Rhode Island State Income Tax Guide (2026)
Rhode Island has a 3-bracket progressive income tax topping at 5.99% — moderate by Northeast standards. The headline you don't see on most state-tax pages is the Temporary Disability Insurance levy: 1.2% of the first $89,200 of wages, the highest state-level disability-insurance tax in the country. Brown + RISD anchor the academic ecosystem; CVS Health Woonsocket is the largest single employer in the state; Naval Station Newport is the home of the Naval War College. The estate tax indexes annually but is low by federal standards.
Top State Rate
6.0%
$100k Take-Home
$75,969
/year (single)
State Tax on $100k
$3,211
single filer
Rhode Island Income Tax Brackets (2026)
| Marginal Rate | Taxable Income (All filing statuses) |
|---|---|
| 3.75% | $0→$77,450 |
| 4.75% | $77,450→$176,050 |
| 5.99% | $176,050→All taxable income above $176,050 |
Each rate applies only to income within that bracket. Your effective rate is the average across all brackets — noticeably lower than your top marginal rate.
Standard deduction: $10,550 single / $21,150 married filing jointly
Brackets reflect the most recently published schedules. Some states inflation-index thresholds annually — specific 2026 amounts may shift slightly. Verify with your state's Department of Revenue before filing.
Want exact numbers for your situation?
The dedicated Rhode Island paycheck calculator lets you adjust salary, filing status (single, MFJ, HOH, MFS), 401(k) and HSA contributions, dependents for your exact 2026 take-home figure.
The 30-second version
- 1.Rhode Island has 3 progressive brackets topping at 5.99% above $176,050 (single). Most professionals at $80K–$170K pay an effective rate around 4.5%–4.9% — moderate by Northeast Corridor standards.
- 2.Temporary Disability Insurance: 1.2% on first $89,200 wages, max $1,070/year per employee. Highest state-level disability-insurance tax in the country among the five TDI states (CA / NJ / NY / HI / RI). Funds TCI / paid family leave (up to 7 weeks) out of the same levy.
- 3.Brown University + RISD + Providence College + Bryant University anchor the academic and design economy. Brown employs ~5,000 plus its medical and biomedical research footprint; RISD's design culture has reshaped Providence's creative industries.
- 4.CVS Health is headquartered in Woonsocket — about 9,000 corporate employees plus the broader retail and pharmacy operations. The largest single employer in the state, and the only Fortune 50 HQ in Rhode Island.
- 5.Naval Station Newport (~16,000) hosts the Naval War College, Officer Training Command, and Naval Undersea Warfare Center — cleared engineering and military-academic employment unusual for any state under 1.1M population.
- 6.Rhode Island Estate Tax: 2026 exemption indexed to ~$1,838,440 at 0.8%–16% rates on excess. Among the lowest estate-tax thresholds in the country alongside Massachusetts ($2M) and Oregon ($1M). Late-career HNW relocation is genuinely common.
- 7.Major employers: CVS Health Woonsocket HQ (~9,000), Lifespan (Rhode Island Hospital + The Miriam + Newport Hospital + Hasbro Children's, ~16,000 statewide), Care New England (Women & Infants + Kent Hospital + Butler, ~7,500), Citizens Financial Group HQ Providence (~7,500), Brown University, Textron HQ Providence (~3,000 corporate, ~30,000 globally), Hasbro HQ Pawtucket, FM Global HQ Johnston (commercial property insurance), IGT (gaming technology), Naval Station Newport.
A quick hello before we start
Pull up a chair — or, if you're reading this on your phone in line at Olneyville New York System on Plainfield Street before a Friday hot wieners run, a stool. We'll be quick.
Quick note up top: nothing here is personal tax, legal, or financial advice. Real numbers, honest opinions, the kind of explainer you'd want from a friend who happens to know Rhode Island tax law and won't bill you $400/hour. Your situation has wrinkles only your CPA can iron out — treat this like a coffee at Bolt Coffee in the Dean Hotel or White Electric on Westminster, not your accountant's office on South Main.
