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City · 5,198 residents · Las Piedras Municipio, Puerto Rico

Las Piedras , Puerto Rico

In Las Piedras, a typical home is worth $119,800. Compared with all of Las Piedras Municipio, typical household income is 37% lower, the typical home value is 6% lower, and the share of households that own their home is 15 points lower.

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  • Typical home value

    $119,800

    6% below the municipio

    9% below Puerto Rico

    • Las Piedras
    • Municipio
    • Puerto Rico

  • Typical household income

    $15,784a year

    37% below the municipio

    40% below Puerto Rico

    • Las Piedras
    • Municipio
    • Puerto Rico

  • Households that own their home

    59%

    15 points below the municipio

    9 points below Puerto Rico

    • Las Piedras
    • Municipio
    • Puerto Rico

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

Las Piedras is in Las Piedras 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 Las Piedras Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Las Piedras apart

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

  1. The typical household income in Las Piedras is $15,784, 37% less than in Las Piedras Municipio as a whole ($25,232).

  2. 59% of households in Las Piedras own their home, against 74% in Las Piedras Municipio.

  3. Nearby, in Yabucoa, the typical home value is $98,200: 18% less than in Las Piedras ($119,800).

  4. Las Piedras has the 3rd largest share of rent-burdened renters of the 33 cities in Puerto Rico with more than 5,000 people (65%).

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

The homes here

Housing in Las Piedras

What homes there are in Las Piedras, 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

The detached house is still the most common home in Las Piedras, but it weighs less than in Las Piedras Municipio: 70% against 83%.

Year built

In Las Piedras, half of the homes were built before 1982; in Las Piedras Municipio, before 1991.

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

About 74% of rented homes in Las Piedras cost less than HUD's 2-bedroom fair market rent for Las Piedras Municipio ($706).

With a mortgage

$818 a month

Las Piedras Municipio: $828 a month

Without a mortgage

$163 a month

Las Piedras Municipio: $165 a month

Owners with a mortgage

33%

Las Piedras Municipio: 38%

The typical cost for an owner with a mortgage in Las Piedras is $818 a month, near the figure in Las Piedras Municipio ($828).

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 Census does not compare Las Piedras with 2015–2019 because its boundaries changed. In Las Piedras Municipio, over that time, the typical home value rose 12%.

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

MeasureLas PiedrasLas Piedras 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 estimate2.7%2.3%3.4%
People per household 2.352.672.482.53
Drive alone 92%88%83%69%
Carpool Unreliable estimateUnreliable estimate6%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate8%3%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

Households in Las Piedras are smaller: 2.35 people on average; in Las Piedras Municipio, 2.67.

To get to work, 92% of workers in Las Piedras drive alone; in Las Piedras Municipio, 88%.

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 Las Piedras?

A typical home costs more than the typical income allows

We start with a typical home in Las Piedras, worth $119,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 68% of the typical household income in Las Piedras, which is $15,784 a year. For that payment to be 28% of income, a household would need to earn about $38,562 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Las Piedras. 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 $4,193 (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

$935

at 7.18% · 30 years

Loan amount
$117,630
Total interest
$169,242
Paid off in
November 2056

Includes $2,023 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $368 a month

  • Tight

    $368 to $474 a month

  • Hard

    more than $474 a month

    Your payment · 71%

Compared with the typical household income in Las Piedras ($15,784 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$935
Principal & interest$797
Property tax$35
Home insurance$50
FHA mortgage insurance (MIP)$53

You need at least $4,193 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

Las Piedras and Las Piedras Municipio

Las Piedras is in Las Piedras 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).

Las Piedras's own numbers

Typical home value
$119,800
Typical yearly household income
$15,784
Households that own their home
59%

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

Numbers for all of Las Piedras 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 Las Piedras Municipio.

Everything about Las Piedras Municipio

Buying

Buying a home in Las Piedras

A typical home in Las Piedras is worth $119,800: 6% below the municipio and 9% below Puerto Rico. With the typical household income in Las Piedras ($15,784 a year), a typical home costs 7.6 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.

  • Las Piedras 7.6 years
  • Municipio 5.1 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 Las Piedras Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

Las Piedras next to Las Piedras 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
  • Las Piedras $119,800
  • Municipio $127,500
  • Puerto Rico $131,500
  • United States $332,700
Typical yearly household income
  • Las Piedras $15,784
  • Municipio $25,232
  • Puerto Rico $26,297
  • United States $80,734
See the full table
Las Piedras next to Las Piedras Municipio and Puerto Rico
Measure Las Piedras Las Piedras Municipio Puerto Rico U.S.
Typical home value $119,800 $127,500 $131,500 $332,700
Typical yearly household income $15,784 $25,232 $26,297 $80,734
Households that own their home 59% 74% 68% 65%
Renters with high rent for their income 65% 55% 51% 51%

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

For a typical $119,800 home in Las Piedras, 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 Las Piedras's rate.

  • FHA, 3.5% down $900a month

    Least cash to close
    Down payment
    $4,193
    Cash to close
    $7,787
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $53

  • Conventional, 5% down $878a month

    Down payment
    $5,990
    Cash to close
    $9,584
    Rate
    7.18%
    Mortgage insurance
    PMI · $57

  • Conventional, 20% down, no PMI $699a month

    Down payment
    $23,960
    Cash to close
    $27,554
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $810a month

    Down payment
    $17,970
    Cash to close
    $21,564
    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 Las Piedras and for Las Piedras 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 Las Piedras Municipio

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

FEMA does not publish these numbers for Las Piedras Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Las Piedras

The Census Bureau publishes no typical rent for Las Piedras. Below are the fair market rents for Las Piedras Municipio. In Las Piedras, 65% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Las Piedras 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 Las Piedras 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 Las Piedras

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Las Piedras is in ZIP code 00771.

For 2 bedrooms it is $640: $66 less than the fair market rent for Las Piedras Municipio ($706).

  • 00771 $640$830

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

HUD lists 5 buildings with rents for lower incomes in Las Piedras. These are the largest.

  • Paseo Samaritano PR 183-KM 16.9, Las Piedras 00771 120 low-income homes · 3 bd: 120 · In service since 2018 · For families
  • Ext. Jardines de Judely 64 Calle Rafael Gomez, Las Piedras 00771 102 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $102 a month · Average wait: 13 months (787) 759-9407
  • La Ribera 1 Res La Riviera, Las Piedras 00771 100 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $120 a month · Average wait: 7 months (787) 759-9407
  • April Gardens Apts KM 0.5 State Road 917, Las Piedras 00771 58 low-income homes · For families (787) 733-2232
  • Bellas Piedras 200 Calle Municipal, Las Piedras 32 low-income homes · 2 bd: 16 · 3 bd: 16 · In service since 1997 · For people with disabilities

See all 5 buildings in Las Piedras Municipio Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Las Piedras

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

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Las Piedras

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

The HUD-approved agencies closest to the center of Las Piedras, 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 · 20 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 · 22 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 · 22 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 Las Piedras

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 Las Piedras

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

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

Cities

Nearby cities

The cities closest to Las Piedras, with the typical home value.

Everything about Las Piedras Municipio Housing in Puerto Rico

Neighboring counties

If Las Piedras 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 Las Piedras.

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 Las Piedras

Short answers with the numbers for Las Piedras and all of Las Piedras 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 Las Piedras?

The typical home value in Las Piedras is $119,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Las Piedras Municipio it is $127,500.

What is the FHA loan limit in Las Piedras?

Las Piedras uses the FHA limit for all of Las Piedras 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 Las Piedras?

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