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City · 9,285 residents · Aibonito Municipio, Puerto Rico

Aibonito , Puerto Rico

In Aibonito, a typical home is worth $112,400 and typical rent is $492 a month. Compared with all of Aibonito Municipio, typical household income is 16% lower, the typical home value is 9% lower, and the share of households that own their home is 10 points lower.

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  • Typical home value

    $112,400

    9% below the municipio

    15% below Puerto Rico

    • Aibonito
    • Municipio
    • Puerto Rico

  • Typical rent

    $492a month

    2% above the municipio

    15% below Puerto Rico

    • Aibonito
    • Municipio
    • Puerto Rico

  • Typical household income

    $18,357a year

    16% below the municipio

    30% below Puerto Rico

    • Aibonito
    • Municipio
    • Puerto Rico

  • Households that own their home

    65%

    10 points below the municipio

    3 points below Puerto Rico

    • Aibonito
    • Municipio
    • Puerto Rico

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

Aibonito is in Aibonito Municipio. The FHA loan limit ($690,000 for a one-unit home), the fair market rents and the help on this page are those of all of Aibonito Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Aibonito apart

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

  1. Nearby, in Coco, the typical home value is $70,700: 37% less than in Aibonito ($112,400).

  2. The typical household income in Aibonito is $18,357, 16% less than in Aibonito Municipio as a whole ($21,744).

  3. 65% of households in Aibonito own their home, against 75% in Aibonito Municipio.

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

The homes here

Housing in Aibonito

What homes there are in Aibonito, 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 Aibonito, 7 in 10 homes are single-family detached houses, about the same as in Aibonito Municipio.

Year built

By age, homes in Aibonito look like those in Aibonito Municipio: the typical year built is 1978.

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

HUD's 2-bedroom fair market rent (FMR) for Aibonito Municipio is $521: about 55% of rents in Aibonito are below it.

With a mortgage

$763 a month

Aibonito Municipio: $842 a month

Without a mortgage

$150 a month

Aibonito Municipio: $159 a month

Owners with a mortgage

32%

Aibonito Municipio: 30%

In Aibonito, 32% of owners have a mortgage, and their typical cost is $763 a month, against $842 in Aibonito Municipio. Without one it drops to $150.

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 Aibonito did not change clearly: the difference is within the Census margin of error.

Since 2015–2019, the typical rent in Aibonito did not change clearly, according to the Census.

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

MeasureAibonitoAibonito MunicipioPuerto RicoUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.1%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 2.522.512.482.53
Drive alone 92%91%83%69%
Carpool Unreliable estimateUnreliable estimate6%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home Unreliable estimate4%6%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Aibonito Municipio, a household in Aibonito has 2.52 people on average.

The car rules in Aibonito: 92% of workers drive to work alone, and the typical trip takes 10 to 19 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

Do the math

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

A typical home costs more than the typical income allows

We start with a typical home in Aibonito, worth $112,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 55% of the typical household income in Aibonito, which is $18,357 a year. For that payment to be 28% of income, a household would need to earn about $36,180 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Aibonito. 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 $3,934 (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

$859

at 7.18% · 30 years

Loan amount
$110,364
Total interest
$158,788
Paid off in
November 2056

Includes $1,898 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $428 a month

  • Tight

    $428 to $551 a month

  • Hard

    more than $551 a month

    Your payment · 56%

Compared with the typical household income in Aibonito ($18,357 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$859
Principal & interest$748
Property tax$15
Home insurance$47
FHA mortgage insurance (MIP)$50

You need at least $3,934 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

Aibonito and Aibonito Municipio

Aibonito is in Aibonito 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).

Aibonito's own numbers

Typical home value
$112,400
Typical monthly rent
$492
Typical yearly household income
$18,357
Households that own their home
65%

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

Numbers for all of Aibonito Municipio

FHA limit, one-unit home
$690,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$521

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 Aibonito Municipio.

Everything about Aibonito Municipio

Buying

Buying a home in Aibonito

A typical home in Aibonito is worth $112,400: 9% below the municipio and 15% below Puerto Rico. With the typical household income in Aibonito ($18,357 a year), a typical home costs 6.1 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.

