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City · 7,387 residents · Luquillo Municipio, Puerto Rico

Luquillo , Puerto Rico

In Luquillo, a typical home is worth $132,900 and typical rent is $418 a month. Compared with all of Luquillo Municipio, typical rent is 17% lower and the share of households that own their home is 7 points lower.

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  • Typical home value

    $132,900

    4% below the municipio

    About the same as Puerto Rico

    • Luquillo
    • Municipio
    • Puerto Rico

  • Typical rent

    $418a month

    17% below the municipio

    28% below Puerto Rico

    • Luquillo
    • Municipio
    • Puerto Rico

  • Typical household income

    $23,719a year

    2% below the municipio

    10% below Puerto Rico

    • Luquillo
    • Municipio
    • Puerto Rico

  • Households that own their home

    62%

    7 points below the municipio

    6 points below Puerto Rico

    • Luquillo
    • Municipio
    • Puerto Rico

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

Luquillo is in Luquillo 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 Luquillo Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Luquillo apart

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

  1. Nearby, in San Isidro, the typical home value is $92,200: 31% less than in Luquillo ($132,900).

  2. The typical rent in Luquillo is $418 a month, 17% less than in Luquillo Municipio as a whole ($504).

  3. 62% of households in Luquillo own their home, against 69% in Luquillo Municipio.

  4. 10% of households in Luquillo have no internet at home (16% in Luquillo Municipio).

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

The homes here

Housing in Luquillo

What homes there are in Luquillo, 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

As in Luquillo Municipio, most homes in Luquillo are detached houses (66%).

Year built

In Luquillo, half of the homes were built before 1978; in Luquillo Municipio, before 1979.

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 66% of rented homes in Luquillo cost less than HUD's 2-bedroom fair market rent for Luquillo Municipio ($639); the rest cost more.

With a mortgage

$793 a month

Luquillo Municipio: $858 a month

Without a mortgage

$198 a month

Luquillo Municipio: $188 a month

Owners with a mortgage

52%

Luquillo Municipio: 40%

In Luquillo, 52% of owners have a mortgage, and their typical cost is $793 a month, against $858 in Luquillo Municipio. Without one it drops to $198.

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 Luquillo rose 21% since 2015–2019, less than in Luquillo Municipio (25%).

Since 2015–2019, the typical rent in Luquillo did not change clearly, according to the Census.

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

MeasureLuquilloLuquillo 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 2.532.512.482.53
Drive alone 82%81%83%69%
Carpool Unreliable estimate5%6%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home 7%7%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 Luquillo has 2.53 people on average, about the same as in Luquillo Municipio (2.51).

In Luquillo, 82% of workers drive alone to work; in Luquillo Municipio, 81%.

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 Luquillo?

A typical home costs more than the typical income allows

We start with a typical home in Luquillo, worth $132,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 50% of the typical household income in Luquillo, which is $23,719 a year. For that payment to be 28% of income, a household would need to earn about $42,778 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Luquillo. 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 $4,652 (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

$1,090

at 7.18% · 30 years

Loan amount
$130,492
Total interest
$187,748
Paid off in
November 2056

Includes $2,244 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $553 a month

  • Tight

    $553 to $712 a month

  • Hard

    more than $712 a month

    Your payment · 55%

Compared with the typical household income in Luquillo ($23,719 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,090
Principal & interest$884
Property tax$92
Home insurance$55
FHA mortgage insurance (MIP)$59

You need at least $4,652 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

Luquillo and Luquillo Municipio

Luquillo is in Luquillo 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).

Luquillo's own numbers

Typical home value
$132,900
Typical monthly rent
$418
Typical yearly household income
$23,719
Households that own their home
62%

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

Numbers for all of Luquillo Municipio

FHA limit, one-unit home
$690,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$639

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 Luquillo Municipio.

Everything about Luquillo Municipio

Buying

Buying a home in Luquillo

A typical home in Luquillo is worth $132,900: 4% below the municipio and about the same as Puerto Rico. With the typical household income in Luquillo ($23,719 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.

