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City · 12,425 residents · Dorado Municipio, Puerto Rico

Dorado , Puerto Rico

In Dorado, a typical home is worth $265,300 and typical rent is $794 a month. Compared with all of Dorado Municipio, the typical home value is 56% higher, typical household income is 28% higher, and the share of households that own their home is 7 points lower.

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  • Typical home value

    $265,300

    56% above the municipio

    102% above Puerto Rico

    • Dorado
    • Municipio
    • Puerto Rico

  • Typical rent

    $794a month

    11% above the municipio

    37% above Puerto Rico

    • Dorado
    • Municipio
    • Puerto Rico

  • Typical household income

    $46,519a year

    28% above the municipio

    77% above Puerto Rico

    • Dorado
    • Municipio
    • Puerto Rico

  • Households that own their home

    72%

    7 points below the municipio

    4 points above Puerto Rico

    • Dorado
    • Municipio
    • Puerto Rico

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

Dorado is in Dorado 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 Dorado Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Dorado apart

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

  1. Dorado has the highest typical home value of the 54 cities in Puerto Rico with more than 5,000 people: $265,300.

  2. Nearby, in Vega Alta, the typical home value is $123,900: 53% less than in Dorado ($265,300).

  3. Dorado has the 3rd highest typical household income of the 52 cities in Puerto Rico with more than 5,000 people ($46,519).

  4. Nearby, in San Antonio, the typical rent is $541: 32% less than in Dorado ($794).

  5. Dorado has the 4th highest typical rent of the 50 cities in Puerto Rico with more than 5,000 people ($794).

  6. 72% of households in Dorado own their home, against 79% in Dorado Municipio.

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

The homes here

Housing in Dorado

What homes there are in Dorado, 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

In Dorado, 6 in 10 homes are single-family detached houses; in Dorado Municipio, 7.

Year built

In Dorado, half of the homes were built before 1979; in Dorado Municipio, before 1984.

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

The FHA loan limit for Dorado Municipio is $690,000, and about 82% of owner-occupied homes in Dorado are worth less than that.

Monthly rent with utilities

With a mortgage

$1,993 a month

Dorado Municipio: $1,374 a month

Without a mortgage

$247 a month

Dorado Municipio: $203 a month

Owners with a mortgage

41%

Dorado Municipio: 42%

The typical cost for an owner with a mortgage in Dorado is $1,993 a month, more than in Dorado Municipio ($1,374); without one, $247.

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 Dorado rose 70%; in Dorado Municipio, it rose 25%.

The typical rent in Dorado rose 33% from 2015–2019 to 2020–2024.

To compare: typical income in Dorado rose 34%; the home, +70%; the rent, +33%.

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

MeasureDoradoDorado MunicipioPuerto RicoUnited States
Rental vacancy Unreliable estimate8.3%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 2.622.802.482.53
Drive alone 79%79%83%69%
Carpool Unreliable estimate6%6%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home 12%13%6%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute 30 to 39 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

Households in Dorado are smaller: 2.62 people on average; in Dorado Municipio, 2.80.

The car rules in Dorado: 79% of workers drive to work alone, and the typical trip takes 30 to 39 minutes.

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 Dorado?

A typical home costs more than the typical income allows

We start with a typical home in Dorado, worth $265,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 54% of the typical household income in Dorado, which is $46,519 a year. For that payment to be 28% of income, a household would need to earn about $90,228 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Dorado. 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 $9,286 (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

$2,105

at 7.18% · 30 years

Loan amount
$260,494
Total interest
$374,790
Paid off in
November 2056

Includes $4,480 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,085 a month

  • Tight

    $1,085 to $1,396 a month

  • Hard

    more than $1,396 a month

    Your payment · 54%

Compared with the typical household income in Dorado ($46,519 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,105
Principal & interest$1,765
Property tax$113
Home insurance$111
FHA mortgage insurance (MIP)$117

You need at least $9,286 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

Dorado and Dorado Municipio

Dorado is in Dorado 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).

Dorado's own numbers

Typical home value
$265,300
Typical monthly rent
$794
Typical yearly household income
$46,519
Households that own their home
72%
Effective property tax rate
0.51%

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

Numbers for all of Dorado Municipio

FHA limit, one-unit home
$690,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$706

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 Dorado Municipio.

Everything about Dorado Municipio

Buying

Buying a home in Dorado

A typical home in Dorado is worth $265,300: 56% above the municipio and 102% above Puerto Rico. With the typical household income in Dorado ($46,519 a year), a typical home costs 5.7 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.

