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City · 9,604 residents · Juncos Municipio, Puerto Rico

Juncos , Puerto Rico

In Juncos, a typical home is worth $109,800 and typical rent is $459 a month. Compared with all of Juncos Municipio, typical rent is 20% lower, typical household income is 16% lower, and the share of households that own their home is 16 points lower.

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  • Typical home value

    $109,800

    9% below the municipio

    17% below Puerto Rico

    • Juncos
    • Municipio
    • Puerto Rico

  • Typical rent

    $459a month

    20% below the municipio

    21% below Puerto Rico

    • Juncos
    • Municipio
    • Puerto Rico

  • Typical household income

    $25,043a year

    16% below the municipio

    5% below Puerto Rico

    • Juncos
    • Municipio
    • Puerto Rico

  • Households that own their home

    55%

    16 points below the municipio

    13 points below Puerto Rico

    • Juncos
    • Municipio
    • Puerto Rico

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

Juncos is in Juncos 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 Juncos Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Juncos apart

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

  1. 55% of households in Juncos own their home, against 70% in Juncos Municipio.

  2. The typical rent in Juncos is $459 a month, 20% less than in Juncos Municipio as a whole ($577).

  3. The typical household income in Juncos is $25,043, 16% less than in Juncos Municipio as a whole ($29,863).

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

The homes here

Housing in Juncos

What homes there are in Juncos, 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 Juncos (67%), but less so than in Juncos Municipio (80%).

Year built

The typical home in Juncos was built in 1984, 6 years before the typical one in Juncos 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

HUD's 2-bedroom fair market rent for Juncos Municipio is high ($706): at least 55% of rents in Juncos cost less than $500.

With a mortgage

$836 a month

Juncos Municipio: $835 a month

Without a mortgage

$185 a month

Juncos Municipio: $182 a month

Owners with a mortgage

34%

Juncos Municipio: 50%

In Juncos, 34% of owners have a mortgage; their typical cost is $836 a month, about the same as in Juncos 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

The boundaries of Juncos changed since 2015–2019, so the Census does not compare its figures from then and now. In Juncos Municipio, the typical home value rose 15%.

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

MeasureJuncosJuncos 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 2.552.532.482.53
Drive alone 93%94%83%69%
Carpool Unreliable estimateUnreliable estimate6%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home Unreliable estimateUnreliable estimate6%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Juncos Municipio, a household in Juncos has 2.55 people on average.

To get to work, 93% of workers in Juncos drive alone; in Juncos Municipio, 94%.

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 Juncos?

A typical home costs more than the typical income allows

We start with a typical home in Juncos, worth $109,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Juncos, which is $25,043 a year. For that payment to be 28% of income, a household would need to earn about $36,049 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Juncos. 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 $3,843 (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

$841

at 7.18% · 30 years

Loan amount
$107,811
Total interest
$155,115
Paid off in
November 2056

Includes $1,854 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $584 a month

  • Tight

    $584 to $751 a month

  • Hard

    more than $751 a month

    Your payment · 40%

Compared with the typical household income in Juncos ($25,043 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$841
Principal & interest$730
Property tax$17
Home insurance$46
FHA mortgage insurance (MIP)$49

You need at least $3,843 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

Juncos and Juncos Municipio

Juncos is in Juncos 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).

Juncos's own numbers

Typical home value
$109,800
Typical monthly rent
$459
Typical yearly household income
$25,043
Households that own their home
55%
Effective property tax rate
0.18%

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

Numbers for all of Juncos 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 Juncos Municipio.

Everything about Juncos Municipio

Buying

Buying a home in Juncos

A typical home in Juncos is worth $109,800: 9% below the municipio and 17% below Puerto Rico. With the typical household income in Juncos ($25,043 a year), a typical home costs 4.4 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.

  • Juncos 4.4 years
  • Municipio 4.0 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 Juncos Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

Juncos next to Juncos 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
  • Juncos $109,800
  • Municipio $120,100
  • Puerto Rico $131,500
  • United States $332,700
Typical monthly rent
  • Juncos $459
  • Municipio $577
  • Puerto Rico $578
  • United States $1,413
Typical yearly household income
  • Juncos $25,043
  • Municipio $29,863
  • Puerto Rico $26,297
  • United States $80,734
See the full table
Juncos next to Juncos Municipio and Puerto Rico
Measure Juncos Juncos Municipio Puerto Rico U.S.
Typical home value $109,800 $120,100 $131,500 $332,700
Typical monthly rent $459 $577 $578 $1,413
Typical yearly household income $25,043 $29,863 $26,297 $80,734
Households that own their home 55% 70% 68% 65%
Typical yearly property tax $199 — $646 $3,119
Effective property tax rate 0.18% — 0.49% 0.94%

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

For a typical $109,800 home in Juncos, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Juncos's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $841a month

    Least cash to close
    Down payment
    $3,843
    Cash to close
    $7,137
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $49

  • Conventional, 5% down $821a month

    Down payment
    $5,490
    Cash to close
    $8,784
    Rate
    7.18%
    Mortgage insurance
    PMI · $52

  • Conventional, 20% down, no PMI $657a month

    Down payment
    $21,960
    Cash to close
    $25,254
    Rate
    7.18%
    Mortgage insurance
    None

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

    Down payment
    $16,470
    Cash to close
    $19,764
    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 Juncos and for Juncos Municipio.

Property tax

Effective rate in Juncos

0.18%of the home’s value each year

$199 a year for the typical owner in Juncos.

  • Juncos 0.18%
  • Municipio —
  • 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 Juncos Municipio

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

FEMA does not publish these numbers for Juncos Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Juncos

Typical rent in Juncos is $459 a month: 20% below the municipio.

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

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Juncos is in ZIP code 00777.

For 2 bedrooms it is $660: $46 less than the fair market rent for Juncos Municipio ($706).

  • 00777 $660$860

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

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

  • Narciso Varona Juncos 00777 260 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $115 a month · Average wait: 7 months (787) 759-9407
  • Colinas de Magnolia 1 Res Col De Magnolia, Juncos 00777 148 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $116 a month · Average wait: 7 months (787) 759-9407
  • Antulio Lopez Flecha 1 Res Antulio Lopez, Juncos 00777 109 homes, 108 low-income · Run by Puerto Rico Public Housing Administration · Average payment: $112 a month · Average wait: 3 months (787) 759-9407
  • Jose Palou Castro Carr. 933 KM 0.3, Juncos 00777 60 low-income homes · For families (787) 734-1888
  • Jardines de Juncos II 100 Carr 189, Juncos 35 low-income homes · 1 bd: 3 · 2 bd: 16 · 3 bd: 16 · In service since 1994 · For people with disabilities

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

Free help

Help to buy or rent in Juncos

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 Juncos 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 Juncos

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

The HUD-approved agencies closest to the center of Juncos, 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 · 15 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 · 18 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 · 18 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 Juncos

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 Juncos

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

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

Cities

Nearby cities

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

Everything about Juncos Municipio Housing in Puerto Rico

Neighboring counties

If Juncos 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 Juncos.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Juncos

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

The typical home value in Juncos is $109,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Juncos Municipio it is $120,100.

How much does it cost to rent in Juncos?

Typical rent in Juncos is $459 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Juncos Municipio is $706.

What is the FHA loan limit in Juncos?

Juncos uses the FHA limit for all of Juncos 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 Juncos?

The typical homeowner in Juncos pays $199 a year, according to the U.S. Census Bureau. That is 0.18% of the home’s value; in Juncos Municipio, the rate is Data not available for this place.

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

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