Español

Este sitio también está en español. Leer en español

City · 14,655 residents · Cayey Municipio, Puerto Rico

Cayey , Puerto Rico

In Cayey, a typical home is worth $135,800 and typical rent is $474 a month. Compared with all of Cayey Municipio, typical household income is 27% lower, typical rent is 12% lower, and the share of households that own their home is 15 points lower.

WhatsApp

  • Typical home value

    $135,800

    8% below the municipio

    3% above Puerto Rico

    • Cayey
    • Municipio
    • Puerto Rico

  • Typical rent

    $474a month

    12% below the municipio

    18% below Puerto Rico

    • Cayey
    • Municipio
    • Puerto Rico

  • Typical household income

    $21,897a year

    27% below the municipio

    17% below Puerto Rico

    • Cayey
    • Municipio
    • Puerto Rico

  • Households that own their home

    48%

    15 points below the municipio

    20 points below Puerto Rico

    • Cayey
    • Municipio
    • Puerto Rico

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

Cayey is in Cayey 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 Cayey Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Cayey 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: 48% less than in Cayey ($135,800).

  2. 48% of households in Cayey own their home, against 63% in Cayey Municipio.

  3. The typical household income in Cayey is $21,897, 27% less than in Cayey Municipio as a whole ($30,129).

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

The homes here

Housing in Cayey

What homes there are in Cayey, 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 Cayey, but it weighs less than in Cayey Municipio: 54% against 69%.

Year built

Homes in Cayey are older: the typical year built is 1972; in Cayey Municipio, 1981.

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 Cayey Municipio is $617: about 64% of rents in Cayey are below it.

With a mortgage

$818 a month

Cayey Municipio: $932 a month

Without a mortgage

$144 a month

Cayey Municipio: $155 a month

Owners with a mortgage

40%

Cayey Municipio: 44%

Owning costs less in Cayey: with a mortgage, the typical cost is $818 a month; in Cayey Municipio, $932. Without one, $144.

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

The typical home value in Cayey rose 27% since 2015–2019, about the same as in Cayey Municipio (27%).

Rent in Cayey moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureCayeyCayey MunicipioPuerto RicoUnited States
Rental vacancy Unreliable estimate2.7%5.1%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 2.272.402.482.53
Drive alone 91%93%83%69%
Carpool 5%2%6%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home Unreliable estimateUnreliable estimate6%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Cayey are smaller: 2.27 people on average; in Cayey Municipio, 2.40.

In Cayey, 91% of workers drive alone to work; in Cayey Municipio, 93%.

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 Cayey?

A typical home costs more than the typical income allows

We start with a typical home in Cayey, worth $135,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 58% of the typical household income in Cayey, which is $21,897 a year. For that payment to be 28% of income, a household would need to earn about $45,603 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Cayey. 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 $4,753 (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

$1,064

at 7.18% · 30 years

Loan amount
$133,340
Total interest
$191,845
Paid off in
November 2056

Includes $2,293 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $511 a month

  • Tight

    $511 to $657 a month

  • Hard

    more than $657 a month

    Your payment · 58%

Compared with the typical household income in Cayey ($21,897 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,064
Principal & interest$903
Property tax$44
Home insurance$57
FHA mortgage insurance (MIP)$60

You need at least $4,753 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

Cayey and Cayey Municipio

Cayey is in Cayey 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).

Cayey's own numbers

Typical home value
$135,800
Typical monthly rent
$474
Typical yearly household income
$21,897
Households that own their home
48%
Effective property tax rate
0.39%

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

Numbers for all of Cayey 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 Cayey Municipio.

Everything about Cayey Municipio

Buying

Buying a home in Cayey

A typical home in Cayey is worth $135,800: 8% below the municipio and 3% above Puerto Rico. With the typical household income in Cayey ($21,897 a year), a typical home costs 6.2 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.