Last reviewed: May 2026 · Reviewed annually each January when new brackets publish
Why you can trust these numbers
Numbers reflect 2026 IRS federal brackets, caps, and the Rhode Island Division of Taxation's 3-bracket schedule. The calculator at the top of this page applies RI's progressive rates. Rhode Island conforms to federal starting point so federal pre-tax and HSA contributions reduce RI taxable income identically. Standard deduction $10,550 single / $21,150 MFJ for 2026. TDI is a separate payroll tax — not income tax — but it shows up on every paycheck and clearly affects net take-home, so we treat it as part of combined burden in the scenarios. Reviewed each January. Spot something off? Tell us.
Sources: federal brackets + standard deduction from IRS Rev. Proc. 2025-32; state brackets verified against the Tax Foundation 2026 State Income Tax Rates compilation and the official RI-1040 Individual Income Tax Forms (RI Division of Taxation).
The 3-bracket schedule and the TDI line you don't see on the federal return
Rhode Island's bracket schedule is clean. Three brackets — 3.75% / 4.75% / 5.99% — with the top kicking in above $176,050 single ( thresholds match). Most professionals at typical comp ($80K–$170K) pay effective rates around 4.5%–4.9% on RI taxable income. By any standard the schedule is moderate; relative to Massachusetts (5% flat + 4% Fair Share above $1M), Connecticut (top 6.99%), or New York (top 10.9% with NYC adding 3.876%), Rhode Island is among the more favorable Northeast Corridor states on the income-tax line. The General Assembly has periodically debated rate changes but the structure has held since the 2010 reform.
What a typical filer actually pays: take a $115,000 single CVS Health corporate analyst in Woonsocket. Rhode Island taxable income, after the $10,550 standard deduction, is $104,450. RI tax across brackets: 3.75% on first $77,450 + 4.75% on remaining $27,000 = $4,187. Plus TDI: 1.2% × $89,200 (capped) = $1,070. Combined RI burden: $5,257, about 4.6% effective on gross. The headline says 4.75% middle bracket; the math says 4.6% combined including TDI at $115K. Compare to Massachusetts at the same income: $5,750 (5% flat × $115K) plus MA-PFML small contribution. Comparable but Rhode Island slightly cheaper, primarily because of the lower middle-bracket rate.
Rhode Island does NOT allow the federal-tax deduction that Alabama, Louisiana, Missouri, and Montana grant. The trade is fair on a static basis. Rhode Island sits in the middle of the Northeast Corridor tax pack — slightly cheaper than Connecticut at every income level, slightly cheaper than Massachusetts on income tax (offset by TDI and lower MA property tax), substantially cheaper than New York. No Rhode Island city or town imposes a local income tax. Providence, Cranston, Warwick, Newport, Pawtucket — pure state + federal + + TDI. The DOR Form RI-1040 is mostly federal carried down with a small set of Rhode Island adjustments.
What you'll actually pay — three real-life scenarios
Three Rhode Islanders most readers can identify with. Find the one closest to you. If none match, the calculator at the top is for you.
Illustrative — single filer unless noted, full-year Rhode Island residency, W-2 income, federal-conforming standard deduction at the federal level, RI standard deduction applied. TDI 1.2% line included in combined burden where it materially affects net take-home (it does, for any working professional). Property tax estimates use Providence (Providence County) or Newport (Newport County) effective rates; verify your specific town. Ballparks, not invoices.
Scenario 1: Lifespan / Rhode Island Hospital bedside RN in Providence, $80,000
| Federal income tax | ~$8,260 |
| Rhode Island state income tax (~3.7% effective) | ~$2,975 |
| RI TDI (1.2% on first $89,200) | ~$960 |
| FICA (Social Security + Medicare) | ~$6,120 |
| Total taxes | ~$18,315 |
| Annual take-home | ~$61,685 |
| Effective combined rate | ~22.9% |
Rhode Island Hospital (Lifespan flagship, with Hasbro Children's adjacent) is the state's academic medical anchor — Level 1 trauma, Brown University's primary teaching hospital, plus the broader Lifespan network. Bedside nursing comp tracks Boston-area average ($75K–$92K floor RN), with $5–$10/hour shift differentials adding 16%–20% on nights, weekends, and holidays. A 1-bedroom on the East Side or Federal Hill runs $1,400–$1,850; a 2BR in Cranston or Pawtucket runs $1,500–$1,950. Same nurse earning $80K in Boston pays roughly $4,000 in MA tax — RI saves $1,000 on income tax but spends $960 on TDI; net even on tax burden, with RI winning on housing (1-bedroom on the East Side is half the rent of comparable Cambridge or Brookline).
