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City · 72,922 residents · Caguas Municipio, Puerto Rico

Caguas , Puerto Rico

In Caguas, a typical home is worth $137,400 and typical rent is $644 a month. Compared with all of Caguas Municipio, typical household income is 14% lower, the typical home value is 9% lower, and the share of households that own their home is 8 points lower.

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  • Typical home value

    $137,400

    9% below the municipio

    4% above Puerto Rico

    • Caguas
    • Municipio
    • Puerto Rico

  • Typical rent

    $644a month

    2% below the municipio

    11% above Puerto Rico

    • Caguas
    • Municipio
    • Puerto Rico

  • Typical household income

    $27,054a year

    14% below the municipio

    3% above Puerto Rico

    • Caguas
    • Municipio
    • Puerto Rico

  • Households that own their home

    60%

    8 points below the municipio

    8 points below Puerto Rico

    • Caguas
    • Municipio
    • Puerto Rico

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

Caguas is in Caguas 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 Caguas Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Caguas apart

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

  1. Nearby, in Juncos, the typical rent is $459: 29% less than in Caguas ($644).

  2. Nearby, in Gurabo, the typical home value is $107,800: 22% less than in Caguas ($137,400).

  3. 60% of households in Caguas own their home, against 67% in Caguas Municipio.

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

The homes here

Housing in Caguas

What homes there are in Caguas, 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

The detached house is still the most common home in Caguas, but it weighs less than in Caguas Municipio: 57% against 64%.

Year built

The typical home in Caguas was built in 1975, 5 years before the typical one in Caguas Municipio.

In Caguas, 76% of homes have 3 bedrooms or more, about the same as in Caguas Municipio.

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 FHA limit for Caguas Municipio is high ($690,000): at least 98% of owner-occupied homes in Caguas are worth less than $500,000.

Monthly rent with utilities

About 47% of rented homes in Caguas cost less than HUD's 2-bedroom fair market rent for Caguas Municipio ($617); the rest cost more.

With a mortgage

$922 a month

Caguas Municipio: $1,036 a month

Without a mortgage

$203 a month

Caguas Municipio: $203 a month

Owners with a mortgage

46%

Caguas Municipio: 48%

Owning costs less in Caguas: with a mortgage, the typical cost is $922 a month; in Caguas Municipio, $1,036. Without one, $203.

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

Homes in Caguas gained value more slowly than in Caguas Municipio: 15% since 2015–2019, against 18%.

Rents in Caguas rose at about the same pace as in Caguas Municipio: 17% since 2015–2019, against 16%.

The typical household income in Caguas rose 17% over that time; home values changed +15% and rent +17%.

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

MeasureCaguasCaguas MunicipioPuerto RicoUnited States
Rental vacancy 8.5%8.0%5.1%5.5%
Homeowner vacancy 1.6%1.1%1.3%0.9%
More than one person per room 1.6%1.8%2.3%3.4%
People per household 2.312.442.482.53
Drive alone 80%79%83%69%
Carpool 8%9%6%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 3%2%3%3%
Work from home 5%7%6%15%
Other means 4%3%2%2%
Typical commute 20 to 29 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Open rentals in Caguas look like those in Caguas Municipio: the rental vacancy rate is 8.5%.

In Caguas, 1.6% of households live with more than one person per room, about the same as in Caguas Municipio.

Households in Caguas are smaller: 2.31 people on average; in Caguas Municipio, 2.44.

In Caguas, 80% of workers drive alone to work; in Caguas Municipio, 79%.

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 Caguas?

A typical home costs more than the typical income allows

We start with a typical home in Caguas, worth $137,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in Caguas, which is $27,054 a year. For that payment to be 28% of income, a household would need to earn about $46,484 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Caguas. 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 $4,809 (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

$1,085

at 7.18% · 30 years

Loan amount
$134,911
Total interest
$194,106
Paid off in
November 2056

Includes $2,320 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $631 a month

  • Tight

    $631 to $812 a month

  • Hard

    more than $812 a month

    Your payment · 48%

Compared with the typical household income in Caguas ($27,054 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,085
Principal & interest$914
Property tax$53
Home insurance$57
FHA mortgage insurance (MIP)$61

You need at least $4,809 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

Caguas and Caguas Municipio

Caguas is in Caguas 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).

Caguas's own numbers

Typical home value
$137,400
Typical monthly rent
$644
Typical yearly household income
$27,054
Households that own their home
60%
Effective property tax rate
0.46%

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

Numbers for all of Caguas Municipio

FHA limit, one-unit home
$690,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$617

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 Caguas Municipio.

Everything about Caguas Municipio

Buying

Buying a home in Caguas

A typical home in Caguas is worth $137,400: 9% below the municipio and 4% above Puerto Rico. With the typical household income in Caguas ($27,054 a year), a typical home costs 5.1 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.

