City · 10,231 residents · Manatí Municipio, Puerto Rico
Manatí, Puerto Rico
In Manatí, a typical home is worth $109,200 and typical rent is $429 a month. Compared with all of Manatí Municipio, typical household income is 26% lower, typical rent is 20% lower, and the share of households that own their home is 16 points lower.
Manatí is in Manatí 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 Manatí Municipio. See the county
What this place has that others do not, from public data, most unusual first.
1
59% of households in Manatí own their home, against 75% in Manatí Municipio.
2
The typical household income in Manatí is $16,771,26% less than in Manatí Municipio as a whole ($22,683).
3
The typical rent in Manatí is $429 a month, 20% less than in Manatí Municipio as a whole ($538).
4
38% of households in Manatí have no internet at home (29% in Manatí Municipio).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Manatí
What homes there are in Manatí, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Manatí
Manatí Municipio
Puerto Rico
United States
Kind of home: Manatí and its comparisons
Measure
Manatí
Manatí Municipio
Puerto Rico
United States
Detached house
61%
76%
68%
61%
Attached house
17%
11%
12%
6%
Building of 2 to 4
6%
4%
6%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
14%
19%
Mobile home
Unreliable estimate
Unreliable estimate
0%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
Unreliable estimate
0%
Detached houses are the majority in Manatí (61%), but less so than in Manatí Municipio (76%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Manatí
Manatí Municipio
Puerto Rico
United States
Year built: Manatí and its comparisons
Measure
Manatí
Manatí Municipio
Puerto Rico
United States
Before 1960
14%
9%
14%
26%
1960–1979
68%
54%
39%
24%
1980–1999
13%
24%
31%
25%
2000–2009
Unreliable estimate
10%
13%
14%
2010 or later
Unreliable estimate
2%
3%
11%
The typical home in Manatí was built in 1971, 4 years before the typical one in Manatí Municipio.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K43%
$100K–$200K50%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Manatí and its comparisons
Measure
Manatí
Under $100K
43%
$100K–$200K
50%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50059%
$500–$99941%
HUD fair market rent, 2 bedrooms: $706
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Manatí and its comparisons
Measure
Manatí
Under $500
59%
$500–$999
41%
$1,000–$1,499
Unreliable
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
By rent, most homes in Manatí cost less than HUD's 2-bedroom fair market rent ($706): about 75%.
With a mortgage
$849 a month
Manatí Municipio: $896 a month
Without a mortgage
$156 a month
Manatí Municipio: $160 a month
Owners with a mortgage
33%
Manatí Municipio: 34%
Owning costs less in Manatí: with a mortgage, the typical cost is $849 a month; in Manatí Municipio, $896. Without one, $156.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
ManatíNo clear change
Manatí Municipio+14%
Puerto Rico+18%
United States+53%
Typical rent
ManatíNo clear change
Manatí MunicipioNo clear change
Puerto Rico+21%
United States+33%
Typical household income
ManatíNo clear change
Manatí Municipio+23%
Puerto Rico+28%
United States+29%
Change since 2015–2019: Manatí and its comparisons
Measure
Manatí
Manatí Municipio
Puerto Rico
United States
Typical home value
No clear change
+14%
+18%
+53%
Typical rent
No clear change
No clear change
+21%
+33%
Typical household income
No clear change
+23%
+28%
+29%
The typical home value in Manatí stayed about the same since 2015–2019: the Census sees no clear change.
Since 2015–2019, the typical rent in Manatí did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Manatí and its comparisons
Measure
Manatí
Manatí Municipio
Puerto Rico
United States
Rental vacancy
9.6%
7.9%
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.3%
0.9%
More than one person per room
Unreliable estimate
3.2%
2.3%
3.4%
People per household
2.16
2.49
2.48
2.53
Drive alone
88%
88%
83%
69%
Carpool
Unreliable estimate
Unreliable estimate
6%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
4%
3%
3%
Work from home
Unreliable estimate
Unreliable estimate
6%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
The rental vacancy rate in Manatí is 9.6%, higher than in Manatí Municipio (7.9%).
On average, a household in Manatí has 2.16 people, fewer than in Manatí Municipio (2.49).
To get to work, 88% of workers in Manatí drive alone; in Manatí Municipio, 88%.
Do the math
What would you pay each month for a home in Manatí?
A typical home costs more than the typical income allows
We start with a typical home in Manatí, worth $109,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 59% of the typical household income in Manatí, which is $16,771 a year. For that payment to be 28% of income, a household would need to earn about $35,150 a year.
The calculator's FHA and conventional loan limits are those of all of Manatí Municipio.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Manatí. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $3,822 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$847
at 7.18% · 30 years
Loan amount
$107,222
Total interest
$154,267
Paid off in
November 2056
Includes $1,844 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $391 a month
Tight
$391 to $503 a month
Hard
more than $503 a month
Your payment · 61%
Compared with the typical household income in Manatí ($16,771 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$726
Property tax
$27
Home insurance
$46
FHA mortgage insurance (MIP)
$48
You need at least $3,822 for the down payment, plus closing costs.
