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City · 11,033 residents · Aguadilla Municipio, Puerto Rico

Aguadilla , Puerto Rico

In Aguadilla, a typical home is worth $110,700 and typical rent is $336 a month. Compared with all of Aguadilla Municipio, typical household income is 37% lower, typical rent is 34% lower, and the share of households that own their home is 13 points lower.

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  • Typical home value

    $110,700

    27% below the municipio

    16% below Puerto Rico

    • Aguadilla
    • Municipio
    • Puerto Rico

  • Typical rent

    $336a month

    34% below the municipio

    42% below Puerto Rico

    • Aguadilla
    • Municipio
    • Puerto Rico

  • Typical household income

    $13,617a year

    37% below the municipio

    48% below Puerto Rico

    • Aguadilla
    • Municipio
    • Puerto Rico

  • Households that own their home

    43%

    13 points below the municipio

    25 points below Puerto Rico

    • Aguadilla
    • Municipio
    • Puerto Rico

Source: U.S. Census Bureau, Average 2020–2024

Aguadilla is in Aguadilla Municipio. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Aguadilla Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Aguadilla apart

What this place has that others do not, from public data, most unusual first.

  1. Aguadilla has the lowest homeownership rate of the 54 cities in Puerto Rico with more than 5,000 people: 43%.

  2. Aguadilla has the lowest typical household income of the 52 cities in Puerto Rico with more than 5,000 people: $13,617.

  3. Aguadilla has the 3rd lowest typical rent of the 50 cities in Puerto Rico with more than 5,000 people ($336).

  4. The typical home in Aguadilla is worth $110,700, 27% less than in Aguadilla Municipio as a whole ($150,800).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Aguadilla

What homes there are in Aguadilla, 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 Aguadilla there is a bit of everything: no kind of home reaches half. The most common are detached houses (42%); in Aguadilla Municipio, 66%.

Year built

In Aguadilla, half of the homes were built before 1974; in Aguadilla Municipio, before 1983.

There are fewer big homes in Aguadilla than in Aguadilla Municipio: 58% have 3 bedrooms or more, against 70%.

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
Monthly rent with utilities

About 76% of rented homes in Aguadilla cost less than HUD's 2-bedroom fair market rent for Aguadilla Municipio ($613).

With a mortgage

$768 a month

Aguadilla Municipio: $907 a month

Without a mortgage

$156 a month

Aguadilla Municipio: $159 a month

Owners with a mortgage

15%

Aguadilla Municipio: 32%

Owning costs less in Aguadilla: with a mortgage, the typical cost is $768 a month; in Aguadilla Municipio, $907. Without one, $156.

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

The typical home value in Aguadilla rose 27% since 2015–2019, about the same as in Aguadilla Municipio (28%).

The typical rent in Aguadilla rose 39% over the same time.

The typical household income in Aguadilla rose 22%: less than home values (+27%) and rent (+39%).

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

MeasureAguadillaAguadilla MunicipioPuerto RicoUnited States
Rental vacancy Unreliable estimate2.4%5.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.3%3.4%
People per household 2.092.392.482.53
Drive alone 77%85%83%69%
Carpool Unreliable estimate4%6%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 9%2%3%3%
Work from home Unreliable estimate8%6%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.09 on average, against 2.39 in Aguadilla Municipio.

In Aguadilla, 9% of workers walk or bike to work; in Aguadilla Municipio, 2%.

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

Do the math

What would you pay each month for a home in Aguadilla?

A typical home costs more than the typical income allows

We start with a typical home in Aguadilla, worth $110,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 80% of the typical household income in Aguadilla, which is $13,617 a year. For that payment to be 28% of income, a household would need to earn about $38,993 a year.

The calculator's FHA and conventional loan limits are those of all of Aguadilla Municipio.

Your numbers

Local data
$

Starts at the typical home value in Aguadilla. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $3,875 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$910

at 7.18% · 30 years

Loan amount
$108,694
Total interest
$156,386
Paid off in
November 2056

Includes $1,869 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $318 a month

  • Tight

    $318 to $409 a month

  • Hard

    more than $409 a month

    Your payment · 80%

Compared with the typical household income in Aguadilla ($13,617 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$910
Principal & interest$736
Property tax$78
Home insurance$46
FHA mortgage insurance (MIP)$49

You need at least $3,875 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Aguadilla and Aguadilla Municipio

Aguadilla is in Aguadilla Municipio, Puerto Rico. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Aguadilla's own numbers

Typical home value
$110,700
Typical monthly rent
$336
Typical yearly household income
$13,617
Households that own their home
43%
Effective property tax rate
0.85%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Aguadilla Municipio

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$613

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Aguadilla Municipio.

Everything about Aguadilla Municipio

Buying

Buying a home in Aguadilla

A typical home in Aguadilla is worth $110,700: 27% below the municipio and 16% below Puerto Rico. With the typical household income in Aguadilla ($13,617 a year), a typical home costs 8.1 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Aguadilla 8.1 years
  • Municipio 7.0 years
  • Puerto Rico 5.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Puerto Rico

FHFA publishes no annual price index in Aguadilla Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

Aguadilla next to Aguadilla Municipio, Puerto Rico and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Aguadilla $110,700
  • Municipio $150,800
  • Puerto Rico $131,500
  • United States $332,700
Typical monthly rent
  • Aguadilla $336
  • Municipio $509
  • Puerto Rico $578
  • United States $1,413
Typical yearly household income
  • Aguadilla $13,617
  • Municipio $21,540
  • Puerto Rico $26,297
  • United States $80,734
See the full table
Aguadilla next to Aguadilla Municipio and Puerto Rico
Measure Aguadilla Aguadilla Municipio Puerto Rico U.S.
Typical home value $110,700 $150,800 $131,500 $332,700
Typical monthly rent $336 $509 $578 $1,413
Typical yearly household income $13,617 $21,540 $26,297 $80,734
Households that own their home 43% 56% 68% 65%
Typical yearly property tax $942 $569 $646 $3,119
Effective property tax rate 0.85% 0.38% 0.49% 0.94%
Renters with high rent for their income 50% 44% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Aguadilla Municipio. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Aguadilla

