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City · 5,208 residents · Peñuelas Municipio, Puerto Rico

Peñuelas , Puerto Rico

In Peñuelas, a typical home is worth $98,100 and typical rent is $576 a month. Compared with all of Peñuelas Municipio, typical household income is 30% higher and typical rent is 18% higher.

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  • Typical home value

    $98,100

    9% above the municipio

    25% below Puerto Rico

    • Peñuelas
    • Municipio
    • Puerto Rico

  • Typical rent

    $576a month

    18% above the municipio

    About the same as Puerto Rico

    • Peñuelas
    • Municipio
    • Puerto Rico

  • Typical household income

    $29,574a year

    30% above the municipio

    12% above Puerto Rico

    • Peñuelas
    • Municipio
    • Puerto Rico

  • Households that own their home

    68%

    2 points below the municipio

    About the same as Puerto Rico

    • Peñuelas
    • Municipio
    • Puerto Rico

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

Peñuelas is in Peñuelas Municipio. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Peñuelas Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Peñuelas apart

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

  1. Nearby, in Guánica, the typical rent is $298: 48% less than in Peñuelas ($576).

  2. The typical household income in Peñuelas is $29,574, 30% more than in Peñuelas Municipio as a whole ($22,697).

  3. Nearby, in Guánica, the typical home value is $82,200: 16% less than in Peñuelas ($98,100).

  4. The typical rent in Peñuelas is $576 a month, 18% more than in Peñuelas Municipio as a whole ($489).

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

The homes here

Housing in Peñuelas

What homes there are in Peñuelas, 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 Peñuelas, but it weighs less than in Peñuelas Municipio: 82% against 86%.

Year built

In Peñuelas, half of the homes were built before 1981; in Peñuelas Municipio, before 1983.

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 47% of rented homes in Peñuelas cost less than HUD's 2-bedroom fair market rent for Peñuelas Municipio ($535); the rest cost more.

With a mortgage

$786 a month

Peñuelas Municipio: $793 a month

Without a mortgage

$166 a month

Peñuelas Municipio: $167 a month

Owners with a mortgage

40%

Peñuelas Municipio: 29%

Owning costs about the same in Peñuelas as in Peñuelas Municipio: with a mortgage, $786 a month; without one, $166.

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

Much as in Peñuelas Municipio, the typical home value in Peñuelas rose 18% since 2015–2019.

The typical rent in Peñuelas stayed about the same over that time: the difference is within the Census margin of error.

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

MeasurePeñuelasPeñuelas 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 2.782.832.482.53
Drive alone 89%90%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 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Peñuelas Municipio, a household in Peñuelas has 2.78 people on average.

In Peñuelas, 89% of workers drive alone to work; in Peñuelas Municipio, 90%.

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 Peñuelas?

A typical home is tight for the typical income

We start with a typical home in Peñuelas, worth $98,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Peñuelas, which is $29,574 a year. For that payment to be 28% of income, a household would need to earn about $31,577 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Peñuelas. 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 $3,434 (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

$737

at 7.18% · 30 years

Loan amount
$96,323
Total interest
$138,586
Paid off in
November 2056

Includes $1,657 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $690 a month

  • Tight

    $690 to $887 a month

    Your payment · 30%

  • Hard

    more than $887 a month

Compared with the typical household income in Peñuelas ($29,574 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$737
Principal & interest$653
Property tax$0
Home insurance$41
FHA mortgage insurance (MIP)$43

You need at least $3,434 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

Peñuelas and Peñuelas Municipio

Peñuelas is in Peñuelas 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).

Peñuelas's own numbers

Typical home value
$98,100
Typical monthly rent
$576
Typical yearly household income
$29,574
Households that own their home
68%

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

Numbers for all of Peñuelas Municipio

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$535

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 Peñuelas Municipio.

Everything about Peñuelas Municipio

Buying

Buying a home in Peñuelas

A typical home in Peñuelas is worth $98,100: 9% above the municipio and 25% below Puerto Rico. With the typical household income in Peñuelas ($29,574 a year), a typical home costs 3.3 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.