  • Caguas 5.1 years
  • Municipio 4.8 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 Caguas Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

Caguas next to Caguas 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
  • Caguas $137,400
  • Municipio $151,000
  • Puerto Rico $131,500
  • United States $332,700
Typical monthly rent
  • Caguas $644
  • Municipio $659
  • Puerto Rico $578
  • United States $1,413
Typical yearly household income
  • Caguas $27,054
  • Municipio $31,379
  • Puerto Rico $26,297
  • United States $80,734
See the full table
Caguas next to Caguas Municipio and Puerto Rico
Measure Caguas Caguas Municipio Puerto Rico U.S.
Typical home value $137,400 $151,000 $131,500 $332,700
Typical monthly rent $644 $659 $578 $1,413
Typical yearly household income $27,054 $31,379 $26,297 $80,734
Households that own their home 60% 67% 68% 65%
Typical yearly property tax $633 $880 $646 $3,119
Effective property tax rate 0.46% 0.58% 0.49% 0.94%
Renters with high rent for their income 57% 55% 51% 51%

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

For a typical $137,400 home in Caguas, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Caguas's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,085a month

    Least cash to close
    Down payment
    $4,809
    Cash to close
    $8,931
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $61

  • Conventional, 5% down $1,059a month

    Down payment
    $6,870
    Cash to close
    $10,992
    Rate
    7.18%
    Mortgage insurance
    PMI · $65

  • Conventional, 20% down, no PMI $855a month

    Down payment
    $27,480
    Cash to close
    $31,602
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $982a month

    Down payment
    $20,610
    Cash to close
    $24,732
    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 Caguas and for Caguas Municipio.

Property tax

Effective rate in Caguas

0.46%of the home’s value each year

$633 a year for the typical owner in Caguas.

  • Caguas 0.46%
  • Municipio 0.58%
  • 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 Caguas Municipio

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

FEMA does not publish these numbers for Caguas Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Caguas

Typical rent in Caguas is $644 a month: 2% below the municipio. In Caguas, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Caguas Municipio, by unit size. To pay the 2-bedroom one ($617 a month) without spending more than 30% of your income, you would need to earn $11.87 an hour working full time.

HUD fair market rent for all of Caguas 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 $482 $9.27 $19,280
1 bedroom $502 $9.65 $20,080
2 bedrooms $617 $11.87 $24,680
3 bedrooms $854 $16.42 $34,160
4 bedrooms $1,031 $19.83 $41,240

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 Caguas

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Caguas has 2 ZIP codes with their own.

For 2 bedrooms it runs from $660 in 00725 to $760 in 00727.

2 of the 2 are above the fair market rent for Caguas Municipio ($617).

  • 00725 $660$910
  • 00727 $760$1,050

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Caguas 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 Caguas

HUD lists 27 buildings with rents for lower incomes in Caguas. These are the largest.

  • Jardines de Condado Moderno Apartments 18 MUNOZ MARIN and RAFAEL CORDERO Avenues, Caguas 00725 304 homes, 274 low-income · For families (787) 744-8555
  • Juan Jimenez Garcia 130 Ave Jose Villares, Caguas 00725 256 homes, 255 low-income · Run by Puerto Rico Public Housing Administration · Average payment: $128 a month · Average wait: 12 months (787) 759-9407
  • Turabo Heights 21 Res Turabo Hts, Caguas 00727 254 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $107 a month · Average wait: 5 months (787) 759-9407
  • Raul Castellon 52 Calle Troche, Caguas 00725 200 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $169 a month · Average wait: 13 months (787) 759-9407
  • Santa Juana Apts. 1 Ave Luis Munoz Marin, Caguas 00725 198 low-income homes · For families (787) 625-7572

See all 27 buildings in Caguas Municipio Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Caguas

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 Caguas 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 Caguas

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

The HUD-approved agencies closest to the center of Caguas, 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 · 12 miles away · Spanish

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

  • Greenpath Financial Wellness - San Juan Branch

    1607 Ave Ponce De Leon, San Juan · 15 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (888) 279-8273

  • CCCS of Puerto Rico

    1607 Avenue Ponce de Leon, Santurce · 15 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 Caguas

3 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 Caguas

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

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

Cities

Nearby cities

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

Everything about Caguas Municipio Housing in Puerto Rico

Neighboring counties

If Caguas 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 Caguas.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Caguas

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

The typical home value in Caguas is $137,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Caguas Municipio it is $151,000.

How much does it cost to rent in Caguas?

Typical rent in Caguas is $644 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Caguas Municipio is $617.

What is the FHA loan limit in Caguas?

Caguas uses the FHA limit for all of Caguas 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 Caguas?

The typical homeowner in Caguas pays $633 a year, according to the U.S. Census Bureau. That is 0.46% of the home’s value; in Caguas Municipio, the rate is 0.58%.

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

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