If this is really an ongoing issue please PLEASE get off Reddit and go see your Dr or go to a clinic that accepts your insurance.

This is not the place to diagnose health issues and respiratory issues can be very serious very rapidly.

If Zyrtec was recommended and it does not work for you, you might try an alternative OTC like Xyzal, Clarintin, or Allegra. Assuming an antihistamine isn’t working a steroid based inhaler may need to be prescribed. But these are things a medical professional should advise you on

There are no out of the ordinary allergens at this time of year in RI. There is a post summer season form August through September, but it’s over by this time. The rain as of late would also curb that. As for mold that is situational to where you live. If you don’t have mold issues in your home any other time of the em year then you would not suddenly have them now.