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Municipio in Puerto Rico

Ceiba Municipio, Puerto Rico

Ceiba Municipio is a municipio in Puerto Rico with 10,995 residents, No. 73 of 78 by population. In Ceiba Municipio, the FHA loan limit for a one-unit home is $690,000, and a typical home is worth $113,700. To rent a 2-bedroom apartment at Fair Market Rent ($639 a month) without going over 30% of your income, you need to earn about $12.29 an hour.

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  • Typical home price

    $113,700

    −14% vs. Puerto Rico −66% vs. U.S.

    Half of owner-occupied homes are worth more and half are worth less.

    • Ceiba
    • Puerto Rico
    • United States

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

  • Fair market rent, 2 bedrooms

    $639 a month

    Same as Puerto Rico −63% vs. U.S.

    HUD's reference rent for a two-bedroom apartment, with basic utilities.

    • Ceiba
    • Puerto Rico
    • United States

    Source: HUD, Fiscal year 2027

  • FHA limit 2026, 1 unit

    $690,000

    FHA high-cost area

    The most you can borrow with an FHA loan for a one-unit home here.

    • Ceiba
    • Floor
    • Ceiling

    Source: HUD, 2026 data

  • Property tax

    0.62% of value per year

    +27% vs. Puerto Rico −34% vs. U.S.

    $709 a year for the typical owner

    • Ceiba
    • Puerto Rico
    • United States

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

Data from October 2026

In short

What is housing like in Ceiba Municipio today?

With an FHA loan and the minimum down payment, a typical home would cost about $913 a month: 43% of the typical household income here. For that payment to be 28% of income, a household would need to earn about $39,116 a year; the typical income here is $25,454. The typical home value is 14% less than in Puerto Rico overall. 76% of households own their home, more than in Puerto Rico (68%). This is a high-cost area for FHA: the limit is above the national floor.

Here 94% of people speak Spanish at home; 4 agencies nearby offer housing counseling in Spanish.

Sources: U.S. Census Bureau (Average 2020–2024); HUD (2026 data).

Only here

What sets Ceiba Municipio apart

  1. Among the neighboring municipios, Vieques Municipio has the lowest typical rent ($430), 20% below the $538 in Ceiba Municipio.

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

The homes here

Housing in Ceiba Municipio

What homes there are in Ceiba Municipio, 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 the most common home in Ceiba Municipio: 68% of homes, near the figure in Puerto Rico (68%).

Year built

Here half of the homes date from 1988 or later; in Puerto Rico, from 1979 or later.

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 this municipio is $639: about 61% of rents in Ceiba Municipio are below it.

With a mortgage

$769 a month

Puerto Rico: $946 a month

Without a mortgage

$169 a month

Puerto Rico: $180 a month

Owners with a mortgage

39%

Puerto Rico: 37%

The typical cost for an owner with a mortgage in Ceiba Municipio is $769 a month, less than in Puerto Rico ($946); without one, $169.

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

From 2015–2019 to 2020–2024, the typical home value in Ceiba Municipio rose 24%; in Puerto Rico, it rose 18%.

The typical rent in Ceiba Municipio stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureCeiba MunicipioPuerto RicoUnited States
Rental vacancy Unreliable estimate5.1%5.5%
Homeowner vacancy Unreliable estimate1.3%0.9%
More than one person per room Unreliable estimate2.3%3.4%
People per household 2.462.482.53
Drive alone 83%83%69%
Carpool Unreliable estimate6%9%
Public transit Unreliable estimate1%3%
Walk or bike Unreliable estimate3%3%
Work from home Unreliable estimate6%15%
Other means Unreliable estimate2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes

By size, households in Ceiba Municipio look like those in Puerto Rico: 2.46 people on average.

To get to work, 83% of workers in Ceiba Municipio drive alone; in Puerto Rico, 83%.

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 in Ceiba Municipio?

A typical home costs more than the typical income allows

We start with a typical home of $113,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income here, which is $25,454 a year. For that payment to be 28% of income, a household would need to earn about $39,116 a year.

Your numbers

Local data
$

Starts at the typical home value in Ceiba Municipio. 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 $3,980 (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

$913

at 7.18% · 30 years

Loan amount
$111,640
Total interest
$160,624
Paid off in
November 2056

Includes $1,920 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $594 a month

  • Tight

    $594 to $764 a month

  • Hard

    more than $764 a month

    Your payment · 43%

Compared with the typical household income in Ceiba Municipio ($25,454 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$913
Principal & interest$756
Property tax$59
Home insurance$47
FHA mortgage insurance (MIP)$50

You need at least $3,980 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.

Buying a home

Buying a home in Ceiba Municipio

Here you'll see how prices have changed, how Ceiba Municipio compares with Puerto Rico and the country, and what you'd pay each month with four kinds of loans.

How have home prices changed?

FHFA does not publish an annual price index in Ceiba Municipio. This usually happens when there are too few sales to measure.

