City · 5,136 residents · Guánica Municipio, Puerto Rico
Guánica, Puerto Rico
In Guánica, a typical home is worth $82,200 and typical rent is $298 a month. Compared with all of Guánica Municipio, typical rent is 15% lower, typical household income is 14% lower, and the share of households that own their home is 5 points lower.
Guánica is in Guánica 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 Guánica Municipio. See the county
What this place has that others do not, from public data, most unusual first.
1
Guánica has the lowest typical rent of the 50 cities in Puerto Rico with more than 5,000 people: $298.
2
Guánica has the 2nd lowest typical home value of the 54 cities in Puerto Rico with more than 5,000 people ($82,200).
3
Guánica has the 2nd lowest typical household income of the 52 cities in Puerto Rico with more than 5,000 people ($15,244).
4
63% of households in Guánica own their home, against 69% in Guánica Municipio.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Guánica
What homes there are in Guánica, 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
Guánica
Guánica Municipio
Puerto Rico
United States
Kind of home: Guánica and its comparisons
Measure
Guánica
Guánica Municipio
Puerto Rico
United States
Detached house
80%
83%
68%
61%
Attached house
8%
10%
12%
6%
Building of 2 to 4
Unreliable estimate
Unreliable estimate
6%
8%
Apartments (5 or more)
11%
Unreliable estimate
14%
19%
Mobile home
Unreliable estimate
Unreliable estimate
0%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
Unreliable estimate
0%
The detached house is the most common home in Guánica: 80% of homes, near the figure in Guánica Municipio (83%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Guánica
Guánica Municipio
Puerto Rico
United States
Year built: Guánica and its comparisons
Measure
Guánica
Guánica Municipio
Puerto Rico
United States
Before 1960
12%
7%
14%
26%
1960–1979
55%
41%
39%
24%
1980–1999
24%
38%
31%
25%
2000–2009
6%
9%
13%
14%
2010 or later
Unreliable estimate
4%
3%
11%
In Guánica, half of the homes were built before 1974; in Guánica Municipio, before 1981.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K76%
$100K–$200K19%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Guánica and its comparisons
Measure
Guánica
Under $100K
76%
$100K–$200K
19%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50076%
$500–$999Unreliable
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: Guánica and its comparisons
Measure
Guánica
Under $500
76%
$500–$999
Unreliable estimate
$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
With a HUD fair market rent of $517 for 2 bedrooms, at least 76% of rented homes in Guánica sit below it.
With a mortgage
$639 a month
Guánica Municipio: $671 a month
Without a mortgage
$162 a month
Guánica Municipio: $141 a month
Owners with a mortgage
9%
Guánica Municipio: 14%
The typical cost for an owner with a mortgage in Guánica is $639 a month, near the figure in Guánica Municipio ($671).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
GuánicaNo clear change
Guánica MunicipioNo clear change
Puerto Rico+18%
United States+53%
Typical household income
GuánicaNo clear change
Guánica Municipio+36%
Puerto Rico+28%
United States+29%
Change since 2015–2019: Guánica and its comparisons
Measure
Guánica
Guánica Municipio
Puerto Rico
United States
Typical home value
No clear change
No clear change
+18%
+53%
Typical rent
No data
No clear change
+21%
+33%
Typical household income
No clear change
+36%
+28%
+29%
Since 2015–2019, home values in Guánica moved so little that the Census cannot say whether they rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Guánica and its comparisons
Measure
Guánica
Guánica 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
2.14
2.21
2.48
2.53
Drive alone
90%
88%
83%
69%
Carpool
Unreliable estimate
Unreliable estimate
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
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Guánica Municipio, a household in Guánica has 2.14 people on average.
To get to work, 90% of workers in Guánica drive alone; in Guánica Municipio, 88%.
Do the math
What would you pay each month for a home in Guánica?
A typical home costs more than the typical income allows
We start with a typical home in Guánica, worth $82,200, 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 Guánica, which is $15,244 a year. For that payment to be 28% of income, a household would need to earn about $26,459 a year.
The calculator's FHA and conventional loan limits are those of all of Guánica 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 Guánica. 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 $2,877 (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
$617
at 7.18% · 30 years
Loan amount
$80,711
Total interest
$116,124
Paid off in
November 2056
Includes $1,388 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $356 a month
Tight
$356 to $457 a month
Hard
more than $457 a month
Your payment · 49%
Compared with the typical household income in Guánica ($15,244 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$547
Property tax
$0
Home insurance
$34
FHA mortgage insurance (MIP)
$36
You need at least $2,877 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 $617; principal and interest $547.
