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City · 15,787 residents · Humacao Municipio, Puerto Rico

Humacao , Puerto Rico

In Humacao, a typical home is worth $117,500 and typical rent is $478 a month. Compared with all of Humacao Municipio, typical household income is 18% lower, typical rent is 16% lower, and the share of households that own their home is 11 points lower.

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  • Typical home value

    $117,500

    2% below the municipio

    11% below Puerto Rico

    • Humacao
    • Municipio
    • Puerto Rico

  • Typical rent

    $478a month

    16% below the municipio

    17% below Puerto Rico

    • Humacao
    • Municipio
    • Puerto Rico

  • Typical household income

    $22,172a year

    18% below the municipio

    16% below Puerto Rico

    • Humacao
    • Municipio
    • Puerto Rico

  • Households that own their home

    63%

    11 points below the municipio

    5 points below Puerto Rico

    • Humacao
    • Municipio
    • Puerto Rico

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

Humacao is in Humacao 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 Humacao Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Humacao apart

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

  1. Nearby, in Yabucoa, the typical home value is $98,200: 16% less than in Humacao ($117,500).

  2. The typical household income in Humacao is $22,172, 18% less than in Humacao Municipio as a whole ($27,038).

  3. The typical rent in Humacao is $478 a month, 16% less than in Humacao Municipio as a whole ($568).

  4. 63% of households in Humacao own their home, against 74% in Humacao Municipio.

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

The homes here

Housing in Humacao

What homes there are in Humacao, 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 Humacao, 6 in 10 homes are single-family detached houses; in Humacao Municipio, 7.

Year built

The typical home in Humacao was built in 1976, 8 years before the typical one in Humacao Municipio.

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

By rent, most homes in Humacao cost less than HUD's 2-bedroom fair market rent ($706): about 72%.

With a mortgage

$800 a month

Humacao Municipio: $882 a month

Without a mortgage

$176 a month

Humacao Municipio: $179 a month

Owners with a mortgage

40%

Humacao Municipio: 33%

The typical cost for an owner with a mortgage in Humacao is $800 a month, less than in Humacao Municipio ($882); without one, $176.

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

The typical home value in Humacao rose 21% since 2015–2019, less than in Humacao Municipio (25%).

The typical rent in Humacao rose 31% since 2015–2019, about the same as in Humacao Municipio (30%).

While home values in Humacao changed +21% and rent +31%, the typical household income rose 26%.

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

MeasureHumacaoHumacao MunicipioPuerto RicoUnited States
Rental vacancy Unreliable estimate5.9%5.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimate2.1%2.3%3.4%
People per household 2.242.442.482.53
Drive alone 90%87%83%69%
Carpool Unreliable estimate5%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 estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.24 on average, against 2.44 in Humacao Municipio.

To get to work, 90% of workers in Humacao drive alone; in Humacao Municipio, 87%.

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 Humacao?

A typical home costs more than the typical income allows

We start with a typical home in Humacao, worth $117,500, 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 Humacao, which is $22,172 a year. For that payment to be 28% of income, a household would need to earn about $37,821 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Humacao. 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 $4,113 (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

$953

at 7.18% · 30 years

Loan amount
$115,371
Total interest
$165,992
Paid off in
November 2056

Includes $1,984 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $517 a month

  • Tight

    $517 to $665 a month

  • Hard

    more than $665 a month

    Your payment · 52%

Compared with the typical household income in Humacao ($22,172 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$953
Principal & interest$782
Property tax$71
Home insurance$49
FHA mortgage insurance (MIP)$52

You need at least $4,113 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

Humacao and Humacao Municipio

Humacao is in Humacao 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).

Humacao's own numbers

Typical home value
$117,500
Typical monthly rent
$478
Typical yearly household income
$22,172
Households that own their home
63%

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

Numbers for all of Humacao 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 Humacao Municipio.

Everything about Humacao Municipio

Buying

Buying a home in Humacao

A typical home in Humacao is worth $117,500: 2% below the municipio and 11% below Puerto Rico. With the typical household income in Humacao ($22,172 a year), a typical home costs 5.3 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.

  • Humacao 5.3 years
  • Municipio 4.4 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 Humacao Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

Humacao next to Humacao 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
  • Humacao $117,500
  • Municipio $120,100
  • Puerto Rico $131,500
  • United States $332,700
Typical monthly rent
  • Humacao $478
  • Municipio $568
  • Puerto Rico $578
  • United States $1,413
Typical yearly household income
  • Humacao $22,172
  • Municipio $27,038
  • Puerto Rico $26,297
  • United States $80,734
See the full table
Humacao next to Humacao Municipio and Puerto Rico
Measure Humacao Humacao Municipio Puerto Rico U.S.
Typical home value $117,500 $120,100 $131,500 $332,700
Typical monthly rent $478 $568 $578 $1,413
Typical yearly household income $22,172 $27,038 $26,297 $80,734
Households that own their home 63% 74% 68% 65%

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

For a typical $117,500 home in Humacao, 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 Humacao's rate.

  • FHA, 3.5% down $882a month

    Least cash to close
    Down payment
    $4,113
    Cash to close
    $7,638
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $52

  • Conventional, 5% down $861a month

    Down payment
    $5,875
    Cash to close
    $9,400
    Rate
    7.18%
    Mortgage insurance
    PMI · $56

  • Conventional, 20% down, no PMI $686a month

    Down payment
    $23,500
    Cash to close
    $27,025
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $794a month

    Down payment
    $17,625
    Cash to close
    $21,150
    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 Humacao and for Humacao 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 Humacao Municipio

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

FEMA does not publish these numbers for Humacao Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Humacao

Typical rent in Humacao is $478 a month: 16% below the municipio.

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

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Humacao is in ZIP code 00791.

For 2 bedrooms it is $610: $96 less than the fair market rent for Humacao Municipio ($706).

  • 00791 $610$800

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

HUD lists 12 buildings with rents for lower incomes in Humacao. These are the largest.

  • Padre Rivera 255 Calle C Stella, Humacao 00791 260 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $108 a month · Average wait: 11 months (787) 759-9407
  • Jardines de Oriente 4 Res Jard De Oriente, Humacao 00791 200 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $112 a month · Average wait: 9 months (787) 759-9407
  • DR Pedro J Palou 1 Res Dr Palou, Humacao 00791 150 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $110 a month · Average wait: 2 months (787) 759-9407
  • Villas de Humacao RD 908- KM 1 HM 6, Humacao 00791 120 low-income homes · For families (787) 852-5090
  • Ryder Home for the Elderly 315 Ave Font Martelo, Humacao 00791 96 low-income homes · For older adults (787) 852-4867

See all 12 buildings in Humacao Municipio Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Humacao

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

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Humacao

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

The HUD-approved agencies closest to the center of Humacao, 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 · 24 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (787) 296-1785

  • Greenpath Financial Wellness - San Juan Branch

    1607 Ave Ponce De Leon, San Juan · 26 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (888) 279-8273

  • CCCS of Puerto Rico

    1607 Avenue Ponce de Leon, Santurce · 26 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (787) 722-8835

All counseling agencies in Puerto Rico

Help in Spanish near Humacao

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 Humacao

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

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

Cities

Nearby cities

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

Everything about Humacao Municipio Housing in Puerto Rico

Neighboring counties

If Humacao 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 Humacao.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Humacao

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

The typical home value in Humacao is $117,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Humacao Municipio it is $120,100.

How much does it cost to rent in Humacao?

Typical rent in Humacao is $478 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Humacao Municipio is $706.

What is the FHA loan limit in Humacao?

Humacao uses the FHA limit for all of Humacao 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 Humacao?

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