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🛡️ Calculadora de Seguro de Incapacidad en Rhode Island — 2026

Rhode Island (RI) · Impuesto estatal: 5.99% · Impuesto predial: 1.53% · Casa mediana: $440,000

Escrito por Jere Salmisto·Revisado por CalcFi Editorial·Última revisión 2026-04-19·Metodología

¿Buscas la calculadora nacional de Calculadora de Seguro de Incapacidad? Ver la Calculadora de Seguro de Incapacidad nacional.

Datos financieros de Rhode Island (2026): impuesto estatal 5.99%, impuesto predial 1.53%, valor mediano de vivienda $440,000, seguro de hogar $1,420/año, índice de costo de vida 102.1. El ingreso mediano del hogar es $92,290.[1][2]

Datos clave de Rhode Island (2026)

Impuesto estatal

5.99%

Casa mediana

$440,000

Impuesto predial

1.53%

Costo de vida

102.1

Ingreso mediano del hogar: $92,290 · Pago PITI estimado en casa mediana: $3,049/mes [3]

Usa la calculadora de seguro de incapacidad

Cómo funciona el cálculo

La calculadora de seguro de incapacidad aplica los números locales de Rhode Island de 2026 a la fórmula estándar del cálculo. Los datos de estado vienen del repositorio de CalcFi con refresco automático ISR de 24 horas. Fuentes primarias: Zillow ZHVI[1], BEA RPP[7], Tax Foundation[2].

Cómo se compara Rhode Island

MétricaRhode IslandProm. EE.UU.CTMA
Casa mediana$440,000$425,000$305,000$465,000
Impuesto predial1.53%1.11%2.14%1.23%
Impuesto estatal (marginal)5.99%~5%4.50%5.00%
Índice costo de vida102.1100.0117125

Última revisión 2026-04-19. Estimaciones 2026. Variaciones por condado y ciudad.[7]

← Ver Calculadora de Seguro de Incapacidad (sin filtro de estado)
🇺🇸English version: Calculadora de Seguro de Incapacidad for Rhode Island →

Estados vecinos — Calculadora de Seguro de Incapacidad

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Calculadora de Seguro de Incapacidad — Todos los estados

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Preguntas frecuentes

¿Cómo funciona la calculadora de seguro de incapacidad en Rhode Island?
La calculadora de seguro de incapacidad combina tres inputs: (1) la fórmula de cálculo que corre localmente en tu navegador (sin enviar datos), (2) constantes financieras de Rhode Island para 2026 — impuesto estatal 5.99%, impuesto predial 1.53%, casa mediana $440,000 — y (3) promedios nacionales para comparación. Todos los números provienen de datasets públicos primarios citados al final de esta página.

Datos financieros de Rhode Island (2026)

Impuesto estatal
5.99%
Impuesto predial (efectivo)
1.53%
Valor mediano de vivienda
$440,000
Seguro de hogar (promedio)
$1,420/año
Índice costo de vida (RPP)
102.1
Abreviatura
RI
Metodología — cómo calculamos estos números

Las páginas pSEO de CalcFi combinan tres inputs: (1) la fórmula de la calculadora, que corre del lado del cliente (ningún dato sale de tu navegador); (2) constantes financieras a nivel de estado de datasets públicos primarios; y (3) benchmarks nacionales para comparación. La página de Rhode Island usa el impuesto predial (1.53%), el precio mediano de vivienda ($440,000), y el 5.99% de impuesto estatal de las fuentes listadas más abajo.

Frecuencia de actualización: los tramos de impuesto estatal y salario mínimo se revisan anualmente tras cada sesión legislativa. Impuesto predial, precio mediano de vivienda, seguro, y cifras de costo de vida se revisan anualmente contra fuentes primarias. El dateModified de la página coincide con la fecha más reciente de revisión editorial mostrada arriba.

Limitaciones conocidas: los promedios estatales ocultan gran varianza intra-estado — el impuesto predial a nivel de condado y los precios de vivienda metropolitanos difieren significativamente de las cifras mostradas. Para cálculos más precisos, cruza la salida con el tasador de tu condado y las tablas de impuestos federales/estatales vigentes al momento de presentar tu declaración.