Scenario 2: CVS Health corporate analyst in Woonsocket, $115,000
| Federal income tax | ~$16,460 |
| Rhode Island state income tax (~4.4% effective) | ~$5,038 |
| RI TDI (1.2% on first $89,200, capped) | ~$1,070 |
| FICA | ~$8,798 |
| Total taxes | ~$31,366 |
| Annual take-home | ~$83,634 |
| Effective combined rate | ~27.3% |
CVS Health is the only Fortune 50 HQ in Rhode Island, employing roughly 9,000 corporate workers at the Woonsocket campus plus the broader pharmacy and retail operations. Corporate roles span finance, supply chain, IT, marketing, pharmacy operations, and the Aetna integration teams. Mid-career analyst comp runs $90K–$135K base plus 8%–18% bonus. A 3-bedroom in North Smithfield, Lincoln, or Cumberland runs $375K–$525K — well below the $750K–$1.0M Boston-suburb equivalents at comparable commute. Property tax in Woonsocket runs about 1.6%; the Smithfield / Lincoln / Cumberland suburban corridor closer to 1.4%. When CVS hires, Rhode Island hires.
Scenario 3: Naval War College senior cleared engineer / civilian faculty in Newport, $158,000
| Federal income tax | ~$26,470 |
| Rhode Island state income tax (~4.6% effective) | ~$7,290 |
| RI TDI (1.2% on first $89,200, capped) | ~$1,070 |
| FICA | ~$11,138 |
| Total taxes | ~$45,968 |
| Annual take-home | ~$112,032 |
| Effective combined rate | ~29.1% |
Naval Station Newport hosts the Naval War College, Officer Training Command, and Naval Undersea Warfare Center Division Newport (~3,800 cleared engineers and scientists working on submarine combat systems, sonar, and undersea weapons). NUWC senior cleared engineers and Naval War College civilian faculty run $135K–$185K plus federal benefits (FEHB, with match, federal pension). A 3-bedroom in Middletown, Portsmouth, or Bristol runs $475K–$675K — well below the $850K–$1.2M equivalents in NoVa or the Hanscom / Lincoln Lab corridor. Combined with RI's 4.6% effective state rate, Newport cleared engineering nets roughly $20K–$35K/year more than equivalent comp at a NoVa-based defense contractor after housing and taxes. The Aquidneck Island lifestyle is the underrated benefit.
Property tax + the estate-tax cliff — the actual Rhode Island money story
If you ask a Rhode Islander what their tax bill is, they'll talk about property tax and TDI before income tax. Rhode Island's effective property tax rate averages 1.30% — moderate by national standards but with substantial town-by-town variation that matters more in RI than in most states. Providence and Cranston run 1.7%–2.0% effective; suburban towns (Smithfield, Lincoln, Cumberland, North Kingstown) run 1.2%–1.5%; coastal Newport / Middletown / Portsmouth / Bristol run 0.9%–1.3%. A $400,000 home in Providence pays roughly $7,200/year. The same home in Newport or Bristol pays roughly $4,400/year. Town-by-town research before purchase is mandatory — pull the RI Division of Municipal Finance equalization tables and the town's own assessment data.
The RI Estate Tax is the unsung HNW story. The 2026 exemption indexes to roughly $1,838,440 per RIGL § 44-22. Rates run 0.8%–16% on amounts above the exemption. Federal exemption is $13.99M for context — anyone with combined assets above ~$1.85M (including primary residence equity, retirement accounts, life insurance, non-retirement investments) is potentially subject to RI estate tax the federal would not touch. For a $4M Newport-area HNW family, the RI estate tax bill is roughly $130K–$170K depending on deduction profile. This is the largest single reason late-career HNW Rhode Islanders execute Florida or New Hampshire residency changes.
RI offers a senior + disabled property tax exemption ($1,000–$3,000 off assessed value depending on town and program), with substantial town variation. Veterans exemptions (disabled veterans, surviving spouses, Gold Star families) are also available at the town level. NOT automatic — file with your town assessor at the appropriate annual deadline (frequently March). Frequently unclaimed.