The city and its county
Guánica and Guánica Municipio
Guánica is in Guánica 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).
Guánica
Map of Guánica Municipio, Puerto Rico, with Guánica marked. Around it, the neighboring counties.
Guánica
Guánica Municipio
Guánica's own numbers
Typical home value
$82,200
Typical monthly rent
$298
Typical yearly household income
$15,244
Households that own their home
63%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Guánica 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 Guánica Municipio.
A typical home in Guánica is worth $82,200: 6% below the municipio and 37% below Puerto Rico. With the typical household income in Guánica ($15,244 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.
Guánica5.4 years
Municipio4.9 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 Guánica Municipio. That usually happens when there are too few sales to measure it.
Data not available for this place
Guánica next to Guánica 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
Guánica$82,200
Municipio$87,200
Puerto Rico$131,500
United States$332,700
Typical monthly rent
Guánica$298
Municipio$349
Puerto Rico$578
United States$1,413
Typical yearly household income
Guánica$15,244
Municipio$17,633
Puerto Rico$26,297
United States$80,734
See the full table
Guánica next to Guánica Municipio and Puerto Rico
Measure
Guánica
Guánica Municipio
Puerto Rico
U.S.
Typical home value
$82,200 ▼6% below the municipio
$87,200
$131,500
$332,700
Typical monthly rent
$298 ▼15% below the municipio
$349
$578
$1,413
Typical yearly household income
$15,244 ▼14% below the municipio
$17,633
$26,297
$80,734
Households that own their home
63% ▼5 points below the municipio
69%
68%
65%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Guánica 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 Guánica
For a typical $82,200 home in Guánica, 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 Guánica's rate.
FHA, 3.5% down$617a month
Least cash to close
Down payment
$2,877
Cash to close
$5,343
Rate
7.18%
Mortgage insurance
FHA MIP · $36
Conventional, 5% down$602a month
Down payment
$4,110
Cash to close
$6,576
Rate
7.18%
Mortgage insurance
PMI · $39
Conventional, 20% down, no PMI$480a month
Down payment
$16,440
Cash to close
$18,906
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$556a month
Down payment
$12,330
Cash to close
$14,796
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Guánica
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$617
$2,877
$80,711
7.18%
FHA MIP · $36
$5,343
580
Conventional, 5% down
$602
$4,110
$78,090
7.18%
PMI · $39
$6,576
620*
Conventional, 20% down, no PMI
$480
$16,440
$65,760
7.18%
None
$18,906
620*
ITIN, 15% down (example)
$556
$12,330
$69,870
8.18%
None
$14,796
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 Guánica is $298 a month: 15% below the municipio.
HUD publishes a fair market rent for all of Guánica 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 Guánica 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 Guánica
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Guánica has 2 ZIP codes with their own.
For 2 bedrooms it runs from $580 in 00653 to $620 in 00647.
2 of the 2 are above the fair market rent for Guánica Municipio ($517).
Fair market rent by ZIP code and size in Guánica, fiscal year 2027.
00647
$550
$570
$620
$840
$890
00653
$510
$530
$580
$780
$830
ZIP code2 bd3 bd
00647 $620$840
00653 $580$780
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Guánica 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 2 buildings with rents for lower incomes in Guánica. These are the largest.
Luis Munoz Rivera1 Res Luis Munoz Rivera, Guanica 00653200 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $79 a month · Average wait: 4 months(787) 759-9407
Jardines de Guanica1 Res Jard De Guanica, Guanica 0065370 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $160 a month(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 Guánica 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 Guánica or Guánica Municipio. The ones below are statewide in Puerto Rico: they work in Guánica 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 Guánica or Guánica 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 Guánica and all of Guánica 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 Guánica?
The typical home value in Guánica is $82,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Guánica Municipio it is $87,200.
How much does it cost to rent in Guánica?
Typical rent in Guánica is $298 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Guánica Municipio is $517.
What is the FHA loan limit in Guánica?
Guánica uses the FHA limit for all of Guánica 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 Guánica?
We found no HUD-approved counseling agencies with an office in Guánica Municipio; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
