City · 166,923 residents · Bayamón Municipio, Puerto Rico
Bayamón, Puerto Rico
In Bayamón, a typical home is worth $149,900 and typical rent is $706 a month. Home values, rent and income are very close to those of all of Bayamón Municipio.
Bayamón is in Bayamón 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 Bayamón Municipio. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Sabana Seca, the typical rent is $580: 18% less than in Bayamón ($706).
2
Nearby, in Sabana Seca, the typical home value is $124,000: 17% less than in Bayamón ($149,900).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Bayamón
What homes there are in Bayamón, 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
Bayamón
Bayamón Municipio
Puerto Rico
United States
Kind of home: Bayamón and its comparisons
Measure
Bayamón
Bayamón Municipio
Puerto Rico
United States
Detached house
60%
62%
68%
61%
Attached house
17%
17%
12%
6%
Building of 2 to 4
6%
6%
6%
8%
Apartments (5 or more)
16%
15%
14%
19%
Mobile home
0%
0%
0%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
Unreliable estimate
0%
In Bayamón, 6 in 10 homes are single-family detached houses, about the same as in Bayamón Municipio.
Year built
Before 19601960–19791980–19992000–20092010 or later
Bayamón
Bayamón Municipio
Puerto Rico
United States
Year built: Bayamón and its comparisons
Measure
Bayamón
Bayamón Municipio
Puerto Rico
United States
Before 1960
21%
20%
14%
26%
1960–1979
48%
46%
39%
24%
1980–1999
23%
24%
31%
25%
2000–2009
7%
8%
13%
14%
2010 or later
2%
2%
3%
11%
By age, homes in Bayamón look like those in Bayamón Municipio: the typical year built is 1971.
Much as in Bayamón Municipio, 80% of homes in Bayamón have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K16%
$100K–$200K67%
$200K–$300K13%
$300K–$500K4%
$500K–$750K1%
FHA limit: $690,000
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Bayamón and its comparisons
Measure
Bayamón
Under $100K
16%
$100K–$200K
67%
$200K–$300K
13%
$300K–$500K
4%
$500K–$750K
1%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
About 100% of owner-occupied homes in Bayamón are worth less than the FHA loan limit for Bayamón Municipio ($690,000).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50027%
$500–$99951%
HUD fair market rent, 2 bedrooms: $706
$1,000–$1,49918%
$1,500–$1,9993%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Bayamón and its comparisons
Measure
Bayamón
Under $500
27%
$500–$999
51%
$1,000–$1,499
18%
$1,500–$1,999
3%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
Measured against HUD's 2-bedroom fair market rent ($706), about 48% of rented homes in Bayamón cost less.
With a mortgage
$973 a month
Bayamón Municipio: $974 a month
Without a mortgage
$216 a month
Bayamón Municipio: $210 a month
Owners with a mortgage
49%
Bayamón Municipio: 47%
Owning costs about the same in Bayamón as in Bayamón Municipio: with a mortgage, $973 a month; without one, $216.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Bayamón+12%
Bayamón Municipio+13%
Puerto Rico+18%
United States+53%
Typical rent
Bayamón+23%
Bayamón Municipio+23%
Puerto Rico+21%
United States+33%
Typical household income
Bayamón+19%
Bayamón Municipio+19%
Puerto Rico+28%
United States+29%
Change since 2015–2019: Bayamón and its comparisons
Measure
Bayamón
Bayamón Municipio
Puerto Rico
United States
Typical home value
+12%
+13%
+18%
+53%
Typical rent
+23%
+23%
+21%
+33%
Typical household income
+19%
+19%
+28%
+29%
From 2015–2019 to 2020–2024, home values in Bayamón rose at about the same pace as in Bayamón Municipio: 12% against 13%.
Much as in Bayamón Municipio, the typical rent in Bayamón rose 23% since 2015–2019.
