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City · 70,599 residents · Guaynabo Municipio, Puerto Rico

Guaynabo , Puerto Rico

In Guaynabo, a typical home is worth $246,200 and typical rent is $1,004 a month. Compared with all of Guaynabo Municipio, typical household income is 23% higher and typical rent is 11% higher.

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  • Typical home value

    $246,200

    9% above the municipio

    87% above Puerto Rico

    • Guaynabo
    • Municipio
    • Puerto Rico

  • Typical rent

    $1,004a month

    11% above the municipio

    74% above Puerto Rico

    • Guaynabo
    • Municipio
    • Puerto Rico

  • Typical household income

    $57,272a year

    23% above the municipio

    118% above Puerto Rico

    • Guaynabo
    • Municipio
    • Puerto Rico

  • Households that own their home

    72%

    About the same as the municipio

    4 points above Puerto Rico

    • Guaynabo
    • Municipio
    • Puerto Rico

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

Guaynabo is in Guaynabo 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 Guaynabo Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Guaynabo apart

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

  1. Guaynabo has the highest typical rent of the 50 cities in Puerto Rico with more than 5,000 people: $1,004.

  2. Guaynabo has the highest typical household income of the 52 cities in Puerto Rico with more than 5,000 people: $57,272.

  3. Nearby, in Caño Martin Peña, the typical home value is $105,400: 57% less than in Guaynabo ($246,200).

  4. Guaynabo has the 2nd highest typical home value of the 54 cities in Puerto Rico with more than 5,000 people ($246,200).

  5. Nearby, in Caño Martin Peña, the typical rent is $578: 42% less than in Guaynabo ($1,004).

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

The homes here

Housing in Guaynabo

What homes there are in Guaynabo, 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 Guaynabo there is a bit of everything: no kind of home reaches half. The most common are detached houses (48%); in Guaynabo Municipio, 53%.

Year built

The typical year built in Guaynabo is 1980, about the same as in Guaynabo Municipio (1980).

By size, homes in Guaynabo look like those in Guaynabo Municipio: 77% have 3 bedrooms or more.

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

By price, most homes in Guaynabo sit under the FHA limit for Guaynabo Municipio ($690,000): about 91%.

Monthly rent with utilities

Only about 32% of rented homes in Guaynabo cost less than HUD's 2-bedroom fair market rent for Guaynabo Municipio ($706).

With a mortgage

$1,567 a month

Guaynabo Municipio: $1,511 a month

Without a mortgage

$381 a month

Guaynabo Municipio: $302 a month

Owners with a mortgage

51%

Guaynabo Municipio: 46%

The typical cost for an owner with a mortgage in Guaynabo is $1,567 a month, near the figure in Guaynabo Municipio ($1,511).

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, home values in Guaynabo rose at about the same pace as in Guaynabo Municipio: 25% against 27%.

Much as in Guaynabo Municipio, the typical rent in Guaynabo rose 27% since 2015–2019.

The typical household income in Guaynabo rose 33%: more than home values (+25%) and rent (+27%).

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

MeasureGuaynaboGuaynabo MunicipioPuerto RicoUnited States
Rental vacancy Unreliable estimate2.1%5.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room 1.1%1.1%2.3%3.4%
People per household 2.392.412.482.53
Drive alone 77%78%83%69%
Carpool 8%8%6%9%
Public transit 2%2%1%3%
Walk or bike 1%1%3%3%
Work from home 11%10%6%15%
Other means 2%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Guaynabo Municipio, 1.1% of households in Guaynabo have more than one person per room.

By size, households in Guaynabo look like those in Guaynabo Municipio: 2.39 people on average.

To get to work, 77% of workers in Guaynabo drive alone; in Guaynabo Municipio, 78%.

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 Guaynabo?

A typical home costs more than the typical income allows

We start with a typical home in Guaynabo, worth $246,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Guaynabo, which is $57,272 a year. For that payment to be 28% of income, a household would need to earn about $83,204 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Guaynabo. 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 $8,617 (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

$1,941

at 7.18% · 30 years

Loan amount
$241,741
Total interest
$347,808
Paid off in
November 2056

Includes $4,158 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,336 a month

  • Tight

    $1,336 to $1,718 a month

  • Hard

    more than $1,718 a month

    Your payment · 41%

Compared with the typical household income in Guaynabo ($57,272 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,941
Principal & interest$1,638
Property tax$92
Home insurance$103
FHA mortgage insurance (MIP)$109

You need at least $8,617 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

Guaynabo and Guaynabo Municipio

Guaynabo is in Guaynabo 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).

Guaynabo's own numbers

Typical home value
$246,200
Typical monthly rent
$1,004
Typical yearly household income
$57,272
Households that own their home
72%
Effective property tax rate
0.45%

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

Numbers for all of Guaynabo 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 Guaynabo Municipio.

