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City · 11,048 residents · Isabela Municipio, Puerto Rico

Isabela , Puerto Rico

In Isabela, a typical home is worth $121,300 and typical rent is $633 a month. Compared with all of Isabela Municipio, the typical home value is 11% lower and typical rent is 9% higher.

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  • Typical home value

    $121,300

    11% below the municipio

    8% below Puerto Rico

    • Isabela
    • Municipio
    • Puerto Rico

  • Typical rent

    $633a month

    9% above the municipio

    10% above Puerto Rico

    • Isabela
    • Municipio
    • Puerto Rico

  • Typical household income

    $21,796a year

    6% below the municipio

    17% below Puerto Rico

    • Isabela
    • Municipio
    • Puerto Rico

  • Households that own their home

    64%

    3 points below the municipio

    4 points below Puerto Rico

    • Isabela
    • Municipio
    • Puerto Rico

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

Isabela is in Isabela 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 Isabela Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Isabela apart

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

  1. Nearby, in Aguadilla, the typical rent is $336: 47% less than in Isabela ($633).

  2. Nearby, in Quebradillas, the typical home value is $103,100: 15% less than in Isabela ($121,300).

  3. 43% of households in Isabela have no internet at home (38% in Isabela Municipio).

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

The homes here

Housing in Isabela

What homes there are in Isabela, 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 houses are the majority in Isabela (76%), but less so than in Isabela Municipio (83%).

Year built

In Isabela, half of the homes were built before 1979; in Isabela Municipio, before 1983.

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

With a mortgage

$827 a month

Isabela Municipio: $849 a month

Without a mortgage

$174 a month

Isabela Municipio: $175 a month

Owners with a mortgage

34%

Isabela Municipio: 32%

In Isabela, 34% of owners have a mortgage; their typical cost is $827 a month, about the same as in Isabela Municipio.

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

Since 2015–2019, home values in Isabela moved so little that the Census cannot say whether they rose or fell.

Rents in Isabela rose faster than in Isabela Municipio: 59% since 2015–2019, against 28%.

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

MeasureIsabelaIsabela MunicipioPuerto RicoUnited States
Rental vacancy Unreliable estimate14.0%5.1%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 2.772.842.482.53
Drive alone 79%84%83%69%
Carpool Unreliable estimate7%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 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Isabela has 2.77 people on average, about the same as in Isabela Municipio (2.84).

The car rules in Isabela: 79% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Isabela?

A typical home costs more than the typical income allows

We start with a typical home in Isabela, worth $121,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 53% of the typical household income in Isabela, which is $21,796 a year. For that payment to be 28% of income, a household would need to earn about $41,254 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Isabela. 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 $4,246 (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

$963

at 7.18% · 30 years

Loan amount
$119,102
Total interest
$171,360
Paid off in
November 2056

Includes $2,048 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $509 a month

  • Tight

    $509 to $654 a month

  • Hard

    more than $654 a month

    Your payment · 53%

Compared with the typical household income in Isabela ($21,796 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$963
Principal & interest$807
Property tax$52
Home insurance$51
FHA mortgage insurance (MIP)$54

You need at least $4,246 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

Isabela and Isabela Municipio

Isabela is in Isabela 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).

Isabela's own numbers

Typical home value
$121,300
Typical monthly rent
$633
Typical yearly household income
$21,796
Households that own their home
64%
Effective property tax rate
0.51%

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

Numbers for all of Isabela Municipio

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$613

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 Isabela Municipio.

Everything about Isabela Municipio

Buying

Buying a home in Isabela

A typical home in Isabela is worth $121,300: 11% below the municipio and 8% below Puerto Rico. With the typical household income in Isabela ($21,796 a year), a typical home costs 5.6 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.