  • Luquillo 5.6 years
  • Municipio 5.7 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 Luquillo Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

Luquillo next to Luquillo 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
  • Luquillo $132,900
  • Municipio $138,500
  • Puerto Rico $131,500
  • United States $332,700
Typical monthly rent
  • Luquillo $418
  • Municipio $504
  • Puerto Rico $578
  • United States $1,413
Typical yearly household income
  • Luquillo $23,719
  • Municipio $24,225
  • Puerto Rico $26,297
  • United States $80,734
See the full table
Luquillo next to Luquillo Municipio and Puerto Rico
Measure Luquillo Luquillo Municipio Puerto Rico U.S.
Typical home value $132,900 $138,500 $131,500 $332,700
Typical monthly rent $418 $504 $578 $1,413
Typical yearly household income $23,719 $24,225 $26,297 $80,734
Households that own their home 62% 69% 68% 65%
Renters with high rent for their income 55% 52% 51% 51%

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

For a typical $132,900 home in Luquillo, 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 Luquillo's rate.

  • FHA, 3.5% down $998a month

    Least cash to close
    Down payment
    $4,652
    Cash to close
    $8,639
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $59

  • Conventional, 5% down $974a month

    Down payment
    $6,645
    Cash to close
    $10,632
    Rate
    7.18%
    Mortgage insurance
    PMI · $63

  • Conventional, 20% down, no PMI $776a month

    Down payment
    $26,580
    Cash to close
    $30,567
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $898a month

    Down payment
    $19,935
    Cash to close
    $23,922
    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 Luquillo and for Luquillo 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 Luquillo Municipio

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

FEMA does not publish these numbers for Luquillo Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Luquillo

Typical rent in Luquillo is $418 a month: 17% below the municipio. In Luquillo, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Luquillo Municipio, by unit size. To pay the 2-bedroom one ($639 a month) without spending more than 30% of your income, you would need to earn $12.29 an hour working full time.

HUD fair market rent for all of Luquillo 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 $495 $9.52 $19,800
1 bedroom $498 $9.58 $19,920
2 bedrooms $639 $12.29 $25,560
3 bedrooms $782 $15.04 $31,280
4 bedrooms $843 $16.21 $33,720

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 Luquillo

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Luquillo is in ZIP code 00773.

For 2 bedrooms it is $730: $91 more than the fair market rent for Luquillo Municipio ($639).

  • 00773 $730$890

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

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

  • El Cemi 100 Res El Cemi, Luquillo 00773 150 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $138 a month · Average wait: 5 months (787) 759-9407
  • Diego Zalduondo 1 Res Diego Zalduondo, Luquillo 00773 110 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $159 a month · Average wait: 30 months (787) 759-9407
  • Yuquiyu II 300 Res Yukiyu, Luquillo 00773 70 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $138 a month · Average wait: 10 months (787) 759-9407
  • Playa Azul Calle A-17 Edificio 100, Luquillo 00773 34 low-income homes · For families (787) 889-3472
  • Playa Azul Apts PO Box 545, Luquillo 34 low-income homes · 2 bd: 18 · 3 bd: 16 · In service since 2000

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

Free help

Help to buy or rent in Luquillo

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

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Luquillo

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

The HUD-approved agencies closest to the center of Luquillo, 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 · 22 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 · 23 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 · 23 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 Luquillo

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 Luquillo

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

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

Cities

Nearby cities

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

Everything about Luquillo Municipio Housing in Puerto Rico

Neighboring counties

If Luquillo 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 Luquillo.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Luquillo

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

The typical home value in Luquillo is $132,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Luquillo Municipio it is $138,500.

How much does it cost to rent in Luquillo?

Typical rent in Luquillo is $418 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Luquillo Municipio is $639.

What is the FHA loan limit in Luquillo?

Luquillo uses the FHA limit for all of Luquillo 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 Luquillo?

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