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City · 10,132 residents · Toa Alta Municipio, Puerto Rico

Pájaros , Puerto Rico

In Pájaros, a typical home is worth $134,100. Compared with all of Toa Alta Municipio, the typical home value is 18% lower.

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  • Typical home value

    $134,100

    18% below the municipio

    About the same as Puerto Rico

    • Pájaros
    • Toa Alta
    • Puerto Rico

  • Typical household income

    $36,064a year

    2% above the municipio

    37% above Puerto Rico

    • Pájaros
    • Toa Alta
    • Puerto Rico

  • Households that own their home

    77%

    4 points below the municipio

    9 points above Puerto Rico

    • Pájaros
    • Toa Alta
    • Puerto Rico

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

Pájaros is in Toa Alta 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 Toa Alta Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Pájaros apart

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

  1. Pájaros has the 3rd highest homeownership rate of the 54 cities in Puerto Rico with more than 5,000 people (77%).

  2. The typical home in Pájaros is worth $134,100, 18% less than in Toa Alta Municipio as a whole ($163,900).

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

The homes here

Housing in Pájaros

What homes there are in Pájaros, 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 Pájaros, but it weighs less than in Toa Alta Municipio: 76% against 80%.

Year built

Homes in Pájaros are older: the typical year built is 1987; in Toa Alta Municipio, 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

With a mortgage

$1,094 a month

Toa Alta Municipio: $1,168 a month

Without a mortgage

$266 a month

Toa Alta Municipio: $222 a month

Owners with a mortgage

52%

Toa Alta Municipio: 51%

Owning costs less in Pájaros: with a mortgage, the typical cost is $1,094 a month; in Toa Alta Municipio, $1,168. Without one, $266.

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

From 2015–2019 to 2020–2024, the typical home value in Pájaros rose 11%; in Toa Alta Municipio, it rose 23%.

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

MeasurePájarosToa Alta MunicipioPuerto RicoUnited States
Rental vacancy Unreliable estimate2.9%5.1%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 2.862.742.482.53
Drive alone 91%86%83%69%
Carpool Unreliable estimate6%6%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home Unreliable estimate6%6%15%
Other means Unreliable estimate3%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

Much as in Toa Alta Municipio, a household in Pájaros has 2.86 people on average.

To get to work, 91% of workers in Pájaros drive alone; in Toa Alta Municipio, 86%.

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 Pájaros?

A typical home is tight for the typical income

We start with a typical home in Pájaros, worth $134,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Pájaros, which is $36,064 a year. For that payment to be 28% of income, a household would need to earn about $43,165 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Pájaros. 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 $4,694 (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

$1,042

at 7.18% · 30 years

Loan amount
$131,671
Total interest
$189,443
Paid off in
November 2056

Includes $2,265 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $841 a month

  • Tight

    $841 to $1,082 a month

    Your payment · 35%

  • Hard

    more than $1,082 a month

Compared with the typical household income in Pájaros ($36,064 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,042
Principal & interest$892
Property tax$35
Home insurance$56
FHA mortgage insurance (MIP)$59

You need at least $4,694 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

Pájaros and Toa Alta Municipio

Pájaros is in Toa Alta 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).

Pájaros's own numbers

Typical home value
$134,100
Typical yearly household income
$36,064
Households that own their home
77%

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

Numbers for all of Toa Alta 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 Toa Alta Municipio.

Everything about Toa Alta Municipio

Buying

Buying a home in Pájaros

A typical home in Pájaros is worth $134,100: 18% below the municipio and about the same as Puerto Rico. With the typical household income in Pájaros ($36,064 a year), a typical home costs 3.7 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.

  • Pájaros 3.7 years
  • Toa Alta 4.7 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 Toa Alta Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

Pájaros next to Toa Alta 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
  • Pájaros $134,100
  • Toa Alta $163,900
  • Puerto Rico $131,500
  • United States $332,700
Typical yearly household income
  • Pájaros $36,064
  • Toa Alta $35,241
  • Puerto Rico $26,297
  • United States $80,734
See the full table
Pájaros next to Toa Alta Municipio and Puerto Rico
Measure Pájaros Toa Alta Municipio Puerto Rico U.S.
Typical home value $134,100 $163,900 $131,500 $332,700
Typical yearly household income $36,064 $35,241 $26,297 $80,734
Households that own their home 77% 81% 68% 65%
Renters with high rent for their income 55% 61% 51% 51%

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

For a typical $134,100 home in Pájaros, 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 Pájaros's rate.

  • FHA, 3.5% down $1,007a month

    Least cash to close
    Down payment
    $4,694
    Cash to close
    $8,717
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $59

  • Conventional, 5% down $983a month

    Down payment
    $6,705
    Cash to close
    $10,728
    Rate
    7.18%
    Mortgage insurance
    PMI · $64

  • Conventional, 20% down, no PMI $783a month

    Down payment
    $26,820
    Cash to close
    $30,843
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $907a month

    Down payment
    $20,115
    Cash to close
    $24,138
    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 Pájaros and for Toa Alta 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 Toa Alta Municipio

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

FEMA does not publish these numbers for Toa Alta Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Pájaros

The Census Bureau publishes no typical rent for Pájaros. Below are the fair market rents for Toa Alta Municipio. In Pájaros, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Toa Alta 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 Toa Alta 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 Pájaros

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pájaros is in ZIP code 00953.

For 2 bedrooms it is $760: $54 more than the fair market rent for Toa Alta Municipio ($706).

  • 00953 $760$990

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

Free help

Help to buy or rent in Pájaros

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

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Pájaros

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

The HUD-approved agencies closest to the center of Pájaros, 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 · 11 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (787) 296-1785

  • Puerto Rico Neighborhood Housing Services, Corp.

    274 Calle Canals St., San Juan · 11 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (787) 721-8920

  • CCCS of Puerto Rico

    1607 Avenue Ponce de Leon, Santurce · 12 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 Pájaros

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 Pájaros

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

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

Cities

Nearby cities

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

Everything about Toa Alta Municipio Housing in Puerto Rico

Neighboring counties

If Toa Alta 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 Pájaros.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Pájaros

Short answers with the numbers for Pájaros and all of Toa Alta 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 Pájaros?

The typical home value in Pájaros is $134,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Toa Alta Municipio it is $163,900.

What is the FHA loan limit in Pájaros?

Pájaros uses the FHA limit for all of Toa Alta 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 Pájaros?

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