Sources

Every number on this page cites a primary public dataset. Last reviewed 2026-04-19 (auto-bumped on the next ISR refresh after an ETL run).

  1. NAIC Dwelling Fire, Homeowners Owners, and Homeowners Tenants Insurance Report — content.naic.org/article/homeowners-insurance-report. Retrieved 2026-04-19.
  2. Zillow Research — ZHVI (Zillow Home Value Index) + ZORI (Zillow Observed Rent Index) — www.zillow.com/research/data. Retrieved 2026-04-19.
  3. U.S. Census Bureau — American Community Survey (ACS) 5-year estimates — www.census.gov/programs-surveys/acs. Retrieved 2026-04-19.
  4. Internal Revenue Service — federal individual income tax brackets and standard deductions — www.irs.gov/forms-pubs/about-publication-17. Retrieved 2026-04-19.
  5. Freddie Mac Primary Mortgage Market Survey (PMMS) — weekly national mortgage rates — www.freddiemac.com/pmms. Retrieved 2026-04-19.
  6. Tax Foundation — Property Taxes Paid as % of Owner-Occupied Housing Value; State Tax Rates and Brackets; Estate/Inheritance; Social Security Taxation — taxfoundation.org/data/all/state. Retrieved 2026-04-19.
  7. State Departments of Revenue — official bracket + deduction publications (one primary URL per state; linked in the brackets table below) — taxfoundation.org/data/all/state/state-income-tax-rates. Retrieved 2026-04-19.
  8. Bureau of Economic Analysis — Regional Price Parities by State — www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area. Retrieved 2026-04-19.
  9. U.S. Department of Labor — State Minimum Wage Laws — www.dol.gov/agencies/whd/minimum-wage/state. Retrieved 2026-04-19.
  10. FRED (Federal Reserve Economic Data) — real median household income, unemployment, HPI, LFPR per state — fred.stlouisfed.org. Retrieved 2026-04-19.
  11. BLS Occupational Employment and Wage Statistics (OEWS) — state-level occupational wages — www.bls.gov/oes. Retrieved 2026-04-19.

CalcFi does not sell data. If you spot an error, email [email protected] with the URL and the correct figure.

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  • ·Benefit period options: 2-year, 5-year, to age 65, or to age 67
  • ·Own-occupation vs. any-occupation definition distinction noted — own-occ preferred but costlier
When this is wrong
  • ·Individual underwriting: occupation class, health history, income docs drive actual premium 30–60% from estimate
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Assumptions· 2026▾
  • ·Income replacement ratio: long-term disability typically covers 60–70% of gross income
  • ·Elimination period tradeoff: 30/60/90/180-day wait; longer wait = lower premium
  • ·Benefit period options: 2-year, 5-year, to age 65, or to age 67
  • ·Own-occupation vs. any-occupation definition distinction noted — own-occ preferred but costlier
When this is wrong
  • ·Individual underwriting: occupation class, health history, income docs drive actual premium 30–60% from estimate
  • ·Group LTD through employer: typically not portable; may coordinate with SSDI award
  • ·Mental/nervous condition limits: many policies cap at 24 months benefit
  • ·Future Increase Option (FIO) rider allows coverage increase without re-underwriting

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Target Benefit (65%)
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Current Coverage
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If Disabled (total)
$33,000

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Published byJere Salmisto· Founder, CalcFiReviewed byCalcFi EditorialEditorial standardsMethodologyLast verified April 21, 2026

Primary sources & authoritative references

Every formula on this page traces to a federal agency, central bank, or peer-reviewed institution. We cite the rule-makers, not secondhand blogs.

  • SSA — Disability Benefits (SSDI eligibility and benefit amounts) — Social Security AdministrationDefines SSDI benefit formula and 5-month waiting period. (opens in new tab)
  • DOL EBSA — Disability Insurance FAQs — U.S. Department of LaborShort-term and long-term disability plan requirements under ERISA. (opens in new tab)
  • IRS Topic 428 — Disability Income Taxation — Internal Revenue ServiceWhen employer-paid disability benefits are taxable to the recipient. (opens in new tab)

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