City · 6,440 residents · Gurabo Municipio, Puerto Rico
Gurabo, Puerto Rico
In Gurabo, a typical home is worth $107,800 and typical rent is $671 a month. Compared with all of Gurabo Municipio, typical household income is 37% lower, the typical home value is 32% lower, and the share of households that own their home is 16 points lower.
Gurabo is in Gurabo 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 Gurabo Municipio. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical household income in Gurabo is $26,703,37% less than in Gurabo Municipio as a whole ($42,216).
2
Nearby, in Juncos, the typical rent is $459: 32% less than in Gurabo ($671).
3
62% of households in Gurabo own their home, against 77% in Gurabo Municipio.
4
The typical home in Gurabo is worth $107,800,32% less than in Gurabo Municipio as a whole ($158,500).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Gurabo
What homes there are in Gurabo, 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
Gurabo
Gurabo Municipio
Puerto Rico
United States
Kind of home: Gurabo and its comparisons
Measure
Gurabo
Gurabo Municipio
Puerto Rico
United States
Detached house
68%
81%
68%
61%
Attached house
24%
12%
12%
6%
Building of 2 to 4
Unreliable estimate
3%
6%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
14%
19%
Mobile home
Unreliable estimate
Unreliable estimate
0%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
Unreliable estimate
0%
In Gurabo, 7 in 10 homes are single-family detached houses; in Gurabo Municipio, 8.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Gurabo
Gurabo Municipio
Puerto Rico
United States
Year built: Gurabo and its comparisons
Measure
Gurabo
Gurabo Municipio
Puerto Rico
United States
Before 1960
15%
7%
14%
26%
1960–1979
35%
23%
39%
24%
1980–1999
42%
40%
31%
25%
2000–2009
6%
25%
13%
14%
2010 or later
Unreliable estimate
4%
3%
11%
In Gurabo, half of the homes were built before 1980; in Gurabo Municipio, before 1992.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K44%
$100K–$200K50%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Gurabo and its comparisons
Measure
Gurabo
Under $100K
44%
$100K–$200K
50%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99963%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Gurabo and its comparisons
Measure
Gurabo
Under $500
Unreliable estimate
$500–$999
63%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$828 a month
Gurabo Municipio: $1,144 a month
Without a mortgage
$188 a month
Gurabo Municipio: $200 a month
Owners with a mortgage
37%
Gurabo Municipio: 53%
Owning costs less in Gurabo: with a mortgage, the typical cost is $828 a month; in Gurabo Municipio, $1,144. Without one, $188.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
GuraboNo clear change
Gurabo Municipio+12%
Puerto Rico+18%
United States+53%
Typical rent
Gurabo+32%
Gurabo MunicipioNo clear change
Puerto Rico+21%
United States+33%
Typical household income
Gurabo+54%
Gurabo Municipio+21%
Puerto Rico+28%
United States+29%
Change since 2015–2019: Gurabo and its comparisons
Measure
Gurabo
Gurabo Municipio
Puerto Rico
United States
Typical home value
No clear change
+12%
+18%
+53%
Typical rent
+32%
No clear change
+21%
+33%
Typical household income
+54%
+21%
+28%
+29%
From 2015–2019 to 2020–2024, the typical home value in Gurabo did not change clearly: the difference is within the Census margin of error.
The typical rent in Gurabo rose 32% over the same time.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Gurabo and its comparisons
Measure
Gurabo
Gurabo 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
2.0%
2.3%
3.4%
People per household
2.26
2.52
2.48
2.53
Drive alone
80%
81%
83%
69%
Carpool
Unreliable estimate
7%
6%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
3%
3%
Work from home
Unreliable estimate
8%
6%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
Households in Gurabo are smaller: 2.26 people on average; in Gurabo Municipio, 2.52.
To get to work, 80% of workers in Gurabo drive alone; in Gurabo Municipio, 81%.
Do the math
What would you pay each month for a home in Gurabo?
A typical home costs more than the typical income allows
We start with a typical home in Gurabo, worth $107,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Gurabo, which is $26,703 a year. For that payment to be 28% of income, a household would need to earn about $34,699 a year.
The calculator's FHA and conventional loan limits are those of all of Gurabo 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 Gurabo. 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 $3,773 (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
$871
at 7.18% · 30 years
Loan amount
$105,847
Total interest
$152,290
Paid off in
November 2056
Includes $1,820 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $623 a month
Tight
$623 to $801 a month
Hard
more than $801 a month
Your payment · 39%
Compared with the typical household income in Gurabo ($26,703 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$717
Property tax
$61
Home insurance
$45
FHA mortgage insurance (MIP)
$48
You need at least $3,773 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 $871; principal and interest $717.