  • Dorado 5.7 years
  • Municipio 4.7 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 Dorado Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

Dorado next to Dorado 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
  • Dorado $265,300
  • Municipio $169,900
  • Puerto Rico $131,500
  • United States $332,700
Typical monthly rent
  • Dorado $794
  • Municipio $715
  • Puerto Rico $578
  • United States $1,413
Typical yearly household income
  • Dorado $46,519
  • Municipio $36,391
  • Puerto Rico $26,297
  • United States $80,734
See the full table
Dorado next to Dorado Municipio and Puerto Rico
Measure Dorado Dorado Municipio Puerto Rico U.S.
Typical home value $265,300 $169,900 $131,500 $332,700
Typical monthly rent $794 $715 $578 $1,413
Typical yearly household income $46,519 $36,391 $26,297 $80,734
Households that own their home 72% 79% 68% 65%
Typical yearly property tax $1,366 $1,353 $646 $3,119
Effective property tax rate 0.51% 0.8% 0.49% 0.94%
Renters with high rent for their income 42% 40% 51% 51%

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

For a typical $265,300 home in Dorado, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Dorado's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,105a month

    Least cash to close
    Down payment
    $9,286
    Cash to close
    $17,245
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $117

  • Conventional, 5% down $2,057a month

    Down payment
    $13,265
    Cash to close
    $21,224
    Rate
    7.18%
    Mortgage insurance
    PMI · $126

  • Conventional, 20% down, no PMI $1,661a month

    Down payment
    $53,060
    Cash to close
    $61,019
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,906a month

    Down payment
    $39,795
    Cash to close
    $47,754
    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 Dorado and for Dorado Municipio.

Property tax

Effective rate in Dorado

0.51%of the home’s value each year

$1,366 a year for the typical owner in Dorado.

  • Dorado 0.51%
  • Municipio 0.8%
  • 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 Dorado Municipio

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

FEMA does not publish these numbers for Dorado Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Dorado

Typical rent in Dorado is $794 a month: 11% above the municipio. In Dorado, 42% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Dorado Municipio, by unit size. To pay the 2-bedroom one ($706 a month) without spending more than 30% of your income, you would need to earn $13.58 an hour working full time.

HUD fair market rent for all of Dorado 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 $592 $11.38 $23,680
1 bedroom $604 $11.62 $24,160
2 bedrooms $706 $13.58 $28,240
3 bedrooms $920 $17.69 $36,800
4 bedrooms $1,117 $21.48 $44,680

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 Dorado

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Dorado is in ZIP code 00646.

For 2 bedrooms it is $750: $44 more than the fair market rent for Dorado Municipio ($706).

  • 00646 $750$980

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

HUD lists 2 buildings with rents for lower incomes in Dorado. These are the largest.

  • El Dorado 360 Calle Mendez Vigo, Dorado 00646 78 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $202 a month · Average wait: 15 months (787) 759-9407
  • El Dorado Public Housing 1 360 Calle Mendez Vigo, Dorado 32 low-income homes · 2 bd: 16 · 3 bd: 16 · In service since 2009 · For families

See all 2 buildings in Dorado Municipio Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Dorado

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

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Dorado

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

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

  • Puerto Rico Neighborhood Housing Services, Corp.

    274 Calle Canals St., San Juan · 13 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (787) 721-8920

  • CCCS of Puerto Rico

    1607 Avenue Ponce de Leon, Santurce · 14 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 · 14 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 Dorado

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 Dorado

HUD lists no housing authority with an office in Dorado Municipio. One in a neighboring county or the state’s may serve the area.

All housing agencies in Puerto Rico Source: HUD

Cities

Other cities in Dorado Municipio

These cities are also in Dorado Municipio. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Dorado Municipio Housing in Puerto Rico

Nearby cities

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

Neighboring counties

If Dorado 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 Dorado.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Dorado

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

The typical home value in Dorado is $265,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Dorado Municipio it is $169,900.

How much does it cost to rent in Dorado?

Typical rent in Dorado is $794 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Dorado Municipio is $706.

What is the FHA loan limit in Dorado?

Dorado uses the FHA limit for all of Dorado 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 Dorado?

The typical homeowner in Dorado pays $1,366 a year, according to the U.S. Census Bureau. That is 0.51% of the home’s value; in Dorado Municipio, the rate is 0.8%.

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

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