City · 7,516 residents · Arroyo Municipio, Puerto Rico
Arroyo, Puerto Rico
In Arroyo, a typical home is worth $95,700 and typical rent is $441 a month. Compared with all of Arroyo Municipio, typical household income is 7% lower, typical rent is 7% lower, and the share of households that own their home is 6 points lower.
Arroyo is in Arroyo 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 Arroyo Municipio. See the county
What this place has that others do not, from public data, most unusual first.
1
Arroyo has the 2nd smallest share of rent-burdened renters of the 33 cities in Puerto Rico with more than 5,000 people (39%).
2
Nearby, in Coco, the typical home value is $70,700: 26% less than in Arroyo ($95,700).
3
Arroyo has the 5th lowest typical home value of the 54 cities in Puerto Rico with more than 5,000 people ($95,700).
4
70% of households in Arroyo own their home, against 76% in Arroyo Municipio.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Arroyo
What homes there are in Arroyo, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Arroyo
Arroyo Municipio
Puerto Rico
United States
Kind of home: Arroyo and its comparisons
Measure
Arroyo
Arroyo Municipio
Puerto Rico
United States
Detached house
80%
86%
68%
61%
Attached house
Unreliable estimate
6%
12%
6%
Building of 2 to 4
Unreliable estimate
5%
6%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
14%
19%
Mobile home
Unreliable estimate
Unreliable estimate
0%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
Unreliable estimate
0%
In Arroyo, 8 in 10 homes are single-family detached houses; in Arroyo Municipio, 9.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Arroyo
Arroyo Municipio
Puerto Rico
United States
Year built: Arroyo and its comparisons
Measure
Arroyo
Arroyo Municipio
Puerto Rico
United States
Before 1960
10%
14%
14%
26%
1960–1979
56%
42%
39%
24%
1980–1999
17%
21%
31%
25%
2000–2009
14%
19%
13%
14%
2010 or later
Unreliable estimate
Unreliable estimate
3%
11%
In Arroyo, half of the homes were built before 1975; in Arroyo Municipio, before 1977.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K55%
$100K–$200K38%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Arroyo and its comparisons
Measure
Arroyo
Under $100K
55%
$100K–$200K
38%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50074%
$500–$99926%
HUD fair market rent, 2 bedrooms: $517
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Arroyo and its comparisons
Measure
Arroyo
Under $500
74%
$500–$999
26%
$1,000–$1,499
Unreliable
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
By rent, most homes in Arroyo cost less than HUD's 2-bedroom fair market rent ($517): about 74%.
With a mortgage
$627 a month
Arroyo Municipio: $625 a month
Without a mortgage
$209 a month
Arroyo Municipio: $193 a month
Owners with a mortgage
31%
Arroyo Municipio: 34%
In Arroyo, 31% of owners have a mortgage; their typical cost is $627 a month, about the same as in Arroyo Municipio.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
ArroyoBoundaries changed
Arroyo MunicipioNo clear change
Puerto Rico+18%
United States+53%
Typical rent
ArroyoBoundaries changed
Arroyo MunicipioNo clear change
Puerto Rico+21%
United States+33%
Typical household income
ArroyoBoundaries changed
Arroyo Municipio+21%
Puerto Rico+28%
United States+29%
Change since 2015–2019: Arroyo and its comparisons
Measure
Arroyo
Arroyo Municipio
Puerto Rico
United States
Typical home value
Boundaries changed
No clear change
+18%
+53%
Typical rent
Boundaries changed
No clear change
+21%
+33%
Typical household income
Boundaries changed
+21%
+28%
+29%
Arroyo does not have the same boundaries as in 2015–2019: that is why there is no change to compare.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Arroyo and its comparisons
Measure
Arroyo
Arroyo Municipio
Puerto Rico
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.3%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
2.3%
3.4%
People per household
2.31
2.27
2.48
2.53
Drive alone
86%
85%
83%
69%
Carpool
Unreliable estimate
7%
6%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
3%
3%
Work from home
Unreliable estimate
Unreliable estimate
6%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
By size, households in Arroyo look like those in Arroyo Municipio: 2.31 people on average.
To get to work, 86% of workers in Arroyo drive alone; in Arroyo Municipio, 85%.
Do the math
What would you pay each month for a home in Arroyo?
A typical home costs more than the typical income allows
We start with a typical home in Arroyo, worth $95,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Arroyo, which is $19,663 a year. For that payment to be 28% of income, a household would need to earn about $30,804 a year.
The calculator's FHA and conventional loan limits are those of all of Arroyo Municipio.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Arroyo. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $3,350 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$719
at 7.18% · 30 years
Loan amount
$93,966
Total interest
$135,195
Paid off in
November 2056
Includes $1,616 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $459 a month
Tight
$459 to $590 a month
Hard
more than $590 a month
Your payment · 44%
Compared with the typical household income in Arroyo ($19,663 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$637
Property tax
$0
Home insurance
$40
FHA mortgage insurance (MIP)
$42
You need at least $3,350 for the down payment, plus closing costs.
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.
