Who qualifies for the Providence owner-occupied tax rate in Rhode Island?

You own your home and live in it in Providence. Other towns set their own rules, and a homestead benefit does not carry over from town to town. In FY2026 Providence charged $8.40 per $1,000 of assessment on an owner-occupied single-family home, versus $14.60 if not owner-occupied. For 2 to 5 family homes it was $7.55 versus $14.00. FY2027 rates were not available.

Who qualifies for the Providence elderly credit (FY2026) in Rhode Island?

Providence owner-occupants age 65 or older. $750 off your tax bill in FY2026.

Who qualifies for the Providence veteran credit (FY2026) in Rhode Island?

Providence owner-occupants who are veterans, or the widow of a veteran. $306 off your tax bill in FY2026.

Who qualifies for the Providence disabled veteran credit (FY2026) in Rhode Island?

Providence owner-occupants who are disabled veterans. $614 off your tax bill in FY2026.

Who qualifies for the Property Tax Relief Credit (RI-1040H) in Rhode Island?

Age 65 or older and/or disabled. You lived in Rhode Island all of 2025, had household income of $40,730 or less, and lived in a taxed household. You must be current on homestead property tax and rent for prior years and on current installments. One claim per household. Up to $700 for tax year 2025. The credit is the amount your property tax (or rent counted as property tax) is above 3%, 4%, 5% or 6% of your household income, depending on income and household size. Tax or rent paid with public assistance does not count. Deadline: April 15, 2026 for tax year 2025. That date has passed. An extension for your income tax return does not extend this form.

Rules by state / Rhode Island

Rhode Island property tax, line by line.

Your city or town tax collector sends your property tax bill. There is no state property tax bill. Exemptions and rates are set locally, so what you get depends on your town.

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At a glance

Who sends the bill: Your city or town tax collector. There is no state property tax bill.
When it comes: Set by your city or town. Fiscal years are commonly July 1 to June 30.
When it's due: Many towns use quarterly installments. Check your bill for your town's dates.
If you pay late: Your town charges interest. The rate is set locally.
Value is set as of: December 31
Limits on increases: A 4% cap applies to the total tax a town collects (levy), with some exceptions. There is no statewide cap on the value of one home.

Bill dates source · Assessment source

What may come off

5 programs homeowners can claim

None of these are applied for you automatically. Each one is free to apply for. If you upload your bill, we check which ones are already on it and which may fit you.

Providence owner-occupied tax rate

Who: You own your home and live in it in Providence. Other towns set their own rules, and a homestead benefit does not carry over from town to town.
What you get: In FY2026 Providence charged $8.40 per $1,000 of assessment on an owner-occupied single-family home, versus $14.60 if not owner-occupied. For 2 to 5 family homes it was $7.55 versus $14.00. FY2027 rates were not available.
How to apply: Contact the Providence Tax Assessor. Ownership and occupancy rules are local.
After that: You must keep living in the home.

Source

Providence elderly credit (FY2026)

Who: Providence owner-occupants age 65 or older.
What you get: $750 off your tax bill in FY2026.
How to apply: Contact the Providence Tax Assessor.
After that: Set locally.

Source

Providence veteran credit (FY2026)

Who: Providence owner-occupants who are veterans, or the widow of a veteran.
What you get: $306 off your tax bill in FY2026.
How to apply: Contact the Providence Tax Assessor. Statewide, each city or town sets its own veteran amount.
After that: Set locally.

Source

Providence disabled veteran credit (FY2026)

Who: Providence owner-occupants who are disabled veterans.
What you get: $614 off your tax bill in FY2026.
How to apply: Contact the Providence Tax Assessor.
After that: Set locally.

Source

Property Tax Relief Credit (RI-1040H)

Who: Age 65 or older and/or disabled. You lived in Rhode Island all of 2025, had household income of $40,730 or less, and lived in a taxed household. You must be current on homestead property tax and rent for prior years and on current installments. One claim per household.
What you get: Up to $700 for tax year 2025. The credit is the amount your property tax (or rent counted as property tax) is above 3%, 4%, 5% or 6% of your household income, depending on income and household size. Tax or rent paid with public assistance does not count.
How to apply: File Form RI-1040H with your income tax return, or by itself if you don't need to file a return.
Deadline: April 15, 2026 for tax year 2025. That date has passed. An extension for your income tax return does not extend this form.
After that: File every year.

RI-1040H: the form

Flat charges and parcel taxes. Fire districts in some towns and sewer charges are often billed separately. Only the district that sets a charge can remove it, and only if it adopted an exemption you qualify for.

Think your value is too high?

Asking for a lower assessed value

Formal appeal: Start with your local tax assessor, then the local board of assessment review, then Superior Court.
Good to know: Appeal deadlines, fees and whether the value can go up were not confirmed. Ask your assessor right away and keep paying your bill while you wait.

A formal appeal reopens your whole value: the board can raise it as well as lower it. Bring recent sales of similar homes.

Source · We never charge for help asking for a lower value.

What can't come off

Charges you can't remove

Another town's exemption
Rent or tax paid with public assistance, on RI-1040H
Any relief credit above $700 for tax year 2025
Fire district and sewer charges, unless that district adopted an exemption you qualify for

Fire districts in some towns bill separately, and sewer charges are often separate. Tangible personal property tax is a different bill. Motor vehicle tax is not part of the real estate bill. Homestead treatment is a local exemption or a lower owner-occupied rate, and it does not cross town lines.

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Rules checked October 28, 2026 against official Rhode Island sources. Rules change: check the deadline with your county before you rely on it. Not legal or tax advice.