Ceiba Municipio compared with Puerto Rico and the United States

Home value, rent and household income, side by side. "Typical" is the median: half are above it and half below.

Typical home value
  • Ceiba $113,700
  • Puerto Rico $131,500
  • United States $332,700
Typical rent a month
  • Ceiba $538
  • Puerto Rico $578
  • United States $1,413
Typical household income a year
  • Ceiba $25,454
  • Puerto Rico $26,297
  • United States $80,734
See the full table
Ceiba compared with Puerto Rico and the United States
MeasureHerePuerto RicoU.S.
Residents10,9953,234,309334,922,499
Typical home value$113,700$131,500$332,700
Typical household income$25,454$26,297$80,734
Typical rent$538$578$1,413
Fair Market Rent (2 bedrooms)$639$641$1,750
Hourly wage to rent a 2-bedroom$12.29$12.33$33.65
Typical property tax$709$646$3,119
Effective tax rate0.62%0.49%0.94%
Households that own their home76%68%65%
FHA limit (1 unit)*$690,000$690,000$541,287

FHA limit: Puerto Rico shows the median of its counties; the United States, the national floor. Download CSV

Four ways to pay for a typical home in Ceiba Municipio

For a typical $113,700 home at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, the county's property tax, an example homeowners insurance and mortgage insurance when it applies.

Loan Monthly payment Down payment Loan amount Rate Mortgage insurance Cash to close Minimum score
FHA, 3.5% down $913 $3,980 $111,641 7.18% FHA MIP · $50 $7,391 580
Conventional, 5% down $892 $5,685 $108,015 7.18% PMI · $54 $9,096 620*
Conventional, 20% down, no PMI $722 $22,740 $90,960 7.18% None $26,151 620*
ITIN, 15% down (example) $827 $17,055 $96,645 8.18% None $20,466 Set by the lender
  • 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? Closing costs

Loan limits

This is a high-cost area, so FHA limits in Ceiba Municipio are above the national floor. The limit is set for the whole metro area (San Juan-Bayamon-Caguas, PR). If the loan you need is above these amounts, it doesn't fit FHA or it becomes a "jumbo" loan.

VA loans. If you have full VA entitlement, VA doesn't cap the loan amount. If you've used part of your entitlement, the calculation uses the county limit ($832,750 for one unit). VA loan limits (va.gov)

USDA loans. They're for homes in eligible rural areas and households with incomes within USDA's limit. Check whether the address and your income qualify on the official site. USDA eligibility (usda.gov)

Home type FHA limit Conforming limit
1 unit $690,000 $832,750
2 units $883,300 $1,066,250
3 units $1,067,750 $1,288,800
4 units $1,326,950 $1,601,750

Source: HUD, 2026 data · Source: FHFA, 2026 data

Taxes and risks

Property tax and flooding in Ceiba Municipio

Two costs that change a lot from place to place and that a house payment does include: property tax and, in risk zones, flood insurance.

Property tax

In Ceiba Municipio, the typical owner pays $709 a year: about 0.62% of the home's value. That is more than the rest of Puerto Rico and less than the national average.

  • Ceiba 0.62%
  • Puerto Rico 0.49%
  • United States 0.94%

What Puerto Rico publishes Residential exemption (Puerto Rico Municipal Code (Act 107-2020), OGP Virtual Library)

Exemptions and deadlines in Puerto Rico

Is there a flood risk?

FEMA does not publish this flood insurance data in Ceiba Municipio. Check your address on FEMA’s map.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. (44 CFR 59.1)
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. (42 U.S.C. 4012a)
  • Most homeowners insurance does not cover flood damage. (FEMA, FloodSmart)
Look up your address on FEMA’s map

Owning a home here

Owning a home in Ceiba Municipio

The natural hazards FEMA measures in Ceiba Municipio, a maintenance plan for your climate and what the trades earn in your area.

Risks to your home

FEMA, National Risk Index 1.20.0 (December 2025)

In Ceiba Municipio, FEMA gives no overall risk rating (insufficient data), but it does estimate the loss it expects from each hazard.

In all, FEMA estimates natural hazards cause about $12 million in losses a year in Ceiba Municipio, across buildings, people and crops.

For homes and buildings, the costliest hazard here is hurricane, at about $7.6 million in losses a year.

Loss FEMA expects each year to homes and buildings, by hazard
  1. HurricaneInsufficient data $7.6 million a year
  2. EarthquakeInsufficient data $1.4 million a year
  3. Inland floodingInsufficient data $759,657 a year
  4. Coastal floodingInsufficient data $10,733 a year
  5. TornadoInsufficient data $2,016 a year

What it means for your home

The ratings are FEMA's own. FEMA says its data is meant for planning and does not replace a local study. Drought is not shown: FEMA counts its loss in crops only.

National Risk Index, version 1.20.0 (December 2025), retrieved November 6, 2026

FEMA notice: This product uses the Federal Emergency Management Agency's National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Climate and upkeep

Department of Energy (PNNL), 2021 IECC zones

There is no Department of Energy climate zone for Ceiba Municipio: here are the all-year tasks.