The Providence-to-Boston commuter math — actually run
Rhode Island's primary cross-border consideration is Boston metro. Providence-to-South Station is 60–75 minutes by MBTA Providence Line commuter rail, and a meaningful population works in Boston while living in RI. Run the math for your specific situation:
- MA wage tax: RI residents working in MA owe MA tax (5% flat plus the 4% Fair Share above $1M) on MA-source wages. RI provides a credit for tax paid to MA on the resident return, so the net is you pay the higher of the two rates on MA-source income — at most professional comp, MA's 5% flat. Net combined: roughly even, frequently slightly favoring MA residency for pure commuters.
- TDI: RI residents owe RI TDI on Rhode Island-source wages only (follows work location, not residency). RI residents working in Boston pay MA-PFML and not RI TDI. RI residents working remotely from RI for an MA employer typically owe RI TDI on the RI-sourced portion. Verify with payroll.
- Property tax: RI 1.30% average vs MA 1.04% — MA cheaper. For a $500K home, $1,300/year more in RI. Property-tax delta vs MA partially offsets income-tax savings.
- Estate tax: RI exemption ~$1.84M vs MA $2M — both low. For HNW families approaching retirement, neither is favorable; Florida or New Hampshire is the relocation pattern.
- What you give up by leaving Rhode Island for Massachusetts: the lower property tax in non-Providence RI towns (Newport, Bristol, the suburban corridor), the Brown / RISD / Bryant academic adjacency, the Newport cleared engineering cluster, and Rhode Island's smaller-state lifestyle. Plus the food scene — Providence is one of the better small-city food cultures in the country (Federal Hill, Eddy, Hope Street).
Quick guide: $80K Lifespan nurse — RI and MA close to even on combined tax-and-rent for renters; RI wins on non-Providence property tax, MA wins on no TDI. $115K CVS analyst — RI's CVS-anchored corporate cluster is the prize; Woonsocket housing arbitrage vs Boston suburbs is real. $158K NUWC cleared engineer — Newport cleared cluster is irreplaceable; Aquidneck Island lifestyle plus moderate tax structure is a strong package. HNW retirees with $3M+ assets — RI estate-tax exposure is real; FL or NH residency planning is common.
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Things financially comfortable Rhode Islanders actually do
If you earn $80K+ and you're not doing most of these, you're leaving real money on the table. None of this is exotic. Most of it requires 30 minutes of setup once a year and discipline the rest of the year.
- Max your — $24,500 in 2026 (catch-up $8,000 at 50+, super catch-up $11,250 at 60–63). Rhode Island conforms to federal pre-tax; every $1,000 deferred saves about $268 in combined tax. CVS Health, Citizens Financial, Lifespan, Care New England, and most major Rhode Island employers offer 4%–6% match — capture it.
- at CVS Health and Citizens Financial — both permit after-tax contributions to the §415(c) cap of $72,000 in 2026 with in-plan Roth conversion. After-tax space typically runs $30K+/year for senior employees.
- Rhode Island CollegeBound 529 (CollegeBoundsaver) — Rhode Island residents claim a deduction up to $500 single / $1,000 contributed annually. At RI's 4.75% middle-bracket rate, every $1,000 deducted saves $48. Modest by comparison to my529 or Iowa's plan but worth claiming.
- Senior + disabled + veterans property tax exemptions at the town level — file with your town assessor at the annual deadline. Providence and Cranston run more aggressive programs than suburban towns.
- Property tax abatement appeals — RI town assessment processes accept owner-initiated applications annually; documented and frequently successful for genuine over-assessments.
- Max your if eligible — $4,400 single / $8,750 family. Triple-tax-advantaged.
- If you're an HNW Rhode Islander with $3M+ assets approaching retirement, plan the residency conversation with an estate attorney experienced in RI exit-domicile 3+ years ahead. RI's audit posture is moderate (not as aggressive as MA on HNW exits) but documentation matters: voter registration, driver's license, primary residence declaration, doctor and dentist relocation. Florida or New Hampshire are the standard destinations.
Real questions people actually ask
Q: I'm thinking about moving from Boston to Providence for the lower cost of living. Will the math work?
