City · 9,689 residents · Coamo Municipio, Puerto Rico
Coamo, Puerto Rico
In Coamo, a typical home is worth $90,800 and typical rent is $436 a month. Compared with all of Coamo Municipio, typical household income is 22% lower, typical rent is 16% lower, and the share of households that own their home is 16 points lower.
Coamo is in Coamo Municipio. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Coamo Municipio. See the county
What this place has that others do not, from public data, most unusual first.
1
Coamo has the 3rd lowest typical home value of the 54 cities in Puerto Rico with more than 5,000 people ($90,800).
2
60% of households in Coamo own their home, against 76% in Coamo Municipio.
3
Nearby, in Santa Isabel, the typical rent is $327: 25% less than in Coamo ($436).
4
Nearby, in Coco, the typical home value is $70,700: 22% less than in Coamo ($90,800).
5
The typical household income in Coamo is $17,295,22% less than in Coamo Municipio as a whole ($22,045).
6
The typical rent in Coamo is $436 a month, 16% less than in Coamo Municipio as a whole ($521).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Coamo
What homes there are in Coamo, 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
Coamo
Coamo Municipio
Puerto Rico
United States
Kind of home: Coamo and its comparisons
Measure
Coamo
Coamo Municipio
Puerto Rico
United States
Detached house
69%
79%
68%
61%
Attached house
16%
14%
12%
6%
Building of 2 to 4
Unreliable estimate
1%
6%
8%
Apartments (5 or more)
Unreliable estimate
6%
14%
19%
Mobile home
Unreliable estimate
Unreliable estimate
0%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
Unreliable estimate
0%
In Coamo, 7 in 10 homes are single-family detached houses; in Coamo Municipio, 8.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Coamo
Coamo Municipio
Puerto Rico
United States
Year built: Coamo and its comparisons
Measure
Coamo
Coamo Municipio
Puerto Rico
United States
Before 1960
23%
13%
14%
26%
1960–1979
37%
28%
39%
24%
1980–1999
29%
37%
31%
25%
2000–2009
9%
20%
13%
14%
2010 or later
Unreliable estimate
3%
3%
11%
The typical home in Coamo was built in 1976, 9 years before the typical one in Coamo Municipio.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K62%
$100K–$200K35%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Coamo and its comparisons
Measure
Coamo
Under $100K
62%
$100K–$200K
35%
$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 $50060%
$500–$99937%
HUD fair market rent, 2 bedrooms: $517
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Coamo and its comparisons
Measure
Coamo
Under $500
60%
$500–$999
37%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
HUD's 2-bedroom fair market rent (FMR) for Coamo Municipio is $517: about 61% of rents in Coamo are below it.
With a mortgage
$728 a month
Coamo Municipio: $836 a month
Without a mortgage
$138 a month
Coamo Municipio: $149 a month
Owners with a mortgage
26%
Coamo Municipio: 31%
The typical cost for an owner with a mortgage in Coamo is $728 a month, less than in Coamo Municipio ($836); without one, $138.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
CoamoNo clear change
Coamo Municipio+10%
Puerto Rico+18%
United States+53%
Typical rent
CoamoNo clear change
Coamo MunicipioNo clear change
Puerto Rico+21%
United States+33%
Typical household income
CoamoNo clear change
Coamo MunicipioNo clear change
Puerto Rico+28%
United States+29%
Change since 2015–2019: Coamo and its comparisons
Measure
Coamo
Coamo Municipio
Puerto Rico
United States
Typical home value
No clear change
+10%
+18%
+53%
Typical rent
No clear change
No clear change
+21%
+33%
Typical household income
No clear change
No clear change
+28%
+29%
The typical home value in Coamo stayed about the same since 2015–2019: the Census sees no clear change.
The typical rent in Coamo stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Coamo and its comparisons
Measure
Coamo
Coamo 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
2.4%
2.3%
3.4%
People per household
2.26
2.45
2.48
2.53
Drive alone
83%
90%
83%
69%
Carpool
Unreliable estimate
3%
6%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
8%
3%
3%
3%
Work from home
Unreliable estimate
4%
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
On average, a household in Coamo has 2.26 people, fewer than in Coamo Municipio (2.45).
Many here get to work on foot or by bike: 8%, more than in Coamo Municipio (3%).
Do the math
What would you pay each month for a home in Coamo?
A typical home costs more than the typical income allows
We start with a typical home in Coamo, worth $90,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 47% of the typical household income in Coamo, which is $17,295 a year. For that payment to be 28% of income, a household would need to earn about $29,227 a year.
The calculator's FHA and conventional loan limits are those of all of Coamo 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 Coamo. 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 $3,178 (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
$682
at 7.18% · 30 years
Loan amount
$89,155
Total interest
$128,274
Paid off in
November 2056
Includes $1,533 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $404 a month
Tight
$404 to $519 a month
Hard
more than $519 a month
Your payment · 47%
Compared with the typical household income in Coamo ($17,295 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$604
Property tax
$0
Home insurance
$38
FHA mortgage insurance (MIP)
$40
You need at least $3,178 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 $682; principal and interest $604.
