City · 5,819 residents · Cidra Municipio, Puerto Rico
Cidra, Puerto Rico
In Cidra, a typical home is worth $127,900 and typical rent is $604 a month. Compared with all of Cidra Municipio, typical household income is 19% lower, the typical home value is 17% lower, and the share of households that own their home is 20 points lower.
Cidra is in Cidra 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 Cidra Municipio. See the county
What this place has that others do not, from public data, most unusual first.
1
46% of households in Cidra own their home, against 66% in Cidra Municipio.
2
Nearby, in Cayey, the typical rent is $474: 22% less than in Cidra ($604).
3
Nearby, in Gurabo, the typical home value is $107,800: 16% less than in Cidra ($127,900).
4
The typical household income in Cidra is $23,629,19% less than in Cidra Municipio as a whole ($29,246).
5
The typical home in Cidra is worth $127,900,17% less than in Cidra Municipio as a whole ($153,900).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Cidra
What homes there are in Cidra, 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
Cidra
Cidra Municipio
Puerto Rico
United States
Kind of home: Cidra and its comparisons
Measure
Cidra
Cidra Municipio
Puerto Rico
United States
Detached house
67%
74%
68%
61%
Attached house
Unreliable estimate
2%
12%
6%
Building of 2 to 4
18%
22%
6%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
14%
19%
Mobile home
Unreliable estimate
Unreliable estimate
0%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
Unreliable estimate
0%
Detached houses are the majority in Cidra (67%), but less so than in Cidra Municipio (74%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Cidra
Cidra Municipio
Puerto Rico
United States
Year built: Cidra and its comparisons
Measure
Cidra
Cidra Municipio
Puerto Rico
United States
Before 1960
10%
4%
14%
26%
1960–1979
48%
26%
39%
24%
1980–1999
26%
44%
31%
25%
2000–2009
14%
23%
13%
14%
2010 or later
Unreliable estimate
3%
3%
11%
The typical home in Cidra was built in 1978, 13 years before the typical one in Cidra Municipio.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K32%
$100K–$200K59%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Cidra and its comparisons
Measure
Cidra
Under $100K
32%
$100K–$200K
59%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50038%
$500–$99962%
HUD fair market rent, 2 bedrooms: $617
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Cidra and its comparisons
Measure
Cidra
Under $500
38%
$500–$999
62%
$1,000–$1,499
Unreliable
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
HUD's 2-bedroom fair market rent (FMR) for Cidra Municipio is $617: about 52% of rents in Cidra are below it.
With a mortgage
$786 a month
Cidra Municipio: $933 a month
Without a mortgage
$146 a month
Cidra Municipio: $158 a month
Owners with a mortgage
34%
Cidra Municipio: 39%
In Cidra, 34% of owners have a mortgage, and their typical cost is $786 a month, against $933 in Cidra Municipio. Without one it drops to $146.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
CidraNo clear change
Cidra Municipio+31%
Puerto Rico+18%
United States+53%
Typical rent
CidraNo clear change
Cidra Municipio+13%
Puerto Rico+21%
United States+33%
Typical household income
Cidra+71%
Cidra Municipio+48%
Puerto Rico+28%
United States+29%
Change since 2015–2019: Cidra and its comparisons
Measure
Cidra
Cidra Municipio
Puerto Rico
United States
Typical home value
No clear change
+31%
+18%
+53%
Typical rent
No clear change
+13%
+21%
+33%
Typical household income
+71%
+48%
+28%
+29%
The typical home value in Cidra stayed about the same since 2015–2019: the Census sees no clear change.
Rent in Cidra 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: Cidra and its comparisons
Measure
Cidra
Cidra Municipio
Puerto Rico
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.3%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
2.3%
3.4%
People per household
2.54
2.63
2.48
2.53
Drive alone
86%
93%
83%
69%
Carpool
Unreliable estimate
4%
6%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
3%
3%
Work from home
Unreliable estimate
Unreliable estimate
6%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
A household in Cidra has 2.54 people on average, about the same as in Cidra Municipio (2.63).
To get to work, 86% of workers in Cidra drive alone; in Cidra Municipio, 93%.
Do the math
What would you pay each month for a home in Cidra?
A typical home costs more than the typical income allows
We start with a typical home in Cidra, worth $127,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Cidra, which is $23,629 a year. For that payment to be 28% of income, a household would need to earn about $41,169 a year.
The calculator's FHA and conventional loan limits are those of all of Cidra 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 Cidra. 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 $4,477 (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
$961
at 7.18% · 30 years
Loan amount
$125,583
Total interest
$180,684
Paid off in
November 2056
Includes $2,160 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $551 a month
Tight
$551 to $709 a month
Hard
more than $709 a month
Your payment · 49%
Compared with the typical household income in Cidra ($23,629 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$851
Property tax
$0
Home insurance
$53
FHA mortgage insurance (MIP)
$57
You need at least $4,477 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 $961; principal and interest $851.