For most professionals, yes — modestly. Income tax vs MA is roughly even at typical comp ($80K–$170K) — RI's 4.75% middle bracket vs MA's 5% flat is a small advantage, partially offset by 1.2% TDI. The bigger story is housing: Providence East Side runs roughly 50%–60% of Cambridge or Brookline at comparable square footage. Property tax: Providence runs 1.7%–2.0% (higher than MA), but suburban RI towns 1.2%–1.5% (comparable to or below MA). For Providence-to-Boston commuters, the MBTA Providence Line is workable (~70 min South Station) and cross-border tax math is roughly neutral on the wage line.
Q: Is the TDI 1.2% really paid by employees only?
Yes. Unlike CA's (employee), NJ's TDI (split employee + employer), or NY's NYSDBL (employer with employee option), Rhode Island's TDI is fully employee-funded. 1.2% applies to the first $89,200 of wages in 2026 — max employee contribution $1,070/year. The fund pays partial wage replacement during non-work illness or injury, plus the TCI paid family leave program (up to 7 weeks). TCI is funded out of the same 1.2% — no separate RI PFL tax on employees.
Q: What's the deal with the $1.84M estate-tax cliff?
Rhode Island's estate tax kicks in at exemption levels far below federal. 2026 exemption ~$1,838,440 (RIGL § 44-22, indexed annually); 2025 was $1,802,431. Rates run 0.8%–16% on amounts above. Federal exemption is $13.99M, so a Rhode Island resident with $4M in net assets owes roughly $130K–$170K in RI estate tax the federal wouldn't touch. This is the single largest reason late-career HNW Rhode Islanders execute Florida or New Hampshire residency changes — the delta is genuinely meaningful at $3M+ asset levels. Plan the move 3+ years ahead with an attorney experienced in RI exit-domicile.
Q: Does Rhode Island tax Social Security or pension income?
RI offers a partial Social Security exemption for filers with below ~$104K single / $130K for 2026 (indexed annually) — a real retiree benefit but means-tested. Above those thresholds, SS is taxed under federal-AGI conformity rules. Pensions, distributions, and IRA withdrawals are taxed at standard RI rates (unlike Pennsylvania or Illinois which fully exempt retirement income). Combined with property tax 1.30% average and the estate-tax cliff at $1.84M, RI's retirement math is mediocre nationally — workable for moderate-income retirees with paid-off mortgages and below-threshold AGI, harder for HNW retirees.
Q: What about Newport real estate — is the tax math different?
Newport County (Newport / Middletown / Portsmouth / Tiverton / Little Compton / Jamestown) has materially lower property tax effective rates than Providence County, frequently 0.9%–1.3% effective vs Providence's 1.7%–2.0%. A $700K home in Middletown pays roughly $8,400/year vs $12,250 for the same home in Providence. For Newport-adjacent professionals (NUWC engineers, Naval War College civilians, the broader Aquidneck Island professional class), the property-tax advantage stacks on top of Rhode Island's moderate income tax to produce one of the more favorable Northeast Corridor town clusters. Bristol and Barrington (Bristol County) offer similar advantages with shorter Providence commutes.
Our honest opinion (which is just an opinion)
Rhode Island is genuinely competitive for working professionals at moderate-to-upper-middle income, especially in healthcare (Lifespan, Care New England), finance (Citizens Financial), pharmacy (CVS Health), academia (Brown, RISD, Bryant, Providence College), and Naval Station Newport's cleared engineering ecosystem. The 5.99% top rate is moderate by Northeast standards, the cost of living is appreciably below Boston metro, and the food and cultural scene in Providence punches above the state's 1.1M population. The hard parts are the TDI 1.2% line that surprises new residents, the property tax in Providence and Cranston that runs higher than the state average, and the estate-tax cliff at $1.84M that drives HNW late-career residency decisions toward Florida or New Hampshire.