For a typical $110,700 home in Aguadilla, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Aguadilla's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $910a month

    Least cash to close
    Down payment
    $3,875
    Cash to close
    $7,196
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $49

  • Conventional, 5% down $890a month

    Down payment
    $5,535
    Cash to close
    $8,856
    Rate
    7.18%
    Mortgage insurance
    PMI · $53

  • Conventional, 20% down, no PMI $724a month

    Down payment
    $22,140
    Cash to close
    $25,461
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $827a month

    Down payment
    $16,605
    Cash to close
    $19,926
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Aguadilla and for Aguadilla Municipio.

Property tax

Effective rate in Aguadilla

0.85%of the home’s value each year

$942 a year for the typical owner in Aguadilla.

  • Aguadilla 0.85%
  • Municipio 0.38%
  • Puerto Rico 0.49%

What Puerto Rico publishes Residential exemption (Puerto Rico Municipal Code (Act 107-2020), OGP Virtual Library)

Exemptions and deadlines in Puerto Rico

Flood risk in Aguadilla Municipio

FEMA does not publish these numbers by city: they are for all of Aguadilla Municipio.

FEMA does not publish these numbers for Aguadilla Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Aguadilla

Typical rent in Aguadilla is $336 a month: 34% below the municipio. In Aguadilla, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Aguadilla Municipio, by unit size. To pay the 2-bedroom one ($613 a month) without spending more than 30% of your income, you would need to earn $11.79 an hour working full time.

HUD fair market rent for all of Aguadilla Municipio

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $504 $9.69 $20,160
1 bedroom $507 $9.75 $20,280
2 bedrooms $613 $11.79 $24,520
3 bedrooms $731 $14.06 $29,240
4 bedrooms $820 $15.77 $32,800

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Aguadilla

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Aguadilla is in ZIP code 00603.

For 2 bedrooms it is $670: $57 more than the fair market rent for Aguadilla Municipio ($613).

  • 00603 $670$800

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Aguadilla when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Aguadilla

HUD lists 14 buildings with rents for lower incomes in Aguadilla. These are the largest.

  • DR Agustin Stahl 20 Res Agustin Stahl, Aguadilla 00603 400 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $126 a month · Average wait: 25 months (787) 759-9407
  • Jose Agustin Aponte 1 Res Dr J Aponte, Aguadilla 00603 300 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $108 a month · Average wait: 13 months (787) 759-9407
  • Bernardino Villanueva 12 Res Villanueva, Aguadilla 00603 252 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $134 a month · Average wait: 11 months (787) 759-9407
  • La Montana 1 Res La Montana, Aguadilla 00603 220 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $95 a month · Average wait: 16 months (787) 759-9407
  • Cuesta Vieja 11 Res Cuesta Vieja, Aguadilla 00603 200 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $96 a month · Average wait: 10 months (787) 759-9407

See all 14 buildings in Aguadilla Municipio Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Aguadilla

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Aguadilla Municipio. The nearest ones are below; many serve by phone or online.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Aguadilla

No down payment, repair or rent-help program on our list is for Aguadilla or Aguadilla Municipio. The ones below are statewide in Puerto Rico: they work in Aguadilla the same as in the rest of the state.

Which programs do I qualify for? All programs in Puerto Rico

  • Pronto pa' tu Casa

    Statewide in Puerto Rico

    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

    See the program Official page

  • Programa HOME: Asistencia directa al comprador

    Statewide in Puerto Rico

    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

    See the program Official page

Housing counselors near Aguadilla

The HUD-approved agencies closest to the center of Aguadilla, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Centro de Apoyo Familiar (CAF) PR

    92 Calle La Paz, Aguada · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (301) 328-3292

  • Corporacion Desarrollo Economico,vivienda y Salud

    68 Calle Puro Girau, Arecibo · 29 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (787) 879-3300

  • Ponce Neighborhood Housing Services, Inc.

    57 Calle Mendez Vigo, Ponce · 46 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (787) 841-5055

All counseling agencies in Puerto Rico

Help in Spanish near Aguadilla

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Aguadilla

In HUD’s record, no housing authority with an office in Aguadilla Municipio is named for Aguadilla or Aguadilla Municipio.

One other authority has an office in Aguadilla Municipio: see the list Source: HUD

Cities

Nearby cities

The cities closest to Aguadilla, with the typical home value.

Everything about Aguadilla Municipio Housing in Puerto Rico

Neighboring counties

If Aguadilla Municipio is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Aguadilla.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Aguadilla

Short answers with the numbers for Aguadilla and all of Aguadilla Municipio. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Aguadilla?

The typical home value in Aguadilla is $110,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Aguadilla Municipio it is $150,800.

How much does it cost to rent in Aguadilla?

Typical rent in Aguadilla is $336 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Aguadilla Municipio is $613.

What is the FHA loan limit in Aguadilla?

Aguadilla uses the FHA limit for all of Aguadilla Municipio (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Aguadilla?

The typical homeowner in Aguadilla pays $942 a year, according to the U.S. Census Bureau. That is 0.85% of the home’s value; in Aguadilla Municipio, the rate is 0.38%.

Where can I find free help to buy or rent in Aguadilla?

We found no HUD-approved counseling agencies with an office in Aguadilla Municipio; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026).