The city and its county
Cidra and Cidra Municipio
Cidra is in Cidra 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).
Cidra
Map of Cidra Municipio, Puerto Rico, with Cidra marked. Around it, the neighboring counties.
Cidra
Cidra Municipio
Other cities with a page
Cidra's own numbers
Typical home value
$127,900
Typical monthly rent
$604
Typical yearly household income
$23,629
Households that own their home
46%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Cidra 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 Cidra Municipio.
A typical home in Cidra is worth $127,900: 17% below the municipio and 3% below Puerto Rico. With the typical household income in Cidra ($23,629 a year), a typical home costs 5.4 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.
Cidra5.4 years
Municipio5.3 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 Cidra Municipio. That usually happens when there are too few sales to measure it.
Data not available for this place
Cidra next to Cidra 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
Cidra$127,900
Municipio$153,900
Puerto Rico$131,500
United States$332,700
Typical monthly rent
Cidra$604
Municipio$577
Puerto Rico$578
United States$1,413
Typical yearly household income
Cidra$23,629
Municipio$29,246
Puerto Rico$26,297
United States$80,734
See the full table
Cidra next to Cidra Municipio and Puerto Rico
Measure
Cidra
Cidra Municipio
Puerto Rico
U.S.
Typical home value
$127,900 ▼17% below the municipio
$153,900
$131,500
$332,700
Typical monthly rent
$604 ▲5% above the municipio
$577
$578
$1,413
Typical yearly household income
$23,629 ▼19% below the municipio
$29,246
$26,297
$80,734
Households that own their home
46% ▼20 points below the municipio
66%
68%
65%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cidra 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 Cidra
For a typical $127,900 home in Cidra, 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 Cidra's rate.
FHA, 3.5% down$961a month
Least cash to close
Down payment
$4,477
Cash to close
$8,314
Rate
7.18%
Mortgage insurance
FHA MIP · $57
Conventional, 5% down$937a month
Down payment
$6,395
Cash to close
$10,232
Rate
7.18%
Mortgage insurance
PMI · $61
Conventional, 20% down, no PMI$746a month
Down payment
$25,580
Cash to close
$29,417
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$865a month
Down payment
$19,185
Cash to close
$23,022
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Cidra
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$961
$4,477
$125,583
7.18%
FHA MIP · $57
$8,314
580
Conventional, 5% down
$937
$6,395
$121,505
7.18%
PMI · $61
$10,232
620*
Conventional, 20% down, no PMI
$746
$25,580
$102,320
7.18%
None
$29,417
620*
ITIN, 15% down (example)
$865
$19,185
$108,715
8.18%
None
$23,022
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 Cidra is $604 a month: 5% above the municipio.
HUD publishes a fair market rent for all of Cidra 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Cidra Municipio (Fiscal year 2027)
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 Cidra
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cidra is in ZIP code 00739.
For 2 bedrooms it is $600: $17 less than the fair market rent for Cidra Municipio ($617).
Fair market rent by ZIP code and size in Cidra, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
00739
$510
$520
$600
$790
$950
ZIP code2 bd3 bd
00739 $600$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 Cidra 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 4 buildings with rents for lower incomes in Cidra. These are the largest.
Praxedes Santiago1 Res Praxedes Santiago, Cidra 00739124 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $128 a month · Average wait: 4 months(787) 759-9407
Jardines de Cidra1 Res Jard De Cidra, Cidra 0073970 homes, 69 low-income · Run by Puerto Rico Public Housing Administration · Average payment: $109 a month · Average wait: 8 months(787) 759-9407
El LagoCarr. 173 km 1.0, Cidra 0073950 low-income homes · For families(787) 739-7129
Cidra HousingJ1 Cidra Housing, Cidra 007393 low-income homes · Run by Puerto Rico Public Housing Administration(787) 759-9407
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 Cidra 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 Cidra or Cidra Municipio. The ones below are statewide in Puerto Rico: they work in Cidra 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 Cidra or Cidra 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 Cidra and all of Cidra 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 Cidra?
The typical home value in Cidra is $127,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cidra Municipio it is $153,900.
How much does it cost to rent in Cidra?
Typical rent in Cidra is $604 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cidra Municipio is $617.
What is the FHA loan limit in Cidra?
Cidra uses the FHA limit for all of Cidra 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 Cidra?
We found no HUD-approved counseling agencies with an office in Cidra Municipio; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