The case for Rhode Island:
- +Top rate 5.99% above $176K — moderate by Northeast Corridor standards (cheaper than CT 6.99%, NY 10.9%, MA 9% combined with surtax above $1M)
- +Brown + RISD + Providence College + Bryant — design and biomedical research depth unusual for state size
- +CVS Health Woonsocket HQ (~9,000) — only Fortune 50 HQ in Rhode Island, durable corporate anchor
- +Lifespan + Care New England + Brown medical school — Level 1 trauma + Hasbro Children's + RI Hospital teaching cluster
- +Naval Station Newport (~16,000) — Naval War College + NUWC cleared engineering + Officer Training Command
- +Suburban / coastal property tax (Newport County, suburban Providence corridor) substantially below Providence and Cranston
- +Providence-to-Boston commuter rail (MBTA Providence Line, ~70 min) workable for selective Boston-side employment
The case against:
- −TDI 1.2% on first $89,200 wages — highest state-level disability-insurance levy in the country
- −Estate tax exemption ~$1.84M (2026) — among the lowest thresholds nationally; HNW retirees frequently relocate to FL or NH
- −Providence and Cranston property tax 1.7%–2.0% effective — well above state average
- −Standard deduction $10,550 / $21,150 — between federal and small-state amounts
- −High-comp white-collar career mobility outside Brown / Lifespan / Citizens / CVS / NUWC / Naval War College is genuinely thin
- −Cold winters and February-March mud season are real lifestyle factors
Honest take: Rhode Island is genuinely strong for Lifespan + Care New England healthcare professionals, CVS Health corporate workers, Citizens Financial bankers, Brown / RISD / Bryant academics, NUWC and Naval War College cleared engineers and faculty, and family-stage professionals who value New England culture at lower cost than Boston metro. Less compelling for high earners targeting Boston-level finance or biotech comp not available in Providence at scale, and a real consideration for HNW retirees facing the $1.84M estate-tax cliff.
What now
Run your numbers in the calculator at the top of this page. Rhode Island's calc engine reflects the 3-bracket schedule plus the TDI 1.2% line. Most working professionals see 4.5%–4.9% effective state-plus-TDI rate at typical comp ($60K–$200K).
If you own your home, file the senior, veteran, or disabled property tax exemption with your town assessor if any apply. Town-by-town variation is substantial; Providence and Cranston run more aggressive programs than suburban towns. If you believe your assessed value exceeds market, file an abatement appeal during the same window.
Max your and capture the CollegeBoundsaver deduction if you have kids (modest at $500/$1,000 cap but worth claiming). At Rhode Island's 4.75% plus 22%–24% federal, every $1,000 pre-tax saves about $268. If you're at CVS Health or Citizens Financial with after-tax 401(k) provisions, the is the highest-leverage move available — verify your plan permits in-plan Roth conversion. If you're an HNW family approaching retirement with $3M+ assets, the residency conversation with an estate attorney experienced in RI exit-domicile planning is genuinely consequential — RI estate tax exposure at $4M assets runs $130K–$170K that Florida or New Hampshire would not touch.
Sources & further reading
- →Rhode Island Division of Taxation — RI-1040 instructions and rate schedule
- →RI Department of Labor and Training — TDI / TCI program rules and rates
- →RIGL § 44-22 — Rhode Island Estate Tax (annual CPI indexing)
- →Rhode Island CollegeBoundsaver 529
- →Tax Foundation — 2026 State Income Tax Rates
- →IRS Rev. Proc. 2025-32 — federal brackets and standard deduction for 2026
A few honest notes
- Not personal tax, legal, or financial advice. Verify with a licensed CPA, EA, or tax attorney before making decisions that depend on these numbers.
- Tax law changes. This guide reflects 2026 IRS schedules and current Rhode Island Division of Taxation rules.
- TDI rate (1.2% on first $89,200 of wages) is set annually by the Rhode Island Department of Labor and Training; verify current year on the DLT site.
- Rhode Island Estate Tax exemption indexes annually per RIGL § 44-22; 2026 ~$1,838,440. HNW exit-domicile planning to Florida or New Hampshire is a common late-career strategy.
- Property tax estimates vary substantially by city/town. Providence and Cranston run 1.7%–2.0%; suburban / coastal towns 0.9%–1.5%.
- MA-RI commuter dynamics: MA-source wages are taxed at MA rates with RI providing credit for tax paid to MA on the resident return; net combined is the higher of the two rates.
- Senior + veteran + disabled property tax exemption programs exist at the town level — apply with your town assessor; not automatic.
- Scenario numbers are illustrative — they don't include every credit, deduction, or wrinkle that might apply to your specific filing situation.
- Reading this page does not create a client relationship between you and ProSalaryTax.
Last updated May 2026 with 2026 IRS schedules, current Rhode Island Division of Taxation guidance, and DLT TDI rate schedule.
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