  • Isabela 5.6 years
  • Municipio 5.9 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 Isabela Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

Isabela next to Isabela 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
  • Isabela $121,300
  • Municipio $136,200
  • Puerto Rico $131,500
  • United States $332,700
Typical monthly rent
  • Isabela $633
  • Municipio $582
  • Puerto Rico $578
  • United States $1,413
Typical yearly household income
  • Isabela $21,796
  • Municipio $23,266
  • Puerto Rico $26,297
  • United States $80,734
See the full table
Isabela next to Isabela Municipio and Puerto Rico
Measure Isabela Isabela Municipio Puerto Rico U.S.
Typical home value $121,300 $136,200 $131,500 $332,700
Typical monthly rent $633 $582 $578 $1,413
Typical yearly household income $21,796 $23,266 $26,297 $80,734
Households that own their home 64% 66% 68% 65%
Typical yearly property tax $617 $604 $646 $3,119
Effective property tax rate 0.51% 0.44% 0.49% 0.94%

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

For a typical $121,300 home in Isabela, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Isabela's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $963a month

    Least cash to close
    Down payment
    $4,246
    Cash to close
    $7,885
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $54

  • Conventional, 5% down $940a month

    Down payment
    $6,065
    Cash to close
    $9,704
    Rate
    7.18%
    Mortgage insurance
    PMI · $58

  • Conventional, 20% down, no PMI $759a month

    Down payment
    $24,260
    Cash to close
    $27,899
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $872a month

    Down payment
    $18,195
    Cash to close
    $21,834
    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 Isabela and for Isabela Municipio.

Property tax

Effective rate in Isabela

0.51%of the home’s value each year

$617 a year for the typical owner in Isabela.

  • Isabela 0.51%
  • Municipio 0.44%
  • 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 Isabela Municipio

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

FEMA does not publish these numbers for Isabela Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Isabela

Typical rent in Isabela is $633 a month: 9% above the municipio.

HUD publishes a fair market rent for all of Isabela Municipio, by unit size. To pay the 2-bedroom one ($613 a month) without spending more than 30% of your income, you would need to earn $11.79 an hour working full time.

HUD fair market rent for all of Isabela 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 $504 $9.69 $20,160
1 bedroom $507 $9.75 $20,280
2 bedrooms $613 $11.79 $24,520
3 bedrooms $731 $14.06 $29,240
4 bedrooms $820 $15.77 $32,800

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 Isabela

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Isabela is in ZIP code 00662.

For 2 bedrooms it is $610: $3 less than the fair market rent for Isabela Municipio ($613).

  • 00662 $610$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 Isabela 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 Isabela

HUD lists 6 buildings with rents for lower incomes in Isabela. These are the largest.

  • Alturas de Isabela 77 Alts De Isabela, Isabela 00662 104 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $146 a month · Average wait: 61 months (787) 759-9407
  • Jardines del Noroeste Isabela 00662 98 homes, 97 low-income · Run by Puerto Rico Public Housing Administration · Average payment: $175 a month · Average wait: 27 months (787) 759-9407
  • Vistas de Isabela II Isabela 00662 95 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $231 a month · Homes at several sites (787) 759-9407
  • Vicente Geigel Polanco PO Box 81, Isabela 00662 80 low-income homes · For families (787) 872-3483
  • Vistas de Isabela Isabela 00662 33 homes, 32 low-income · Run by Puerto Rico Public Housing Administration · Average payment: $262 a month (787) 759-9407

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

Free help

Help to buy or rent in Isabela

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

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Isabela

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

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

  • Centro de Apoyo Familiar (CAF) PR

    92 Calle La Paz, Aguada · 14 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (301) 328-3292

  • Corporacion Desarrollo Economico,vivienda y Salud

    68 Calle Puro Girau, Arecibo · 20 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (787) 879-3300

  • Ponce Neighborhood Housing Services, Inc.

    57 Calle Mendez Vigo, Ponce · 43 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (787) 841-5055

All counseling agencies in Puerto Rico

Help in Spanish near Isabela

2 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 Isabela

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

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

Cities

Nearby cities

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

Everything about Isabela Municipio Housing in Puerto Rico

Neighboring counties

If Isabela 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 Isabela.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Isabela

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

The typical home value in Isabela is $121,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Isabela Municipio it is $136,200.

How much does it cost to rent in Isabela?

Typical rent in Isabela is $633 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Isabela Municipio is $613.

What is the FHA loan limit in Isabela?

Isabela uses the FHA limit for all of Isabela Municipio (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Isabela?

The typical homeowner in Isabela pays $617 a year, according to the U.S. Census Bureau. That is 0.51% of the home’s value; in Isabela Municipio, the rate is 0.44%.

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

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