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City · 18,216 residents · Guayama Municipio, Puerto Rico

Guayama , Puerto Rico

In Guayama, a typical home is worth $112,200 and typical rent is $412 a month. Compared with all of Guayama Municipio, typical rent is 6% lower and the share of households that own their home is 11 points lower.

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  • Typical home value

    $112,200

    4% above the municipio

    15% below Puerto Rico

    • Guayama
    • Municipio
    • Puerto Rico

  • Typical rent

    $412a month

    6% below the municipio

    29% below Puerto Rico

    • Guayama
    • Municipio
    • Puerto Rico

  • Typical household income

    $20,955a year

    3% above the municipio

    20% below Puerto Rico

    • Guayama
    • Municipio
    • Puerto Rico

  • Households that own their home

    58%

    11 points below the municipio

    10 points below Puerto Rico

    • Guayama
    • Municipio
    • Puerto Rico

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

Guayama is in Guayama 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 Guayama Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Guayama apart

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

  1. Nearby, in Coco, the typical home value is $70,700: 37% less than in Guayama ($112,200).

  2. 58% of households in Guayama own their home, against 68% in Guayama Municipio.

  3. Guayama has the 5th lowest typical rent of the 50 cities in Puerto Rico with more than 5,000 people ($412).

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

The homes here

Housing in Guayama

What homes there are in Guayama, 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 Guayama, 8 in 10 homes are single-family detached houses; in Guayama Municipio, 8.

Year built

By age, homes in Guayama look like those in Guayama Municipio: the typical year built is 1975.

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

HUD's 2-bedroom fair market rent (FMR) for Guayama Municipio is $517: about 63% of rents in Guayama are below it.

With a mortgage

$730 a month

Guayama Municipio: $744 a month

Without a mortgage

$185 a month

Guayama Municipio: $178 a month

Owners with a mortgage

39%

Guayama Municipio: 34%

The typical cost for an owner with a mortgage in Guayama is $730 a month, near the figure in Guayama Municipio ($744).

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

Much as in Guayama Municipio, the typical home value in Guayama rose 27% since 2015–2019.

Since 2015–2019, the typical rent in Guayama did not change clearly, according to the Census.

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

MeasureGuayamaGuayama 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 2.062.122.482.53
Drive alone 82%85%83%69%
Carpool 10%10%6%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home Unreliable estimate5%6%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

A household in Guayama has 2.06 people on average, about the same as in Guayama Municipio (2.12).

To get to work, 82% of workers in Guayama drive alone; in Guayama Municipio, 85%.

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 Guayama?

A typical home costs more than the typical income allows

We start with a typical home in Guayama, worth $112,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in Guayama, which is $20,955 a year. For that payment to be 28% of income, a household would need to earn about $36,115 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Guayama. 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 $3,927 (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

$914

at 7.18% · 30 years

Loan amount
$110,168
Total interest
$158,506
Paid off in
November 2056

Includes $1,895 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $489 a month

  • Tight

    $489 to $629 a month

  • Hard

    more than $629 a month

    Your payment · 52%

Compared with the typical household income in Guayama ($20,955 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$914
Principal & interest$746
Property tax$71
Home insurance$47
FHA mortgage insurance (MIP)$50

You need at least $3,927 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

Guayama and Guayama Municipio

Guayama is in Guayama 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).

Guayama's own numbers

Typical home value
$112,200
Typical monthly rent
$412
Typical yearly household income
$20,955
Households that own their home
58%

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

Numbers for all of Guayama 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 Guayama Municipio.

Everything about Guayama Municipio

Buying

Buying a home in Guayama

A typical home in Guayama is worth $112,200: 4% above the municipio and 15% below Puerto Rico. With the typical household income in Guayama ($20,955 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.

  • Guayama 5.4 years
  • Municipio 5.3 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 Guayama Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

Guayama next to Guayama 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
  • Guayama $112,200
  • Municipio $108,200
  • Puerto Rico $131,500
  • United States $332,700
Typical monthly rent
  • Guayama $412
  • Municipio $436
  • Puerto Rico $578
  • United States $1,413
Typical yearly household income
  • Guayama $20,955
  • Municipio $20,402
  • Puerto Rico $26,297
  • United States $80,734
See the full table
Guayama next to Guayama Municipio and Puerto Rico
Measure Guayama Guayama Municipio Puerto Rico U.S.
Typical home value $112,200 $108,200 $131,500 $332,700
Typical monthly rent $412 $436 $578 $1,413
Typical yearly household income $20,955 $20,402 $26,297 $80,734
Households that own their home 58% 68% 68% 65%
Renters with high rent for their income 46% 42% 51% 51%

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

For a typical $112,200 home in Guayama, 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 Guayama's rate.

  • FHA, 3.5% down $843a month

    Least cash to close
    Down payment
    $3,927
    Cash to close
    $7,293
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $50

  • Conventional, 5% down $822a month

    Down payment
    $5,610
    Cash to close
    $8,976
    Rate
    7.18%
    Mortgage insurance
    PMI · $53

  • Conventional, 20% down, no PMI $655a month

    Down payment
    $22,440
    Cash to close
    $25,806
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $759a month

    Down payment
    $16,830
    Cash to close
    $20,196
    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 Guayama and for Guayama Municipio.

Property tax

Data not available for this place

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 Guayama Municipio

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

FEMA does not publish these numbers for Guayama Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Guayama

Typical rent in Guayama is $412 a month: 6% below the municipio. In Guayama, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Guayama 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 Guayama 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 $716 $13.77 $28,640
4 bedrooms $772 $14.85 $30,880

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 Guayama

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Guayama is in ZIP code 00784.

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

  • 00784 $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 Guayama 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 Guayama

HUD lists 9 buildings with rents for lower incomes in Guayama. These are the largest.

  • Luis Pales Matos 1 Res Pales Matos, Guayama 00784 298 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $105 a month · Average wait: 12 months (787) 759-9407
  • Carioca Res Carioca, Guayama 00784 200 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $102 a month · Average wait: 3 months (787) 759-9407
  • Fernando Calimano 500 Res Calimano, Guayama 00784 146 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $117 a month · Average wait: 5 months (787) 759-9407
  • Hogar Santa Rosa A ST Urb. Rex Manor, Guayama 00784 132 low-income homes · For older adults (787) 864-1040
  • Brisas del Mar Elderly 200 Calle Arnaldo Bristol, Guayama 102 low-income homes · 1 bd: 102 · In service since 2008 · For older adults, people with disabilities

See all 9 buildings in Guayama Municipio Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Guayama

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

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Guayama

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

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

  • One Stop Career Center of Puerto Rico

    839 Calle Anasco Ste 5, San Juan · 30 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

  • Greenpath Financial Wellness - San Juan Branch

    1607 Ave Ponce De Leon, San Juan · 33 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 Guayama

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 Guayama

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

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

Cities

Nearby cities

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

Everything about Guayama Municipio Housing in Puerto Rico

Neighboring counties

If Guayama 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 Guayama.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Guayama

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

The typical home value in Guayama is $112,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Guayama Municipio it is $108,200.

How much does it cost to rent in Guayama?

Typical rent in Guayama is $412 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Guayama Municipio is $517.

What is the FHA loan limit in Guayama?

Guayama uses the FHA limit for all of Guayama 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 Guayama?

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