The city and its county
Coamo and Coamo Municipio
Coamo is in Coamo 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).
Coamo
Map of Coamo Municipio, Puerto Rico, with Coamo marked. Around it, the neighboring counties.
Coamo
Coamo Municipio
Other cities with a page
Coamo's own numbers
Typical home value
$90,800
Typical monthly rent
$436
Typical yearly household income
$17,295
Households that own their home
60%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Coamo Municipio
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$517
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 Coamo Municipio.
A typical home in Coamo is worth $90,800: 9% below the municipio and 31% below Puerto Rico. With the typical household income in Coamo ($17,295 a year), a typical home costs 5.3 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.
Coamo5.3 years
Municipio4.5 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 Coamo Municipio. That usually happens when there are too few sales to measure it.
Data not available for this place
Coamo next to Coamo 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
Coamo$90,800
Municipio$99,900
Puerto Rico$131,500
United States$332,700
Typical monthly rent
Coamo$436
Municipio$521
Puerto Rico$578
United States$1,413
Typical yearly household income
Coamo$17,295
Municipio$22,045
Puerto Rico$26,297
United States$80,734
See the full table
Coamo next to Coamo Municipio and Puerto Rico
Measure
Coamo
Coamo Municipio
Puerto Rico
U.S.
Typical home value
$90,800 ▼9% below the municipio
$99,900
$131,500
$332,700
Typical monthly rent
$436 ▼16% below the municipio
$521
$578
$1,413
Typical yearly household income
$17,295 ▼22% below the municipio
$22,045
$26,297
$80,734
Households that own their home
60% ▼16 points below the municipio
76%
68%
65%
Renters with high rent for their income
57% ▲5 points above the municipio
53%
51%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Coamo 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 Coamo
For a typical $90,800 home in Coamo, 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 Coamo's rate.
FHA, 3.5% down$682a month
Least cash to close
Down payment
$3,178
Cash to close
$5,902
Rate
7.18%
Mortgage insurance
FHA MIP · $40
Conventional, 5% down$665a month
Down payment
$4,540
Cash to close
$7,264
Rate
7.18%
Mortgage insurance
PMI · $43
Conventional, 20% down, no PMI$530a month
Down payment
$18,160
Cash to close
$20,884
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$614a month
Down payment
$13,620
Cash to close
$16,344
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Coamo
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$682
$3,178
$89,155
7.18%
FHA MIP · $40
$5,902
580
Conventional, 5% down
$665
$4,540
$86,260
7.18%
PMI · $43
$7,264
620*
Conventional, 20% down, no PMI
$530
$18,160
$72,640
7.18%
None
$20,884
620*
ITIN, 15% down (example)
$614
$13,620
$77,180
8.18%
None
$16,344
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 Coamo is $436 a month: 16% below the municipio. In Coamo, 57% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Coamo Municipio, by unit size. To pay the 2-bedroom one ($517 a month) without spending more than 30% of your income, you would need to earn $9.94 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 Coamo Municipio (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$456
$8.77
$18,240
1 bedroom
$475
$9.13
$19,000
2 bedrooms
$517
$9.94
$20,680
3 bedrooms
$697
$13.40
$27,880
4 bedrooms
$743
$14.29
$29,720
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 Coamo
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Coamo is in ZIP code 00769.
For 2 bedrooms it is $530: $13 more than the fair market rent for Coamo Municipio ($517).
Fair market rent by ZIP code and size in Coamo, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
00769
$470
$490
$530
$710
$760
ZIP code2 bd3 bd
00769 $530$710
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Coamo 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 6 buildings with rents for lower incomes in Coamo. These are the largest.
Jardines del Eden1 Res El Eden, Coamo 00769150 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $105 a month · Average wait: 23 months(787) 759-9407
Las Palmas1 Res Las Palmas, Coamo 00769120 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $115 a month · Average wait: 6 months(787) 759-9407
San Idelfonso AptsRD 150 State Road, Coamo 00769100 low-income homes · For families(787) 825-5199
Coamo Apartments1 Cond Coamo Housing, Coamo 0076988 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $102 a month · Average wait: 16 months(787) 759-9407
Plaza Apartments19 Calle Jose I Quinton, Coamo 0076960 low-income homes · 1 bd: 60 · In service since 2015 · For older adults
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 Coamo 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 Coamo or Coamo Municipio. The ones below are statewide in Puerto Rico: they work in Coamo 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 Coamo or Coamo 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 Coamo and all of Coamo 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 Coamo?
The typical home value in Coamo is $90,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Coamo Municipio it is $99,900.
How much does it cost to rent in Coamo?
Typical rent in Coamo is $436 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Coamo Municipio is $517.
What is the FHA loan limit in Coamo?
Coamo uses the FHA limit for all of Coamo Municipio (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
Where can I find free help to buy or rent in Coamo?
We found no HUD-approved counseling agencies with an office in Coamo Municipio; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
