Ryan CookPublished on: 08/13/2025
Beach house brain says yes; calculator says… maybe. We decode the new second-home math for RI—rates, insurance, taxes, fees, and rental rules—with simple formulas to see if your getaway still pencils out. We compare this to Massachusetts' changes.
Rhode Island second home taxRI non-owner-occupied surchargeRhode Island $1M property surchargeRI luxury home vacancy taxRhode Island 183-day rental exemptionRhode Island conveyance tax 2026RI real estate transfer tax rateRhode Island investment property taxesRI landlord-tenant 183 daysMassachusetts mansion tax updateMA local-option transfer feeMassachusetts 4% millionaires tax 2025How to avoid RI second-home surchargeNon-owner-occupied home surcharge July 2026Rhode Island second-home costs calculatorModel annual carry for RI investment propertyNewport RI second-home tax changesNarragansett investment property taxes 2026South County RI conveyance tax increaseRhode Island rentals over 183 days exemptionPrimary residence exemption Rhode Island surchargeRI vs MA second-home taxes comparison