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North Providence at a Glance:

The town of North Providence is located in Providence County, Rhode Island. The town has the distinction of being the smallest by area (5.8 square miles, 0.1 square miles of which is water) in the smallest state (1,214 square miles). Within the town, there are several villages and neighborhoods, such as Allendale, Centredale, Fruit Hill, Greystone, Louisquisset, Lymansville, Marieville, Woodville, and Geneva. Established in 1636 and incorporated as a town in 1765, it originally included parts of what are today the cities of Providence and Pawtucket. North Providence elected its first mayor in 1974. Since then, the town has been governed by a mayor and seven-member town council.

Housing Facts: 2009

Typical monthly housing payment* for a $177,000 house $1,319
Household income required to afford a $177,000 house $52,759
Average monthly rent for a two-bedroom apartment $1,085
Household income required for that rent to be affordable $43,400
Average private-sector wage for jobs in North Providence $32,240
Housing Units in North Providence  
Number of year-round housing units 14,793
Housing units that quality as affordable 1,066
Affordable housing units reserved for the elderly 922
Affordable housing units reserved for families 14
Affordable housing units reserved for persons with special needs 130
Homes funded through Building Homes Rhode Island 0
How much housing is needed?  
Additional housing units necessary to meet the 10% threshold established by the State's Low and Moderate Income Housing Act of 2004 413

*Calculated using a 30-year mortgage at 5.04% interest (2009 average rate) with a 5.75% down payment (which includes a 3.5% down payment and a 2.25% one-time mortgage insurance fee), property taxes (the state's average rate of $14.36 per $1,000 of the home's valuation), hazard insurance ($60/month), and monthly mortgage insurance (0.6%/month).