All year

  • Check the air filter every month, especially in heavy-use months. If it looks dirty, change it; change it at least every 3 months. ENERGY STAR (EPA)
  • Test the smoke alarms every month and replace their batteries at least once a year. USFA (FEMA)

What the trades charge here

BLS, wages for May 2025

TradeTypical hourly wage8 in 10 earn between
Electricians$17.05$13.84 and $28.07
Plumbers, pipefitters and steamfitters$15.53$11.80 and $23.84
Heating, air conditioning and refrigeration mechanics$15.57$11.59 and $23.02
Roofers$11.59$11.12 and $15.82
Carpenters$14.68$12.82 and $17.67
Painters, construction and maintenance$12.00$11.07 and $18.04
Maintenance and repair workers, general$11.27$10.50 and $18.28

In the San Juan-Bayamon-Caguas, PR area, half of electricians earn more than $17.05 an hour and half earn less; for a plumber, the typical figure is $15.53.

These are workers' hourly wages, not the price of a job.

Need help paying for a repair?

Renting

Renting in Ceiba Municipio

The typical rent in Ceiba Municipio is $538 a month. HUD also publishes a “fair market rent” by unit size: it's the one programs like Section 8 use.

Fair market rent by size

To pay the fair market rent without spending more than 30% of income, working full time (40 hours a week).

Size Fair rent a month Hourly wage Income needed per year
Studio $495 $9.52 $19,800
1 bedroom $498 $9.58 $19,920
2 bedrooms $639 $12.29 $25,560
3 bedrooms $782 $15.04 $31,280
4 bedrooms $843 $16.21 $33,720

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

Free help in Ceiba Municipio

Programs and counseling in Ceiba Municipio

We didn't find HUD-approved agencies with an office in this municipio. These are the 4 nearest; many serve by phone or online.

Official programs for the down payment and loans for buyers. Check which ones you might qualify for with your income and your county.

The simple kitchen of an apartment, with an electric stove, a refrigerator and wood cabinets.

HUD counseling is free or low-cost

Puerto Rico down payment programs

  1. Pronto pa' tu Casa

    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

    The source does not say whether you must be a first-time buyer. Run by Autoridad para el Financiamiento de la Vivienda de Puerto Rico (AFV).

    Type not stated Verified November 5, 2026

  2. Programa HOME: Asistencia directa al comprador

    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

    First-time buyers only. Run by Autoridad para el Financiamiento de la Vivienda de Puerto Rico (AFV).

    Type not stated Verified November 5, 2026

Which programs do I qualify for? See all Puerto Rico programs

Help in Spanish in Ceiba Municipio

4 of the 4 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.

Public housing agencies

They run public housing and Section 8 vouchers (Housing Choice Vouchers) in this municipio.

Free legal help

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.

Find legal aid (lsc.gov)

Housing counseling nearby

These are the nearest agencies, with the distance in miles. Many help by phone or online. Official HUD list. Confirm hours and fees with the agency before you go.

  • One Stop Career Center of Puerto Rico

    839 Calle Anasco Ste 5, San Juan · 30 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 · 32 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 · 32 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (787) 722-8835
See every agency in Puerto Rico

Places

Cities in Ceiba Municipio

This site has no city pages of Ceiba Municipio. The neighboring counties are below.

Nearby municipios

Each row compares its typical value, typical rent and FHA limit with Ceiba Municipio.

Read next

Guides that help here

We picked them by this county's numbers: what weighs most here is what's worth understanding first.

Frequently asked questions

What is the FHA loan limit in Ceiba Municipio in 2026?

Ceiba Municipio has an FHA limit of $690,000 for a one-unit home. For 2 units it's $883,300, for 3 it's $1,067,750 and for 4 it's $1,326,950. It's a high-cost area, so the limit is above the national floor.

What is the conforming loan limit in Ceiba Municipio?

Ceiba Municipio has a conforming limit of $832,750 for one-unit conventional loans in 2026. A bigger loan is a “jumbo” loan.

How much does a typical home cost in Ceiba Municipio?

The typical home value in Ceiba Municipio is $113,700 (Average 2020–2024, U.S. Census). Across Puerto Rico it's $131,500.

How much does it cost to rent in Ceiba Municipio?

Ceiba Municipio has a typical rent of $538 a month (Average 2020–2024, U.S. Census). HUD's fair market rent for a 2-bedroom apartment is $639 (Fiscal year 2027).

How much do you need to earn to rent a 2-bedroom apartment in Ceiba Municipio?

About $12.29 an hour working full time (2,080 hours a year), or $25,560 a year, so the fair market rent of $639 stays under 30% of income.

Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); Income Limits (Fiscal year 2026); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (As of November 5, 2026); National Risk Index (2025 data); IECC climate zones by county (2021 data); Occupational Employment and Wage Statistics (2025 data); Census Bureau cartographic boundary files (2024 data).