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State

Data from November 2026

Housing , home prices, rents and assistance in Puerto Rico (2026)

In Puerto Rico, a typical home is worth $131,500 and the typical rent is $578 a month. The FHA limit for a one-unit home runs from $541,287 to $690,000 depending on the municipality. 9 HUD-approved counseling agencies serve Puerto Rico; 7 say they serve you in Spanish.

Most populous:

Typical home value by municipality

  • Under $100,500
  • $100,500–$111,600
  • $111,600–$120,100
  • $120,100–$144,000
  • $144,000 or more

Tap the map to see each municipality’s figure and open its page.

Typical home value
$131,500
60% less than the U.S.
U.S.: $332,700
Typical rent per month
$578
59% less than the U.S.
U.S.: $1,413
Typical household income
$26,297
67% less than the U.S.
U.S.: $80,734
FHA limit, 1 unit
$541,287 to $690,000
It changes by municipality. The highest applies in 40 municipalities.
U.S.: $541,287 to $1,299,500
Property tax
0.49%
of value a year
The typical bill is $646 a year.
U.S.: 0.94%

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD)

In short

Living in Puerto Rico

In Puerto Rico, a typical home is worth $131,500: 60% less than in the United States overall. Prices change a lot by municipality: from $86,500 in Las Marías Municipio to $226,800 in Guaynabo Municipio. The typical household earns $26,297 a year and the typical rent is $578 a month; 51% of renter households spend 30% or more of their income on housing. 68% of households own their home, and the typical property tax is $646 a year (about 0.49% of value).

The conforming loan limit for a one-unit home is $832,750 across Puerto Rico. To pay HUD’s fair rent for a 2-bedroom apartment in Puerto Rico ($641) without spending more than 30% of income, you need about $12.33 an hour working full time.

Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

The essentials in Puerto Rico

More on property tax

  • Residential exemption

    If you use the property as a home, you pay no tax on the first $15,000 of valuation. That valuation is measured at 1957 replacement cost (the last scientific appraisal), not today's price.

    Puerto Rico Municipal Code (Act 107-2020), OGP Virtual Library · Verified October 15, 2026

  • The exemption must be claimed

    The exemption is not automatic: you prove eligibility with a certification filed with CRIM, or with your mortgage lender if there is a mortgage, in the form and by the date CRIM sets.

    Puerto Rico Municipal Code (Act 107-2020), OGP Virtual Library · Verified October 15, 2026

  • Deadline to request an administrative review

    If you disagree with CRIM's tax notice, you can request an administrative review in writing within 30 calendar days of its mailing or electronic delivery, stating your reasons and the amount you believe correct. Within that term you must pay the whole tax, or 100% of the undisputed part plus 40% of the disputed part. CRIM has 60 days to decide.

    Puerto Rico Municipal Code (Act 107-2020), OGP Virtual Library · Verified October 15, 2026

  • Internal revenue stamps on the deed (notarial fees)

    The original of every document a notary authorizes carries internal revenue stamps according to its amount (the document's stated sum). Above $5,000, the original carries $2 for the first $1,000 and $1 more for each additional $1,000 or fraction.

    Notarial Fees Act (Act 101-1943), OGP Virtual Library · Verified October 16, 2026

  • Legal Aid Society stamp on the deed of sale

    The deed of sale carries Legal Aid Society stamps: $5 on the original when the amount is between $25,000 and $50,000, and $5 more on the original for each additional $50,000 or fraction.

    Notarial Fees Act (Act 101-1943), OGP Virtual Library · Verified October 16, 2026

  • Property Registry recording fees

    To record each right on a property in the Property Registry, when the property or right is worth more than $25,000, the fee is $50 for the first $25,000 and $4 for each additional $1,000 or fraction.

    Property Registry Fee Act (Act 91-1970), OGP Virtual Library · Verified October 16, 2026

The homes here

Housing in Puerto Rico

What homes there are in Puerto Rico, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Puerto Rico, 7 in 10 homes are single-family detached houses; in the U.S., 6.

Year built

The typical year built in Puerto Rico is 1979, about the same as in the U.S. (1980).

In Puerto Rico, 72% of homes have 3 bedrooms or more, more than in the U.S. (61%).

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The largest group of owner-occupied homes in Puerto Rico is worth between $100K and $200K: 48%.

Monthly rent with utilities

Looking at what people pay in rent in Puerto Rico, the most common range is between $500 and $999 a month (47%).

With a mortgage

$946 a month

United States: $1,963 a month

Without a mortgage

$180 a month

United States: $638 a month

Owners with a mortgage

37%

United States: 61%

In Puerto Rico, 37% of owners have a mortgage, and their typical cost is $946 a month, against $1,963 in the U.S.. Without one it drops to $180.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Puerto Rico rose 18%; in the U.S., it rose 53%.

Since 2015–2019, the typical rent in Puerto Rico rose 21%, less than in the U.S. (33%).

The typical household income in Puerto Rico rose 28%: more than home values (+18%) and rent (+21%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasurePuerto RicoUnited States
Rental vacancy 5.1%5.5%
Homeowner vacancy 1.3%0.9%
More than one person per room 2.3%3.4%
People per household 2.482.53
Drive alone 83%69%
Carpool 6%9%
Public transit 1%3%
Walk or bike 3%3%
Work from home 6%15%
Other means 2%2%
Typical commute 20 to 29 minutes20 to 29 minutes

In Puerto Rico, the rental vacancy rate is 5.1%, about the same as in the U.S..

