City · 14,868 residents · Toa Baja Municipio, Puerto Rico
Candelaria, Puerto Rico
In Candelaria, a typical home is worth $152,500 and typical rent is $848 a month. Compared with all of Toa Baja Municipio, typical household income is 30% higher, typical rent is 19% higher, and the share of households that own their home is 6 points higher.
Candelaria is in Toa Baja 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 Toa Baja Municipio. See the county
What this place has that others do not, from public data, most unusual first.
1
Candelaria has the smallest share of rent-burdened renters of the 33 cities in Puerto Rico with more than 5,000 people: 39%.
2
Candelaria has the 2nd highest typical rent of the 50 cities in Puerto Rico with more than 5,000 people ($848).
3
Nearby, in Sabana Seca, the typical rent is $580: 32% less than in Candelaria ($848).
4
The typical household income in Candelaria is $41,734,30% more than in Toa Baja Municipio as a whole ($32,017).
5
Nearby, in Sabana Seca, the typical home value is $124,000: 19% less than in Candelaria ($152,500).
6
75% of households in Candelaria own their home, against 69% in Toa Baja Municipio.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Candelaria
What homes there are in Candelaria, 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
Candelaria
Toa Baja Municipio
Puerto Rico
United States
Kind of home: Candelaria and its comparisons
Measure
Candelaria
Toa Baja Municipio
Puerto Rico
United States
Detached house
76%
66%
68%
61%
Attached house
8%
8%
12%
6%
Building of 2 to 4
9%
20%
6%
8%
Apartments (5 or more)
Unreliable estimate
7%
14%
19%
Mobile home
Unreliable estimate
Unreliable estimate
0%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
Unreliable estimate
0%
Detached houses, standing on their own, make up 76% of homes here, against 66% in Toa Baja Municipio.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Candelaria
Toa Baja Municipio
Puerto Rico
United States
Year built: Candelaria and its comparisons
Measure
Candelaria
Toa Baja Municipio
Puerto Rico
United States
Before 1960
8%
7%
14%
26%
1960–1979
35%
51%
39%
24%
1980–1999
37%
26%
31%
25%
2000–2009
16%
12%
13%
14%
2010 or later
Unreliable estimate
3%
3%
11%
The typical home in Candelaria was built in 1983, 6 years after the typical one in Toa Baja Municipio.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K9%
$100K–$200K74%
$200K–$300K14%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Candelaria and its comparisons
Measure
Candelaria
Under $100K
9%
$100K–$200K
74%
$200K–$300K
14%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99952%
$1,000–$1,49933%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Candelaria and its comparisons
Measure
Candelaria
Under $500
Unreliable estimate
$500–$999
52%
$1,000–$1,499
33%
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,038 a month
Toa Baja Municipio: $959 a month
Without a mortgage
$236 a month
Toa Baja Municipio: $197 a month
Owners with a mortgage
51%
Toa Baja Municipio: 43%
The typical cost for an owner with a mortgage in Candelaria is $1,038 a month, more than in Toa Baja Municipio ($959); without one, $236.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Candelaria+15%
Toa Baja Municipio+22%
Puerto Rico+18%
United States+53%
Typical rent
CandelariaNo clear change
Toa Baja Municipio+23%
Puerto Rico+21%
United States+33%
Typical household income
Candelaria+45%
Toa Baja Municipio+28%
Puerto Rico+28%
United States+29%
Change since 2015–2019: Candelaria and its comparisons
Measure
Candelaria
Toa Baja Municipio
Puerto Rico
United States
Typical home value
+15%
+22%
+18%
+53%
Typical rent
No clear change
+23%
+21%
+33%
Typical household income
+45%
+28%
+28%
+29%
The typical home value in Candelaria rose 15% since 2015–2019, less than in Toa Baja Municipio (22%).
Rent in Candelaria moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Candelaria and its comparisons
Measure
Candelaria
Toa Baja Municipio
Puerto Rico
United States
Rental vacancy
Unreliable estimate
4.2%
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
2.0%
1.3%
0.9%
More than one person per room
Unreliable estimate
2.0%
2.3%
3.4%
People per household
2.62
2.42
2.48
2.53
Drive alone
71%
72%
83%
69%
Carpool
11%
10%
6%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
1%
3%
3%
Work from home
14%
9%
6%
15%
Other means
Unreliable estimate
6%
2%
2%
Typical commute
30 to 39 minutes
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 2.62 on average, against 2.42 in Toa Baja Municipio.
Working from home is more common in Candelaria: 14%, against 9% in Toa Baja Municipio.
Do the math
What would you pay each month for a home in Candelaria?
