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City · 5,538 residents · Salinas Municipio, Puerto Rico

Coco , Puerto Rico

In Coco, a typical home is worth $70,700 and typical rent is $486 a month. Compared with all of Salinas Municipio, the typical home value is 20% lower and typical rent is 8% lower.

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  • Typical home value

    $70,700

    20% below the municipio

    46% below Puerto Rico

    • Coco
    • Salinas
    • Puerto Rico

  • Typical rent

    $486a month

    8% below the municipio

    16% below Puerto Rico

    • Coco
    • Salinas
    • Puerto Rico

  • Households that own their home

    76%

    1 points below the municipio

    8 points above Puerto Rico

    • Coco
    • Salinas
    • Puerto Rico

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

Coco is in Salinas 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 Salinas Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Coco apart

What this place has that others do not, from public data, most unusual first.

  1. Coco has the lowest typical home value of the 54 cities in Puerto Rico with more than 5,000 people: $70,700.

  2. Nearby, in Santa Isabel, the typical rent is $327: 33% less than in Coco ($486).

  3. Coco has the 5th highest homeownership rate of the 54 cities in Puerto Rico with more than 5,000 people (76%).

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

The homes here

Housing in Coco

What homes there are in Coco, 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 houses, standing on their own, make up 95% of homes here, against 88% in Salinas Municipio.

Year built

Homes in Coco are older: the typical year built is 1978; in Salinas Municipio, 1983.

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

With a mortgage

$848 a month

Salinas Municipio: $786 a month

Without a mortgage

$177 a month

Salinas Municipio: $174 a month

Owners with a mortgage

15%

Salinas Municipio: 26%

The typical cost for an owner with a mortgage in Coco is $848 a month, more than in Salinas Municipio ($786); without one, $177.

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 Coco fell 17%; in Salinas Municipio, it rose 7%.

Much as in Salinas Municipio, the typical rent in Coco rose 25% since 2015–2019.

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

MeasureCocoSalinas MunicipioPuerto RicoUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.1%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 2.362.312.482.53
Drive alone 91%88%83%69%
Carpool Unreliable estimate3%6%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home Unreliable estimate6%6%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Salinas Municipio, a household in Coco has 2.36 people on average.

To get to work, 91% of workers in Coco drive alone; in Salinas Municipio, 88%.

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 Coco?

The Census Bureau publishes no typical home value or typical household income for Coco, so we don't measure how heavy the payment is. Enter your own numbers in the calculator. The calculator starts with the typical home value in Coco: $70,700. The rate is Freddie Mac’s weekly average (7.18%, November 5, 2026); yours may be different. The FHA and conventional loan limits are those of all of Salinas Municipio. Change the price, the down payment or the loan type and see how your payment changes.

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

Your numbers

Local data
$

Starts at the typical home value in Coco. 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 $2,475 (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

$548

at 7.18% · 30 years

Loan amount
$69,419
Total interest
$99,878
Paid off in
November 2056

Includes $1,194 FHA upfront mortgage insurance premium.

Does it fit the income?

Type your income to see which tier this payment lands in.

Show the result as
per month$548
Principal & interest$470
Property tax$17
Home insurance$30
FHA mortgage insurance (MIP)$31

You need at least $2,475 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

Coco and Salinas Municipio

Coco is in Salinas 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).

Coco's own numbers

Typical home value
$70,700
Typical monthly rent
$486
Households that own their home
76%
Effective property tax rate
0.28%

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

Numbers for all of Salinas 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 Salinas Municipio.

Everything about Salinas Municipio

Buying

Buying a home in Coco

A typical home in Coco is worth $70,700: 20% below the municipio and 46% below Puerto Rico.

How prices have changed in Puerto Rico

FHFA publishes no annual price index in Salinas Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

Coco next to Salinas 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
  • Coco $70,700
  • Salinas $88,700
  • Puerto Rico $131,500
  • United States $332,700
Typical monthly rent
  • Coco $486
  • Salinas $530
  • Puerto Rico $578
  • United States $1,413
See the full table
Coco next to Salinas Municipio and Puerto Rico
Measure Coco Salinas Municipio Puerto Rico U.S.
Typical home value $70,700 $88,700 $131,500 $332,700
Typical monthly rent $486 $530 $578 $1,413
Households that own their home 76% 77% 68% 65%
Typical yearly property tax $199 $353 $646 $3,119
Effective property tax rate 0.28% 0.4% 0.49% 0.94%
Renters with high rent for their income 50% 42% 51% 51%

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

For a typical $70,700 home in Coco, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Coco's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $547a month

    Least cash to close
    Down payment
    $2,475
    Cash to close
    $4,596
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $31

  • Conventional, 5% down $535a month

    Down payment
    $3,535
    Cash to close
    $5,656
    Rate
    7.18%
    Mortgage insurance
    PMI · $34

  • Conventional, 20% down, no PMI $429a month

    Down payment
    $14,140
    Cash to close
    $16,261
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $494a month

    Down payment
    $10,605
    Cash to close
    $12,726
    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 Coco and for Salinas Municipio.

Property tax

Effective rate in Coco

0.28%of the home’s value each year

$199 a year for the typical owner in Coco.

  • Coco 0.28%
  • Salinas 0.4%
  • 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 Salinas Municipio

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

FEMA does not publish these numbers for Salinas Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Coco

Typical rent in Coco is $486 a month: 8% below the municipio. In Coco, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Salinas 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.

HUD fair market rent for all of Salinas 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 $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 Coco

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Coco is in ZIP code 00751.

For 2 bedrooms it is $520: $3 more than the fair market rent for Salinas Municipio ($517).

  • 00751 $520$730

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

Free help

Help to buy or rent in Coco

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 Salinas Municipio. The nearest ones are below; many serve by phone or online.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Coco

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

The HUD-approved agencies closest to the center of Coco, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Ponce Neighborhood Housing Services, Inc.

    57 Calle Mendez Vigo, Ponce · 23 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (787) 841-5055

  • One Stop Career Center of Puerto Rico

    839 Calle Anasco Ste 5, San Juan · 31 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 · 33 miles away · Spanish

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

All counseling agencies in Puerto Rico

Help in Spanish near Coco

2 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 Coco

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

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

Cities

Nearby cities

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

Everything about Salinas Municipio Housing in Puerto Rico

Neighboring counties

If Salinas 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 Coco.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Coco

Short answers with the numbers for Coco and all of Salinas 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 Coco?

The typical home value in Coco is $70,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Salinas Municipio it is $88,700.

How much does it cost to rent in Coco?

Typical rent in Coco is $486 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Salinas Municipio is $517.

What is the FHA loan limit in Coco?

Coco uses the FHA limit for all of Salinas Municipio (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Coco?

The typical homeowner in Coco pays $199 a year, according to the U.S. Census Bureau. That is 0.28% of the home’s value; in Salinas Municipio, the rate is 0.4%.

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

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