Everything about Guaynabo Municipio

Buying

Buying a home in Guaynabo

A typical home in Guaynabo is worth $246,200: 9% above the municipio and 87% above Puerto Rico. With the typical household income in Guaynabo ($57,272 a year), a typical home costs 4.3 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.

  • Guaynabo 4.3 years
  • Municipio 4.9 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 Guaynabo Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

Guaynabo next to Guaynabo 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
  • Guaynabo $246,200
  • Municipio $226,800
  • Puerto Rico $131,500
  • United States $332,700
Typical monthly rent
  • Guaynabo $1,004
  • Municipio $901
  • Puerto Rico $578
  • United States $1,413
Typical yearly household income
  • Guaynabo $57,272
  • Municipio $46,731
  • Puerto Rico $26,297
  • United States $80,734
See the full table
Guaynabo next to Guaynabo Municipio and Puerto Rico
Measure Guaynabo Guaynabo Municipio Puerto Rico U.S.
Typical home value $246,200 $226,800 $131,500 $332,700
Typical monthly rent $1,004 $901 $578 $1,413
Typical yearly household income $57,272 $46,731 $26,297 $80,734
Households that own their home 72% 72% 68% 65%
Typical yearly property tax $1,105 $1,053 $646 $3,119
Effective property tax rate 0.45% 0.46% 0.49% 0.94%
Renters with high rent for their income 43% 43% 51% 51%

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

For a typical $246,200 home in Guaynabo, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Guaynabo's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,941a month

    Least cash to close
    Down payment
    $8,617
    Cash to close
    $16,003
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $109

  • Conventional, 5% down $1,896a month

    Down payment
    $12,310
    Cash to close
    $19,696
    Rate
    7.18%
    Mortgage insurance
    PMI · $117

  • Conventional, 20% down, no PMI $1,529a month

    Down payment
    $49,240
    Cash to close
    $56,626
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,757a month

    Down payment
    $36,930
    Cash to close
    $44,316
    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 Guaynabo and for Guaynabo Municipio.

Property tax

Effective rate in Guaynabo

0.45%of the home’s value each year

$1,105 a year for the typical owner in Guaynabo.

  • Guaynabo 0.45%
  • Municipio 0.46%
  • 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 Guaynabo Municipio

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

FEMA does not publish these numbers for Guaynabo Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Guaynabo

Typical rent in Guaynabo is $1,004 a month: 11% above the municipio. In Guaynabo, 43% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Guaynabo 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 Guaynabo 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 Guaynabo

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Guaynabo has 6 ZIP codes with their own.

For 2 bedrooms it runs from $640 in 00965 to $1,060 in 00969.

5 of the 6 are above the fair market rent for Guaynabo Municipio ($706).

  • 00934 $930$1,210
  • 00965 $640$830
  • 00966 $1,060$1,380
  • 00968 $1,060$1,380
  • 00969 $1,060$1,380
  • 00971 $720$940

4 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Guaynabo 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 Guaynabo

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

  • Villa Venecia PR Road 20 Martinez Nadal Highway, Guaynabo 00966 360 homes, 273 low-income · For families (787) 781-5272
  • Hannia Maria Apartments Hannia Maria Apts, Guaynabo 00969 260 low-income homes · For families (787) 720-8813
  • Villas del Mabo 551 Carr 199, Guaynabo 00969 204 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $195 a month · Average wait: 100 months (787) 759-9407
  • Zenon Diaz Valcarcel 10 Res Z Diaz Val, Guaynabo 00965 200 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $144 a month · Average wait: 18 months (787) 759-9407
  • La Rosaleda 1 Res La Rosaleda, Guaynabo 00969 136 homes, 135 low-income · Run by Puerto Rico Public Housing Administration · Average payment: $111 a month · Average wait: 7 months (787) 759-9407

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

Free help

Help to buy or rent in Guaynabo

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

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Guaynabo

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

The HUD-approved agencies closest to the center of Guaynabo, 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 · 4 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 · 5 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 · 5 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 Guaynabo

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 Guaynabo

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

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

Cities

Nearby cities

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

Everything about Guaynabo Municipio Housing in Puerto Rico

Neighboring counties

If Guaynabo 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 Guaynabo.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Guaynabo

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

The typical home value in Guaynabo is $246,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Guaynabo Municipio it is $226,800.

How much does it cost to rent in Guaynabo?

Typical rent in Guaynabo is $1,004 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Guaynabo Municipio is $706.

What is the FHA loan limit in Guaynabo?

Guaynabo uses the FHA limit for all of Guaynabo 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 Guaynabo?

The typical homeowner in Guaynabo pays $1,105 a year, according to the U.S. Census Bureau. That is 0.45% of the home’s value; in Guaynabo Municipio, the rate is 0.46%.

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

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