  • Aibonito 6.1 years
  • Municipio 5.7 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 Aibonito Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

Aibonito next to Aibonito 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
  • Aibonito $112,400
  • Municipio $124,100
  • Puerto Rico $131,500
  • United States $332,700
Typical monthly rent
  • Aibonito $492
  • Municipio $481
  • Puerto Rico $578
  • United States $1,413
Typical yearly household income
  • Aibonito $18,357
  • Municipio $21,744
  • Puerto Rico $26,297
  • United States $80,734
See the full table
Aibonito next to Aibonito Municipio and Puerto Rico
Measure Aibonito Aibonito Municipio Puerto Rico U.S.
Typical home value $112,400 $124,100 $131,500 $332,700
Typical monthly rent $492 $481 $578 $1,413
Typical yearly household income $18,357 $21,744 $26,297 $80,734
Households that own their home 65% 75% 68% 65%
Renters with high rent for their income 49% 45% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Aibonito 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 Aibonito

For a typical $112,400 home in Aibonito, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, an example home insurance and mortgage insurance when it applies. It leaves out property tax because the Census Bureau doesn't publish Aibonito's rate.

  • FHA, 3.5% down $844a month

    Least cash to close
    Down payment
    $3,934
    Cash to close
    $7,306
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $50

  • Conventional, 5% down $824a month

    Down payment
    $5,620
    Cash to close
    $8,992
    Rate
    7.18%
    Mortgage insurance
    PMI · $53

  • Conventional, 20% down, no PMI $656a month

    Down payment
    $22,480
    Cash to close
    $25,852
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $760a month

    Down payment
    $16,860
    Cash to close
    $20,232
    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 Aibonito and for Aibonito Municipio.

Property tax

Data not available for this place

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 Aibonito Municipio

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

FEMA does not publish these numbers for Aibonito Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Aibonito

Typical rent in Aibonito is $492 a month: 2% above the municipio. In Aibonito, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Aibonito Municipio, by unit size. To pay the 2-bedroom one ($521 a month) without spending more than 30% of your income, you would need to earn $10.02 an hour working full time.

HUD fair market rent for all of Aibonito 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 $450 $8.65 $18,000
1 bedroom $467 $8.98 $18,680
2 bedrooms $521 $10.02 $20,840
3 bedrooms $681 $13.10 $27,240
4 bedrooms $726 $13.96 $29,040

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 Aibonito

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Aibonito is in ZIP code 00705.

For 2 bedrooms it is $550: $29 more than the fair market rent for Aibonito Municipio ($521).

  • 00705 $550$720

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Aibonito 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 Aibonito

HUD lists 4 buildings with rents for lower incomes in Aibonito. These are the largest.

  • Liborio Ortiz 1 Res Liborio Ortiz, Aibonito 00705 160 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $119 a month · Average wait: 24 months (787) 759-9407
  • Las Flores Rd 722 BO. RABANAL, Aibonito 00705 100 low-income homes · For families (787) 735-8255
  • Casa Aibonito Entrada Rosales, Aibonito 00705 198 homes, 99 low-income · For older adults (787) 735-7265
  • Hogar Aurora 5 Calle Jazmin, Aibonito 00705 20 low-income homes · For people with disabilities (939) 417-4536

See all 4 buildings in Aibonito Municipio Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Aibonito

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 Aibonito Municipio. The nearest ones are below; many serve by phone or online.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Aibonito

No down payment, repair or rent-help program on our list is for Aibonito or Aibonito Municipio. The ones below are statewide in Puerto Rico: they work in Aibonito 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 Aibonito

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

  • One Stop Career Center of Puerto Rico

    839 Calle Anasco Ste 5, San Juan · 23 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (787) 296-1785

  • Ponce Neighborhood Housing Services, Inc.

    57 Calle Mendez Vigo, Ponce · 25 miles away

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

  • CCCS of Puerto Rico

    1607 Avenue Ponce de Leon, Santurce · 25 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (787) 722-8835

All counseling agencies in Puerto Rico

Help in Spanish near Aibonito

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 Aibonito

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

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

Cities

Nearby cities

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

Everything about Aibonito Municipio Housing in Puerto Rico

Neighboring counties

If Aibonito 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 Aibonito.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Aibonito

Short answers with the numbers for Aibonito and all of Aibonito 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 Aibonito?

The typical home value in Aibonito is $112,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Aibonito Municipio it is $124,100.

How much does it cost to rent in Aibonito?

Typical rent in Aibonito is $492 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Aibonito Municipio is $521.

What is the FHA loan limit in Aibonito?

Aibonito uses the FHA limit for all of Aibonito Municipio (2026): $690,000 for a one-unit home and $1,326,950 for a four-unit home.

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

We found no HUD-approved counseling agencies with an office in Aibonito 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).