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Updated 2025 Tax Year

Providence County
Property Tax Guide

Everything you need to know about property taxes in Providence County, RI. Rates, due dates, exemptions, and how it affects your monthly payment.

7 Official Sources
8 min read
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Quick Facts
Tax Rate
1.1% to 1.6% of assessed value, varies by municipality within Providence County
1st Due
Jul 1
2nd Due
Jun 30
Exemptions
4+ Available
Section 1

How Property Tax Works

Providence County operates under Rhode Island's property tax system, where property taxes serve as the primary funding source for local government services including schools, police, fire protection, public works, and municipal operations. The effective tax rate in Providence County typically ranges from approximately 1.1% to 1.6% of assessed value, depending on your specific location and applicable tax credits. Property assessments are conducted regularly to maintain current market valuations, with the tax year running from July 1st through June 30th of the following year.

It's important to note that actual tax rates vary significantly by location within Providence County due to special taxing districts, municipal boundaries, and local levies. Each city and town within the county sets its own tax rate based on local budget requirements and property values. Additionally, some areas may have special assessments for services like fire districts, water districts, or municipal improvement projects that can affect your total property tax bill.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $1,000)Description
Municipal Tax$13.07Base residential rate for FY 2025-2026
Effective Rate (with Homestead)$11.24Rate after 14% Homestead Exemption applied
Commercial Rate$20.63Commercial property rate for FY 2025-2026
Business Tangible$56.81Business personal property rate

Note: These rates apply specifically to the City of Providence for FY 2025-2026. Other municipalities within Providence County have different rates. Special taxing districts for fire protection, lighting districts, or other municipal services may impose additional assessments. Contact your local assessor's office for rates specific to your property location and any applicable special district charges.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Providence County, property taxes are due in two installments:

First Installment
Jul 1
Delinquent after Dec 10
Second Installment
Jun 30
Delinquent after Apr 10
Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes are additional property tax bills issued when there are changes to your property's assessed value or ownership during the tax year. Common triggers include new construction, major renovations, additions, change of use (such as converting residential to commercial), or completion of previously exempt new construction. The supplemental tax represents the difference between what you're currently paying and what you should be paying based on the property's new assessed value.

The calculation works by determining the new assessed value, applying the current tax rate, and then subtracting any taxes already paid for that portion of the tax year. For example, if you complete a $100,000 home addition in January and your tax rate is $13.07 per $1,000 of assessed value, you would owe approximately $1,307 in supplemental taxes prorated for the remaining portion of the fiscal year (January through June). Supplemental bills are typically issued within 30-60 days after the assessor receives notice of the change and must be paid by the due date specified on the bill to avoid penalties.

Example Calculation

Example 1: $300,000 Property

  • Assessed Value: $300,000
  • Homestead Credit Applied: -$42,000 (14% reduction, requires application)
  • Net Taxable Value: $258,000
  • Annual Tax: $258,000 ÷ $1,000 × $13.07 = $3,372
  • Monthly Escrow: $281

Example 2: $600,000 Property

  • Assessed Value: $600,000
  • Homestead Credit Applied: -$84,000 (14% reduction, requires application)
  • Net Taxable Value: $516,000
  • Annual Tax: $516,000 ÷ $1,000 × $13.07 = $6,744
  • Monthly Escrow: $562

Example 3: $1,000,000 Property

  • Assessed Value: $1,000,000
  • Homestead Credit Applied: -$140,000 (14% reduction, requires application)
  • Net Taxable Value: $860,000
  • Annual Tax: $860,000 ÷ $1,000 × $13.07 = $11,240
  • Monthly Escrow: $937

Important: The Homestead Credit requires annual application and is not automatically applied. Contact the assessor's office for application deadlines and forms.

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Section 5

Escrow & Property Taxes

If you have a mortgage, your lender likely collects property taxes through an escrow account as part of your monthly mortgage payment. The lender analyzes your annual tax bill and divides it by 12 to determine your monthly escrow contribution, plus maintains a cushion as required by federal law. Property taxes in Providence County are typically due quarterly, and your mortgage servicer will make these payments directly to the tax collector on your behalf.

It's crucial to review your annual escrow statement to ensure your lender has the correct tax amount, especially after reassessments or when tax credits are applied. If you believe your escrow payment is incorrect, contact your mortgage servicer with a copy of your current tax bill. You can verify your current tax obligations and payment status through the Providence tax collection portal at https://www.providenceri.gov/finance/tax-collection/. Property owners without mortgages receive tax bills directly and are responsible for making payments according to the published due dates.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are property taxes due for FY 2025-2026? A: Property taxes are typically due quarterly. Contact the tax collector's office or visit https://www.providenceri.gov/finance/tax-collection/ for specific due dates as they vary by municipality within Providence County.

Q: What tax credits are available and do they require application? A: The primary credit is the Homestead Exemption (14% reduction in assessed value), which requires annual application. Veterans, elderly, and disabled persons may qualify for additional credits. All credits require separate applications and are not automatically applied.

Q: How does the Homestead Credit work? A: The Homestead Credit reduces your assessed value by 14% for owner-occupied primary residences. It does NOT cap assessment increases but reduces the taxable value. You must apply annually, and the application deadline is typically in early fall - check with the assessor's office for exact dates.

Q: How often are properties reassessed? A: Rhode Island requires statistical updates annually and full revaluations every 9 years maximum. The City of Providence maintains ongoing assessment updates. Visit https://www.providenceri.gov/tax-assessor/ for the current assessment schedule.

Q: What are the penalties for late payment? A: Late payments typically incur interest charges and penalties. Contact the tax collector's office for specific penalty rates and payment options to avoid additional charges.

Q: Can I pay my property taxes online? A: Yes, most municipalities in Providence County offer online payment options. Visit https://www.providenceri.gov/finance/tax-collection/ for Providence or your local tax collector's website.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed within specific timeframes after receiving your assessment notice. Contact the assessor's office at https://www.providenceri.gov/tax-assessor/ for appeal forms, deadlines, and procedures.

Q: What if I receive a supplemental tax bill? A: Supplemental bills are issued for mid-year changes like new construction or ownership transfers. These bills have separate due dates and must be paid in addition to your regular property tax bill to avoid penalties.

Verified Sources

Backed by 7 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

01
County
Providence County Assessorprovidenceri.gov
02
Tax Doc
Tax Rates | City of East Providence, RIeastprovidenceri.gov
03
Tax Doc
FY 2025 Rhode Island Tax Rates by Class of Propertymunicipalfinance.ri.gov
04
Tax Doc
Tax Assessorglocesterri.gov
05
State
STATE OF RHODE ISLAND AND PROVIDENCE ...ripuc.ri.gov
06
fourth amendment tohome.treasury.gov
07
sixth amendment tohome.treasury.gov
All sources verified as of 2025 Tax Year

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