A typical home is tight for the typical income
We start with a typical home in Candelaria, worth $152,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Candelaria, which is $41,734 a year. For that payment to be 28% of income, a household would need to earn about $49,087 a year.
The calculator's FHA and conventional loan limits are those of all of Toa Baja 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 Candelaria. 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 $5,338 (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
$1,211
at 7.18% · 30 years
Loan amount
$149,737
Total interest
$215,437
Paid off in
November 2056
Includes $2,575 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $974 a month
Tight
$974 to $1,252 a month
Your payment · 35%
Hard
more than $1,252 a month
Compared with the typical household income in Candelaria ($41,734 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,014
Property tax
$66
Home insurance
$64
FHA mortgage insurance (MIP)
$67
You need at least $5,338 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 $1,211; principal and interest $1,014.
The city and its county
Candelaria and Toa Baja Municipio
Candelaria is in Toa Baja 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).
Map of Toa Baja Municipio, Puerto Rico, with Candelaria marked. Around it, the neighboring counties.
Toa Baja Municipio
Candelaria's own numbers
Typical home value
$152,500
Typical monthly rent
$848
Typical yearly household income
$41,734
Households that own their home
75%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Toa Baja 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 Toa Baja Municipio.
A typical home in Candelaria is worth $152,500: 2% above the municipio and 16% above Puerto Rico. With the typical household income in Candelaria ($41,734 a year), a typical home costs 3.7 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.
Candelaria3.7 years
Toa Baja4.7 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 Toa Baja Municipio. That usually happens when there are too few sales to measure it.
Data not available for this place
Candelaria next to Toa Baja 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
Candelaria$152,500
Toa Baja$148,900
Puerto Rico$131,500
United States$332,700
Typical monthly rent
Candelaria$848
Toa Baja$713
Puerto Rico$578
United States$1,413
Typical yearly household income
Candelaria$41,734
Toa Baja$32,017
Puerto Rico$26,297
United States$80,734
See the full table
Candelaria next to Toa Baja Municipio and Puerto Rico
Measure
Candelaria
Toa Baja Municipio
Puerto Rico
U.S.
Typical home value
$152,500 ▲2% above the municipio
$148,900
$131,500
$332,700
Typical monthly rent
$848 ▲19% above the municipio
$713
$578
$1,413
Typical yearly household income
$41,734 ▲30% above the municipio
$32,017
$26,297
$80,734
Households that own their home
75% ▲6 points above the municipio
69%
68%
65%
Renters with high rent for their income
39% ▼3 points below the municipio
41%
51%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Toa Baja 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 Candelaria
For a typical $152,500 home in Candelaria, 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 Candelaria's rate.
FHA, 3.5% down$1,145a month
Least cash to close
Down payment
$5,338
Cash to close
$9,913
Rate
7.18%
Mortgage insurance
FHA MIP · $67
Conventional, 5% down$1,117a month
Down payment
$7,625
Cash to close
$12,200
Rate
7.18%
Mortgage insurance
PMI · $72
Conventional, 20% down, no PMI$890a month
Down payment
$30,500
Cash to close
$35,075
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,031a month
Down payment
$22,875
Cash to close
$27,450
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Candelaria
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,145
$5,338
$149,738
7.18%
FHA MIP · $67
$9,913
580
Conventional, 5% down
$1,117
$7,625
$144,875
7.18%
PMI · $72
$12,200
620*
Conventional, 20% down, no PMI
$890
$30,500
$122,000
7.18%
None
$35,075
620*
ITIN, 15% down (example)
$1,031
$22,875
$129,625
8.18%
None
$27,450
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 Candelaria is $848 a month: 19% above the municipio. In Candelaria, 39% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Toa Baja 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.
HUD fair market rent for all of Toa Baja Municipio
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Toa Baja 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 Candelaria
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Candelaria is in ZIP code 00949.
For 2 bedrooms it is $740: $34 more than the fair market rent for Toa Baja Municipio ($706).
Fair market rent by ZIP code and size in Candelaria, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
00949
$620
$630
$740
$960
$1,170
ZIP code2 bd3 bd
00949 $740$960
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Candelaria 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)
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 Toa Baja 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 Candelaria or Toa Baja Municipio. The ones below are statewide in Puerto Rico: they work in Candelaria 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 Candelaria or Toa Baja 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 Candelaria and all of Toa Baja 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 Candelaria?
The typical home value in Candelaria is $152,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Toa Baja Municipio it is $148,900.
How much does it cost to rent in Candelaria?
Typical rent in Candelaria is $848 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Toa Baja Municipio is $706.
What is the FHA loan limit in Candelaria?
Candelaria uses the FHA limit for all of Toa Baja 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 Candelaria?
We found no HUD-approved counseling agencies with an office in Toa Baja Municipio; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