  • Cayey 6.2 years
  • Municipio 4.9 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 Cayey Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

Cayey next to Cayey 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
  • Cayey $135,800
  • Municipio $148,300
  • Puerto Rico $131,500
  • United States $332,700
Typical monthly rent
  • Cayey $474
  • Municipio $540
  • Puerto Rico $578
  • United States $1,413
Typical yearly household income
  • Cayey $21,897
  • Municipio $30,129
  • Puerto Rico $26,297
  • United States $80,734
See the full table
Cayey next to Cayey Municipio and Puerto Rico
Measure Cayey Cayey Municipio Puerto Rico U.S.
Typical home value $135,800 $148,300 $131,500 $332,700
Typical monthly rent $474 $540 $578 $1,413
Typical yearly household income $21,897 $30,129 $26,297 $80,734
Households that own their home 48% 63% 68% 65%
Typical yearly property tax $531 $614 $646 $3,119
Effective property tax rate 0.39% 0.41% 0.49% 0.94%
Renters with high rent for their income 45% 41% 51% 51%

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

For a typical $135,800 home in Cayey, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cayey's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,064a month

    Least cash to close
    Down payment
    $4,753
    Cash to close
    $8,827
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $60

  • Conventional, 5% down $1,039a month

    Down payment
    $6,790
    Cash to close
    $10,864
    Rate
    7.18%
    Mortgage insurance
    PMI · $65

  • Conventional, 20% down, no PMI $837a month

    Down payment
    $27,160
    Cash to close
    $31,234
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $962a month

    Down payment
    $20,370
    Cash to close
    $24,444
    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 Cayey and for Cayey Municipio.

Property tax

Effective rate in Cayey

0.39%of the home’s value each year

$531 a year for the typical owner in Cayey.

  • Cayey 0.39%
  • Municipio 0.41%
  • 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 Cayey Municipio

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

FEMA does not publish these numbers for Cayey Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cayey

Typical rent in Cayey is $474 a month: 12% below the municipio. In Cayey, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Cayey 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 Cayey 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 Cayey

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cayey is in ZIP code 00736.

For 2 bedrooms it is $570: $47 less than the fair market rent for Cayey Municipio ($617).

  • 00736 $570$790

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

HUD lists 7 buildings with rents for lower incomes in Cayey. These are the largest.

  • Luis Munoz Morales 105 Ave F Garcia, Cayey 00736 280 homes, 278 low-income · Run by Puerto Rico Public Housing Administration · Average payment: $137 a month · Average wait: 7 months (787) 759-9407
  • Jardines de Montellano 3001 Ave A R Barcelo, Cayey 00736 250 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $148 a month · Average wait: 26 months (787) 759-9407
  • Brisas de Cayey 430 Ave De Diego W, Cayey 00736 210 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $140 a month · Average wait: 8 months (787) 759-9407
  • Villas de Johnny Toledo Cayey 00736 54 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $473 a month · Homes at several sites (787) 759-9407
  • Casa Matilde Nielson State RD, Cayey 00736 50 low-income homes · For older adults (787) 738-5515

See all 7 buildings in Cayey Municipio Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cayey

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 Cayey 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 Cayey

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

The HUD-approved agencies closest to the center of Cayey, 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 · 21 miles away · Spanish

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

  • CCCS of Puerto Rico

    1607 Avenue Ponce de Leon, Santurce · 24 miles away · Spanish

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

  • Greenpath Financial Wellness - San Juan Branch

    1607 Ave Ponce De Leon, San Juan · 24 miles away · Spanish

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

All counseling agencies in Puerto Rico

Help in Spanish near Cayey

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 Cayey

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

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

Cities

Nearby cities

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

Everything about Cayey Municipio Housing in Puerto Rico

Neighboring counties

If Cayey 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 Cayey.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Cayey

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

The typical home value in Cayey is $135,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cayey Municipio it is $148,300.

How much does it cost to rent in Cayey?

Typical rent in Cayey is $474 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cayey Municipio is $617.

What is the FHA loan limit in Cayey?

Cayey uses the FHA limit for all of Cayey 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 Cayey?

The typical homeowner in Cayey pays $531 a year, according to the U.S. Census Bureau. That is 0.39% of the home’s value; in Cayey Municipio, the rate is 0.41%.

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

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