within the normal range nationally.

Average rent in East Providence is $1,480/month. The price-to-rent ratio in East Providence is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

East Providence presents moderate affordability. The $355K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

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