Total monthly payment $719; principal and interest $637.
The city and its county
Arroyo and Arroyo Municipio
Arroyo is in Arroyo 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).
Arroyo
Map of Arroyo Municipio, Puerto Rico, with Arroyo marked. Around it, the neighboring counties.
Arroyo
Arroyo Municipio
Other cities with a page
Arroyo's own numbers
Typical home value
$95,700
Typical monthly rent
$441
Typical yearly household income
$19,663
Households that own their home
70%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Arroyo Municipio
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$517
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 Arroyo Municipio.
A typical home in Arroyo is worth $95,700: 6% above the municipio and 27% below Puerto Rico. With the typical household income in Arroyo ($19,663 a year), a typical home costs 4.9 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.
Arroyo4.9 years
Municipio4.2 years
Puerto Rico5.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Puerto Rico
FHFA publishes no annual price index in Arroyo Municipio. That usually happens when there are too few sales to measure it.
Data not available for this place
Arroyo next to Arroyo 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
Arroyo$95,700
Municipio$89,900
Puerto Rico$131,500
United States$332,700
Typical monthly rent
Arroyo$441
Municipio$472
Puerto Rico$578
United States$1,413
Typical yearly household income
Arroyo$19,663
Municipio$21,186
Puerto Rico$26,297
United States$80,734
See the full table
Arroyo next to Arroyo Municipio and Puerto Rico
Measure
Arroyo
Arroyo Municipio
Puerto Rico
U.S.
Typical home value
$95,700 ▲6% above the municipio
$89,900
$131,500
$332,700
Typical monthly rent
$441 ▼7% below the municipio
$472
$578
$1,413
Typical yearly household income
$19,663 ▼7% below the municipio
$21,186
$26,297
$80,734
Households that own their home
70% ▼6 points below the municipio
76%
68%
65%
Renters with high rent for their income
39% ▼12 points below the municipio
52%
51%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Arroyo 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 Arroyo
For a typical $95,700 home in Arroyo, 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 Arroyo's rate.
FHA, 3.5% down$719a month
Least cash to close
Down payment
$3,350
Cash to close
$6,221
Rate
7.18%
Mortgage insurance
FHA MIP · $42
Conventional, 5% down$701a month
Down payment
$4,785
Cash to close
$7,656
Rate
7.18%
Mortgage insurance
PMI · $45
Conventional, 20% down, no PMI$559a month
Down payment
$19,140
Cash to close
$22,011
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$647a month
Down payment
$14,355
Cash to close
$17,226
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Arroyo
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$719
$3,350
$93,967
7.18%
FHA MIP · $42
$6,221
580
Conventional, 5% down
$701
$4,785
$90,915
7.18%
PMI · $45
$7,656
620*
Conventional, 20% down, no PMI
$559
$19,140
$76,560
7.18%
None
$22,011
620*
ITIN, 15% down (example)
$647
$14,355
$81,345
8.18%
None
$17,226
Set by the lender
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.
Typical rent in Arroyo is $441 a month: 7% below the municipio. In Arroyo, 39% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Arroyo Municipio, by unit size. To pay the 2-bedroom one ($517 a month) without spending more than 30% of your income, you would need to earn $9.94 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Arroyo Municipio (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$456
$8.77
$18,240
1 bedroom
$475
$9.13
$19,000
2 bedrooms
$517
$9.94
$20,680
3 bedrooms
$716
$13.77
$28,640
4 bedrooms
$772
$14.85
$30,880
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 Arroyo
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Arroyo is in ZIP code 00714.
For 2 bedrooms it is $520: $3 more than the fair market rent for Arroyo Municipio ($517).
Fair market rent by ZIP code and size in Arroyo, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
00714
$460
$480
$520
$720
$780
ZIP code2 bd3 bd
00714 $520$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 Arroyo 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 3 buildings with rents for lower incomes in Arroyo. These are the largest.
Isidro Cora1 Res Isidro Cora, Arroyo 00714150 homes, 149 low-income · Run by Puerto Rico Public Housing Administration · Average payment: $126 a month · Average wait: 17 months(787) 759-9407
Sagrado CorazonLa Valentina ST, Arroyo 00714105 low-income homes · For families(787) 839-3435
Brisas de ArroyoMorse Street, Arroyo 00714104 low-income homes · For families(787) 839-2175
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 Arroyo Municipio. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Arroyo or Arroyo Municipio. The ones below are statewide in Puerto Rico: they work in Arroyo the same as in the rest of the state.
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).
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).
No legal help resource on our list is for Arroyo or Arroyo Municipio in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Arroyo and all of Arroyo 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 Arroyo?
The typical home value in Arroyo is $95,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Arroyo Municipio it is $89,900.
How much does it cost to rent in Arroyo?
Typical rent in Arroyo is $441 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Arroyo Municipio is $517.
What is the FHA loan limit in Arroyo?
Arroyo uses the FHA limit for all of Arroyo Municipio (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
Where can I find free help to buy or rent in Arroyo?
We found no HUD-approved counseling agencies with an office in Arroyo Municipio; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