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.
Total monthly payment $847; principal and interest $726.
The city and its county
Manatí and Manatí Municipio
Manatí is in Manatí 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).
Manatí
Map of Manatí Municipio, Puerto Rico, with Manatí marked. Around it, the neighboring counties.
Manatí
Manatí Municipio
Other cities with a page
Manatí's own numbers
Typical home value
$109,200
Typical monthly rent
$429
Typical yearly household income
$16,771
Households that own their home
59%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Manatí 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 Manatí Municipio.
A typical home in Manatí is worth $109,200: 9% below the municipio and 17% below Puerto Rico. With the typical household income in Manatí ($16,771 a year), a typical home costs 6.5 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.
Manatí6.5 years
Municipio5.3 years
Puerto Rico5.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Puerto Rico
FHFA publishes no annual price index in Manatí Municipio. That usually happens when there are too few sales to measure it.
Data not available for this place
Manatí next to Manatí 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
Manatí$109,200
Municipio$120,500
Puerto Rico$131,500
United States$332,700
Typical monthly rent
Manatí$429
Municipio$538
Puerto Rico$578
United States$1,413
Typical yearly household income
Manatí$16,771
Municipio$22,683
Puerto Rico$26,297
United States$80,734
See the full table
Manatí next to Manatí Municipio and Puerto Rico
Measure
Manatí
Manatí Municipio
Puerto Rico
U.S.
Typical home value
$109,200 ▼9% below the municipio
$120,500
$131,500
$332,700
Typical monthly rent
$429 ▼20% below the municipio
$538
$578
$1,413
Typical yearly household income
$16,771 ▼26% below the municipio
$22,683
$26,297
$80,734
Households that own their home
59% ▼16 points below the municipio
75%
68%
65%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Manatí 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 Manatí
For a typical $109,200 home in Manatí, 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 Manatí's rate.
FHA, 3.5% down$820a month
Least cash to close
Down payment
$3,822
Cash to close
$7,098
Rate
7.18%
Mortgage insurance
FHA MIP · $48
Conventional, 5% down$800a month
Down payment
$5,460
Cash to close
$8,736
Rate
7.18%
Mortgage insurance
PMI · $52
Conventional, 20% down, no PMI$637a month
Down payment
$21,840
Cash to close
$25,116
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$738a month
Down payment
$16,380
Cash to close
$19,656
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Manatí
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$820
$3,822
$107,222
7.18%
FHA MIP · $48
$7,098
580
Conventional, 5% down
$800
$5,460
$103,740
7.18%
PMI · $52
$8,736
620*
Conventional, 20% down, no PMI
$637
$21,840
$87,360
7.18%
None
$25,116
620*
ITIN, 15% down (example)
$738
$16,380
$92,820
8.18%
None
$19,656
Set by the lender
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.
Typical rent in Manatí is $429 a month: 20% below the municipio.
HUD publishes a fair market rent for all of Manatí 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Manatí Municipio (Fiscal year 2027)
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 Manatí
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Manatí is in ZIP code 00674.
For 2 bedrooms it is $600: $106 less than the fair market rent for Manatí Municipio ($706).
Fair market rent by ZIP code and size in Manatí, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
00674
$510
$520
$600
$790
$950
ZIP code2 bd3 bd
00674 $600$790
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Manatí 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 8 buildings with rents for lower incomes in Manatí. These are the largest.
Enrique Zorrilla100 Res Zorrilla, Manati 00674280 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $114 a month · Average wait: 5 months(787) 759-9407
Los Murales7 Res Los Murales, Manati 00674214 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $123 a month · Average wait: 4 months(787) 759-9407
Brisas de Campo Alegre100 Brisas Cmpo Algre, Manati 00674149 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $90 a month · Average wait: 3 months(787) 759-9407
Vivameri Apartments1 Calle 16, Manati 00674144 homes, 142 low-income · Run by Puerto Rico Public Housing Administration · Average payment: $97 a month · Average wait: 6 months(787) 759-9407
Manati Plaza AptsST.RD No 2.km 48.5 RD, Manati 00674100 low-income homes · For families(787) 884-2556
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 Manatí Municipio. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Manatí or Manatí Municipio. The ones below are statewide in Puerto Rico: they work in Manatí the same as in the rest of the state.
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).
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).
No legal help resource on our list is for Manatí or Manatí Municipio in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Manatí and all of Manatí 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 Manatí?
The typical home value in Manatí is $109,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Manatí Municipio it is $120,500.
How much does it cost to rent in Manatí?
Typical rent in Manatí is $429 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Manatí Municipio is $706.
What is the FHA loan limit in Manatí?
Manatí uses the FHA limit for all of Manatí 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 Manatí?
We found no HUD-approved counseling agencies with an office in Manatí Municipio; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