More than one person per room: that is how 2.3% of households in Puerto Rico live, less than in the U.S. (3.4%).

Much as in the U.S., a household in Puerto Rico has 2.48 people on average.

The car rules in Puerto Rico: 83% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Places

Explore the municipalities in Puerto Rico

Sort by any column or type a name. The 25 most populous are shown; the button reveals the rest.

See the municipalities page

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

Calculator

Work out your payment in Puerto Rico

Start from the typical home value in Puerto Rico, $131,500, and this week’s average rate. Move the price and the down payment to see your monthly payment. If you already visited a county, the calculator uses its numbers.

More math for Puerto Rico

$
%

Estimated monthly payment

$1,041

FHA loan over 30 years, with estimated taxes and insurance.

See the full calculation

Prices and risks

Three official measures that help you decide: how much home prices have changed according to FHFA, how prices compare with the national average according to BEA, and how many homes sit in a flood zone according to FEMA.

FHFA does not publish an annual price index in Puerto Rico. This usually happens when there are too few sales to measure. BEA does not publish price parities in Puerto Rico. FEMA does not publish this flood insurance data in Puerto Rico. Check your address on FEMA’s map.

Places

Cities in Puerto Rico

The 9 most populous cities with a page. Each one compares its prices and rents with its county.

See the other cities (45)

    Help to buy

    Assistance programs in Puerto Rico

    Our list has 2 official programs that help you buy in Puerto Rico. Each card says what kind of help it gives and when we checked its official page.

    See all 2 programs
    1. Pronto pa' tu Casa

      Puerto Rico Housing Finance Authority help of up to $45,000 per eligible household (plus $5,000 if you buy in a designated urban center) to buy an existing home; with a mortgage from a participating financial institution. Offered by Autoridad para el Financiamiento de la Vivienda de Puerto Rico (AFV).

      Type not stated Verified November 5, 2026

    2. Programa HOME: Asistencia directa al comprador

      Puerto Rico Housing Finance Authority help, with federal HOME funds, for the down payment (pronto pago) of low- and moderate-income families who buy their primary residence with a mortgage; not repaid if you meet the program's conditions. Offered by Autoridad para el Financiamiento de la Vivienda de Puerto Rico (AFV).

      Type not stated Verified November 5, 2026

    Tenant rights

    Tenant rights in Puerto Rico

    We have not yet verified this state's rules against their source. In the meantime, ask free legal aid in your area.

    See every right

    1. How much can they charge for a deposit?

      Data not available

    2. When must they return my deposit?

      Data not available

    3. If I fall behind on rent, what notice must I get?

      Data not available

    4. How much notice ends a month-to-month rental?

      Data not available

    5. Are there limits on late fees?

      Data not available

    Colorful historic houses line a cobblestone street in Puerto Rico.

    Help and advice

    Who can help you in Puerto Rico?

    You do not have to do this alone. A HUD-approved housing counselor gives independent advice on buying, renting, late payments and credit, often free or at low cost.

    9 HUD-approved counseling agencies serve Puerto Rico; 7 say they serve you in Spanish. Choose your municipality to see the closest ones with their phone number.

    73 public housing authorities run Section 8 vouchers and public housing in Puerto Rico.

    See all 9 agencies See the housing agencies

    Who runs the help in Puerto Rico

    • Autoridad para el Financiamiento de la Vivienda de Puerto Rico (AFV)

      The main mission of the Autoridad para el Financiamiento de la Vivienda de Puerto Rico (AFV) is to promote social-interest housing (housing for low- and moderate-income families) and to provide financing, subsidies and incentives so people can buy or rent a decent home. Its programs include housing subsidies to help people buy homes and mortgage loans for low- and moderate-income people.

      The agency's official page · Verified October 17, 2026

    Guides

    Guides for you in Puerto Rico

    We picked them with the numbers of Puerto Rico. Each one says why it can help you.

    Frequently asked questions about housing in Puerto Rico

    What is the FHA limit in Puerto Rico in 2026?

    In Puerto Rico, the FHA limit for a one-unit home runs from $541,287 to $690,000. The highest is in Aguas Buenas Municipio.

    How much does a typical home cost in Puerto Rico?

    The typical home value in Puerto Rico is $131,500 (Average 2020–2024, U.S. Census). The highest is in Guaynabo Municipio ($226,800) and the lowest in Las Marías Municipio ($86,500).

    How much does it cost to rent in Puerto Rico?

    The typical rent in Puerto Rico is $578 a month (Average 2020–2024, U.S. Census).

    How much do you need to earn to rent a 2-bedroom apartment in Puerto Rico?

    At HUD's average fair market rent in Puerto Rico ($641, Fiscal year 2027), about $12.33 an hour working full time, so rent stays under 30% of income.

    How much is property tax in Puerto Rico?

    The typical property tax in Puerto Rico is $646 a year, about 0.49% of home value (Average 2020–2024, U.S. Census).

    Where can I find free help in Spanish to buy a home in Puerto Rico?

    There are 9 HUD-approved counseling agencies in Puerto Rico; 7 say they serve you in Spanish. Each municipality page lists the closest ones with their phone number.

    Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); Census Bureau cartographic boundary files (2024 data).