To compare: typical income in Bayamón rose 19%; the home, +12%; the rent, +23%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Bayamón and its comparisons
Measure
Bayamón
Bayamón Municipio
Puerto Rico
United States
Rental vacancy
3.7%
3.5%
5.1%
5.5%
Homeowner vacancy
0.6%
0.6%
1.3%
0.9%
More than one person per room
1.2%
1.3%
2.3%
3.4%
People per household
2.37
2.39
2.48
2.53
Drive alone
78%
79%
83%
69%
Carpool
9%
9%
6%
9%
Public transit
2%
2%
1%
3%
Walk or bike
2%
2%
3%
3%
Work from home
7%
7%
6%
15%
Other means
2%
2%
2%
2%
Typical commute
Unreliable estimate
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
In Bayamón, the rental vacancy rate is 3.7%, about the same as in Bayamón Municipio.
In Bayamón, 1.2% of households live with more than one person per room, about the same as in Bayamón Municipio.
Much as in Bayamón Municipio, a household in Bayamón has 2.37 people on average.
In Bayamón, 78% of workers drive alone to work; in Bayamón Municipio, 79%.
Do the math
What would you pay each month for a home in Bayamón?
A typical home costs more than the typical income allows
We start with a typical home in Bayamón, worth $149,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Bayamón, which is $31,750 a year. For that payment to be 28% of income, a household would need to earn about $50,499 a year.
The calculator's FHA and conventional loan limits are those of all of Bayamón 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 Bayamón. 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 $5,247 (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
$1,178
at 7.18% · 30 years
Loan amount
$147,184
Total interest
$211,764
Paid off in
November 2056
Includes $2,531 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $741 a month
Tight
$741 to $953 a month
Hard
more than $953 a month
Your payment · 45%
Compared with the typical household income in Bayamón ($31,750 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$997
Property tax
$53
Home insurance
$63
FHA mortgage insurance (MIP)
$66
You need at least $5,247 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 $1,178; principal and interest $997.
The city and its county
Bayamón and Bayamón Municipio
Bayamón is in Bayamón 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).
Bayamón
Map of Bayamón Municipio, Puerto Rico, with Bayamón marked. Around it, the neighboring counties.
Bayamón
Bayamón Municipio
Other cities with a page
Bayamón's own numbers
Typical home value
$149,900
Typical monthly rent
$706
Typical yearly household income
$31,750
Households that own their home
69%
Effective property tax rate
0.42%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Bayamón Municipio
FHA limit, one-unit home
$690,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$706
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 Bayamón Municipio.
A typical home in Bayamón is worth $149,900: about the same as the municipio and 14% above Puerto Rico. With the typical household income in Bayamón ($31,750 a year), a typical home costs 4.7 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.
Bayamón4.7 years
Municipio4.8 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 Bayamón Municipio. That usually happens when there are too few sales to measure it.
Data not available for this place
Bayamón next to Bayamón 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
Bayamón$149,900
Municipio$149,100
Puerto Rico$131,500
United States$332,700
Typical monthly rent
Bayamón$706
Municipio$703
Puerto Rico$578
United States$1,413
Typical yearly household income
Bayamón$31,750
Municipio$31,354
Puerto Rico$26,297
United States$80,734
See the full table
Bayamón next to Bayamón Municipio and Puerto Rico
Measure
Bayamón
Bayamón Municipio
Puerto Rico
U.S.
