Homes, values and local insight for Charlestown, Washington County, Rhode Island. Typical home value $703,000.
Reviewed and updated October 3, 2026 by Ryan and Megan Winslow, Winslow Homes
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Charlestown is a distinctive Rhode Island community that offers residents a blend of local character, quality amenities, and regional convenience.
The Charlestown real estate market serves a range of buyers including first-time homeowners, growing families, professionals, and retirees. Properties include single-family homes, condominiums, and townhouses across various price points and styles that reflect the area's architectural heritage and modern development.
Winslow Homes LLC and Ryan & Megan Winslow serve Charlestown buyers and sellers across Rhode Island. Ryan and Megan Winslow provide both real estate brokerage and mortgage services as Mortgage Bankers with The Federal Savings Bank (Ryan Winslow NMLS #2426605 | Megan Winslow NMLS #2692933). Get pre-approved at www.winslowloan.com or call 386-690-5858.
Explore Charlestown Neighborhoods
Historic center with local shops, dining, and civic institutions.
Residential area with established neighborhoods and good school access.
Quiet residential streets with a mix of homes and convenient commuter access.
Expanding area with newer construction and family-friendly amenities.
Unique Property Types in Charlestown
Properties with lake, pond, or reservoir access where available in Charlestown.
Homes near local waterways offering natural settings and scenic views.
What Every Buyer Must Know
Some areas of Charlestown near waterways may fall in AE flood zones. Verify specific property with FEMA flood map.
Moderate flood risk exists in select Charlestown areas near wetlands or drainage basins.
Most Charlestown properties are in Zone X (minimal flood risk). Flood insurance optional but may be recommended.
Insurance Tip: Rhode Island homeowners insurance averages $1,400-$2,400 annually. Coastal zones require windstorm coverage.
Real Estate Investment in Charlestown
Steady appreciation and rental demand make Charlestown suitable for long-term wealth building.
Rental demand in Charlestown supports cash flow strategies for single-family and multifamily properties.
Older properties in Charlestown offer value-add opportunities through renovation and modernization.
Charlestown investment risks include regional market volatility, property tax changes, and insurance cost increases. Work with experienced agents to assess individual opportunities.
Where New Homes Are Being Built
New development zones on the outskirts of Charlestown offer modern construction and newer floor plans.
Buyer Tips for New Construction: Always hire your own inspector for new builds. Review CDD obligations carefully. Negotiate upgrades, not price. A buyer's agent costs you nothing with new construction and provides critical representation.
Drive Times & Work-From-Anywhere
Convenient access from Charlestown to nearby cities via major roads and highways.
Charlestown residents commute to regional metropolitan areas for employment and entertainment.
Charlestown supports remote workers with reliable broadband access, quiet residential settings, and home office-friendly properties.
Your Dollar in Charlestown
Rhode Island property tax averages 1.53%. Homestead exemptions available in some municipalities. Tax rates set by town assessors.
Rhode Island has a progressive income tax from 3.75% to 5.99%. Property taxes vary by municipality and are among the higher rates in New England. The state offers a homestead exemption and property tax relief for seniors. Car tax elimination has been phased in across municipalities.
Cost of living in Charlestown aligns with regional Rhode Island averages. Housing remains the largest expense category.
Homeowners insurance in Charlestown averages $1,200-$2,400 annually. Coverage varies by property age, value, and risk factors.
Living the Charlestown Life
Charlestown offers parks, trails, and outdoor recreation opportunities year-round.
Local restaurants, cafes, and cultural venues provide community gathering spaces in Charlestown.
Local retail, services, and major shopping areas accessible within and near Charlestown.
Employment & Economic Drivers
Retail, professional services, and hospitality anchor the Charlestown economy.
Residents also commute to regional employment centers for professional opportunities.
Remote work grows as a major economic factor in Charlestown, supported by quality broadband and home-office friendly properties.
Getting Around Charlestown
Charlestown connects to major highways and arterials providing access to regional destinations.