The city and its county
Gurabo and Gurabo Municipio
Gurabo is in Gurabo 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).
Gurabo
Map of Gurabo Municipio, Puerto Rico, with Gurabo marked. Around it, the neighboring counties.
Gurabo
Gurabo Municipio
Other cities with a page
Gurabo's own numbers
Typical home value
$107,800
Typical monthly rent
$671
Typical yearly household income
$26,703
Households that own their home
62%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Gurabo Municipio
FHA limit, one-unit home
$690,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$617
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 Gurabo Municipio.
A typical home in Gurabo is worth $107,800: 32% below the municipio and 18% below Puerto Rico. With the typical household income in Gurabo ($26,703 a year), a typical home costs 4.0 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.
Gurabo4.0 years
Municipio3.8 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 Gurabo Municipio. That usually happens when there are too few sales to measure it.
Data not available for this place
Gurabo next to Gurabo 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
Gurabo$107,800
Municipio$158,500
Puerto Rico$131,500
United States$332,700
Typical monthly rent
Gurabo$671
Municipio$678
Puerto Rico$578
United States$1,413
Typical yearly household income
Gurabo$26,703
Municipio$42,216
Puerto Rico$26,297
United States$80,734
See the full table
Gurabo next to Gurabo Municipio and Puerto Rico
Measure
Gurabo
Gurabo Municipio
Puerto Rico
U.S.
Typical home value
$107,800 ▼32% below the municipio
$158,500
$131,500
$332,700
Typical monthly rent
$671
$678
$578
$1,413
Typical yearly household income
$26,703 ▼37% below the municipio
$42,216
$26,297
$80,734
Households that own their home
62% ▼16 points below the municipio
77%
68%
65%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Gurabo 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 Gurabo
For a typical $107,800 home in Gurabo, 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 Gurabo's rate.
FHA, 3.5% down$810a month
Least cash to close
Down payment
$3,773
Cash to close
$7,007
Rate
7.18%
Mortgage insurance
FHA MIP · $48
Conventional, 5% down$790a month
Down payment
$5,390
Cash to close
$8,624
Rate
7.18%
Mortgage insurance
PMI · $51
Conventional, 20% down, no PMI$629a month
Down payment
$21,560
Cash to close
$24,794
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$729a month
Down payment
$16,170
Cash to close
$19,404
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Gurabo
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$810
$3,773
$105,847
7.18%
FHA MIP · $48
$7,007
580
Conventional, 5% down
$790
$5,390
$102,410
7.18%
PMI · $51
$8,624
620*
Conventional, 20% down, no PMI
$629
$21,560
$86,240
7.18%
None
$24,794
620*
ITIN, 15% down (example)
$729
$16,170
$91,630
8.18%
None
$19,404
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 Gurabo is $671 a month: about the same as the municipio.
HUD publishes a fair market rent for all of Gurabo Municipio, by unit size. To pay the 2-bedroom one ($617 a month) without spending more than 30% of your income, you would need to earn $11.87 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 Gurabo Municipio (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$482
$9.27
$19,280
1 bedroom
$502
$9.65
$20,080
2 bedrooms
$617
$11.87
$24,680
3 bedrooms
$854
$16.42
$34,160
4 bedrooms
$1,031
$19.83
$41,240
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 Gurabo
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gurabo is in ZIP code 00778.
For 2 bedrooms it is $630: $13 more than the fair market rent for Gurabo Municipio ($617).
Fair market rent by ZIP code and size in Gurabo, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
00778
$490
$510
$630
$870
$1,050
ZIP code2 bd3 bd
00778 $630$870
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Gurabo 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 Gurabo. These are the largest.
Luis del C Echevarria1 Res Luis Echevarria, Gurabo 00778100 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $145 a month · Average wait: 7 months(787) 759-9407
Buenavista AptsCarr 932, Gurabo70 low-income homes · 1 bd: 12 · 2 bd: 38 · 3 bd: 20 · In service since 1999 · For families
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 Gurabo 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 Gurabo or Gurabo Municipio. The ones below are statewide in Puerto Rico: they work in Gurabo 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 Gurabo or Gurabo 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 Gurabo and all of Gurabo 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 Gurabo?
The typical home value in Gurabo is $107,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Gurabo Municipio it is $158,500.
How much does it cost to rent in Gurabo?
Typical rent in Gurabo is $671 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Gurabo Municipio is $617.
What is the FHA loan limit in Gurabo?
Gurabo uses the FHA limit for all of Gurabo Municipio (2026): $690,000 for a one-unit home and $1,326,950 for a four-unit home.
Where can I find free help to buy or rent in Gurabo?
We found no HUD-approved counseling agencies with an office in Gurabo Municipio; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