Typical home value
$149,900
$149,100
$131,500
$332,700
Typical monthly rent
$706
$703
$578
$1,413
Typical yearly household income
$31,750
$31,354
$26,297
$80,734
Households that own their home
69% ▼1 points below the municipio
70%
68%
65%
Typical yearly property tax
$626 ▲2% above the municipio
$612
$646
$3,119
Effective property tax rate
0.42% ▲0.01 points above the municipio
0.41%
0.49%
0.94%
Renters with high rent for their income
56% ▼1 points below the municipio
56%
51%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Bayamón 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 Bayamón
For a typical $149,900 home in Bayamón, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bayamón's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,178a month
Least cash to close
Down payment
$5,247
Cash to close
$9,744
Rate
7.18%
Mortgage insurance
FHA MIP · $66
Conventional, 5% down$1,151a month
Down payment
$7,495
Cash to close
$11,992
Rate
7.18%
Mortgage insurance
PMI · $71
Conventional, 20% down, no PMI$927a month
Down payment
$29,980
Cash to close
$34,477
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,066a month
Down payment
$22,485
Cash to close
$26,982
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Bayamón
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,178
$5,247
$147,185
7.18%
FHA MIP · $66
$9,744
580
Conventional, 5% down
$1,151
$7,495
$142,405
7.18%
PMI · $71
$11,992
620*
Conventional, 20% down, no PMI
$927
$29,980
$119,920
7.18%
None
$34,477
620*
ITIN, 15% down (example)
$1,066
$22,485
$127,415
8.18%
None
$26,982
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 Bayamón is $706 a month: about the same as the municipio. In Bayamón, 56% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Bayamón Municipio, by unit size. To pay the 2-bedroom one ($706 a month) without spending more than 30% of your income, you would need to earn $13.58 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 Bayamón Municipio (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$592
$11.38
$23,680
1 bedroom
$604
$11.62
$24,160
2 bedrooms
$706
$13.58
$28,240
3 bedrooms
$920
$17.69
$36,800
4 bedrooms
$1,117
$21.48
$44,680
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 Bayamón
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bayamón has 5 ZIP codes with their own.
For 2 bedrooms it runs from $720 in 00956 to $860 in 00961.
5 of the 5 are above the fair market rent for Bayamón Municipio ($706).
2-bedroom fair market rent in each of the 5 ZIP codes of Bayamón, beside the one for Bayamón Municipio. For 2 bedrooms it runs from $720 in 00956 to $860 in 00961. 5 of the 5 are above the fair market rent for Bayamón Municipio ($706).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $706
Lowest: $720 (00956)Highest: $860 (00961)
Fair market rent by ZIP code and size in Bayamón, fiscal year 2027.
00956
$600
$620
$720
$940
$1,140
00957
$650
$660
$770
$1,000
$1,220
00959
$650
$670
$780
$1,020
$1,230
00960
$630
$650
$760
$990
$1,200
00961
$720
$740
$860
$1,120
$1,360
ZIP code2 bd3 bd
00956 $720$940
00957 $770$1,000
00959 $780$1,020
00960 $760$990
00961 $860$1,120
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bayamón 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 28 buildings with rents for lower incomes in Bayamón. These are the largest.
Virgilio Davila1550 Carr 2, Bayamon 00961480 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $125 a month · Average wait: 16 months(787) 759-9407
Valle del Sol ApartmentsHwy, Bayamon 00956312 low-income homes · For families(787) 780-8039
Brisas de Bayamon1501 Ave Comerio, Bayamon 00961300 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $147 a month · Average wait: 12 months(787) 759-9407
Bayamon Garden AptsRoad 831 Los Millones Avenue, Bayamon 00956280 low-income homes · For families(787) 409-4201
Villas de Monterrey Apartments21 Calle C, Bayamon 00959276 low-income homes · For families(787) 797-5410
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 Bayamón 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 Bayamón or Bayamón Municipio. The ones below are statewide in Puerto Rico: they work in Bayamón 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 Bayamón or Bayamón 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 Bayamón and all of Bayamón 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 Bayamón?
The typical home value in Bayamón is $149,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Bayamón Municipio it is $149,100.
How much does it cost to rent in Bayamón?
Typical rent in Bayamón is $706 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Bayamón Municipio is $706.
What is the FHA loan limit in Bayamón?
Bayamón uses the FHA limit for all of Bayamón Municipio (2026): $690,000 for a one-unit home and $1,326,950 for a four-unit home.
How much property tax do owners pay in Bayamón?
The typical homeowner in Bayamón pays $626 a year, according to the U.S. Census Bureau. That is 0.42% of the home’s value; in Bayamón Municipio, the rate is 0.41%.
Where can I find free help to buy or rent in Bayamón?
We found no HUD-approved counseling agencies with an office in Bayamón Municipio; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