Charlestown offers walkable neighborhoods and bike-friendly areas in the town center and residential zones.
Charlestown residents access regional airports within reasonable driving distance for domestic and international travel.
What's Coming to Charlestown
Expanding development areas bringing new construction to Charlestown.
The Charlestown market outlook remains positive with steady demand, moderate appreciation, and balanced inventory conditions expected through 2026.
Real Estate Investment in Charlestown
Pre-approve financing before searching. Work with Charlestown-focused agents.
Long-term holds in Charlestown benefit from regional appreciation trends.
DISCUSS INVESTMENT STRATEGY
Avoid These Costly Errors
Get pre-approved with Ryan & Megan Winslow, Mortgage Bankers with The Federal Savings Bank, before shopping.
Budget for taxes, insurance, HOA, and maintenance beyond the mortgage payment.
A local Charlestown agent knows which streets flood, which buildings have pending special assessments, and which neighborhoods are appreciating fastest. Buyer agent services are free to the buyer in most transactions.
The typical home in Charlestown is worth $703,000, 2% above the Washington County typical value of $690,000 and 38% above the Rhode Island typical value of $511,000.
Zillow Home Value Index for Charlestown, August 2026. The middle of the market for single family homes and condos.
Home values in Charlestown moved +35.0% over five years and +111.5% over ten.
Median gross rent in Charlestown. Useful for investors running rental numbers.
Share of occupied homes in Charlestown lived in by the owner.
Older homes often need inspection focus on roof, systems and windows.
Median household income in Charlestown.
Ryan and Megan are mortgage bankers with The Federal Savings Bank, lending in all 50 states. You get the home and the loan from one team. On a typical Charlestown home of $703,000:
Ryan and Megan price Charlestown homes from recent sales, not guesses. Send your address and you get a free market analysis, with no obligation.
Typical value $639,000 · 23,288 residents
Area guide →Typical value $726,000 · 32,094 residents
Area guide →Typical value $495,000 · 8,431 residents
Area guide →Typical value $528,000 · 8,142 residents
Area guide →Typical value $867,000 · 14,407 residents
Area guide →Typical value $1,842,000 · 1,413 residents
Area guide →See the full Washington County real estate guide or the Rhode Island real estate guide.
The Zillow Home Value Index for Charlestown was $703,000 in August 2026, +3.9% over the past year.
Charlestown is in Washington County, Rhode Island.
About 8,052 people as of the 2024 Census Bureau estimate, up from 7,996 in 2020.
Ryan and Megan Winslow of Winslow Homes have sold over 3,000 homes since 2009 and are licensed in Florida, Massachusetts, Connecticut and Rhode Island. Call or text 386-690-5858.
Apply at www.winslowloan.com. Ryan and Megan are mortgage bankers with The Federal Savings Bank and lend in all 50 states, including FHA, VA and conventional loans.
87% of occupied homes in Charlestown are owner occupied, based on the 2019 to 2023 American Community Survey.
17 years, over 3,000 homes sold, and one team for the home and the loan. Call or text 386-690-5858.
Sources: U.S. Census Bureau 2024 population estimates and 2019 to 2023 American Community Survey; Zillow Home Value Index, August 2026. Numbers update as new data is released. Talk to Ryan and Megan for current sold prices on your street.
No in-person meeting or phone call needed for most addresses. See your estimated value, price range and value trend in seconds.
Get coming-soon homes, pocket listings and price drops in Charlestown, RI before they hit the big home search sites.
The typical home in Charlestown is worth $705,889 as of August 2026 in ZIP code 02813. Values moved +3.9% over the last 12 months at the middle ZIP code.
| ZIP | Typical value | 12 months | 5 years | Median sale, Mar to May 2026 | Days on market |
|---|---|---|---|---|---|
| 02813 | $705,889 | +3.9% | +35.0% | $694,500 | 34 |
Sources: Zillow Home Value Index through August 2026 and the Redfin Data Center ZIP code tracker, March to May 2026. Ask Ryan and Megan for a value for your own home.