  • Peñuelas 3.3 years
  • Municipio 3.9 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 Peñuelas Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

Peñuelas next to Peñuelas 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
  • Peñuelas $98,100
  • Municipio $89,600
  • Puerto Rico $131,500
  • United States $332,700
Typical monthly rent
  • Peñuelas $576
  • Municipio $489
  • Puerto Rico $578
  • United States $1,413
Typical yearly household income
  • Peñuelas $29,574
  • Municipio $22,697
  • Puerto Rico $26,297
  • United States $80,734
See the full table
Peñuelas next to Peñuelas Municipio and Puerto Rico
Measure Peñuelas Peñuelas Municipio Puerto Rico U.S.
Typical home value $98,100 $89,600 $131,500 $332,700
Typical monthly rent $576 $489 $578 $1,413
Typical yearly household income $29,574 $22,697 $26,297 $80,734
Households that own their home 68% 70% 68% 65%

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

For a typical $98,100 home in Peñuelas, 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 Peñuelas's rate.

  • FHA, 3.5% down $737a month

    Least cash to close
    Down payment
    $3,434
    Cash to close
    $6,377
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $43

  • Conventional, 5% down $719a month

    Down payment
    $4,905
    Cash to close
    $7,848
    Rate
    7.18%
    Mortgage insurance
    PMI · $47

  • Conventional, 20% down, no PMI $573a month

    Down payment
    $19,620
    Cash to close
    $22,563
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $663a month

    Down payment
    $14,715
    Cash to close
    $17,658
    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 Peñuelas and for Peñuelas 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 Peñuelas Municipio

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

FEMA does not publish these numbers for Peñuelas Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Peñuelas

Typical rent in Peñuelas is $576 a month: 18% above the municipio.

HUD publishes a fair market rent for all of Peñuelas Municipio, by unit size. To pay the 2-bedroom one ($535 a month) without spending more than 30% of your income, you would need to earn $10.29 an hour working full time.

HUD fair market rent for all of Peñuelas 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 $472 $9.08 $18,880
1 bedroom $473 $9.10 $18,920
2 bedrooms $535 $10.29 $21,400
3 bedrooms $741 $14.25 $29,640
4 bedrooms $816 $15.69 $32,640

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 Peñuelas

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Peñuelas is in ZIP code 00624.

For 2 bedrooms it is $560: $25 more than the fair market rent for Peñuelas Municipio ($535).

  • 00624 $560$770

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

HUD lists 2 buildings with rents for lower incomes in Peñuelas. These are the largest.

  • Alturas de Penuelas II Alturas de Penuelas II, Penuelas 00624 88 low-income homes · For families (787) 836-1995
  • Los Flamboyanes 653 Calle Pedro V Diaz, Penuelas 00624 70 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $133 a month (787) 759-9407

See all 2 buildings in Peñuelas Municipio Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Peñuelas

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

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Peñuelas

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

The HUD-approved agencies closest to the center of Peñuelas, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Ponce Neighborhood Housing Services, Inc.

    57 Calle Mendez Vigo, Ponce · 8 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (787) 841-5055

  • Corporacion Desarrollo Economico,vivienda y Salud

    68 Calle Puro Girau, Arecibo · 28 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (787) 879-3300

  • Centro de Apoyo Familiar (CAF) PR

    92 Calle La Paz, Aguada · 38 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (301) 328-3292

All counseling agencies in Puerto Rico

Help in Spanish near Peñuelas

2 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 Peñuelas

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

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

Cities

Nearby cities

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

Everything about Peñuelas Municipio Housing in Puerto Rico

Neighboring counties

If Peñuelas 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 Peñuelas.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Peñuelas

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

The typical home value in Peñuelas is $98,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Peñuelas Municipio it is $89,600.

How much does it cost to rent in Peñuelas?

Typical rent in Peñuelas is $576 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Peñuelas Municipio is $535.

What is the FHA loan limit in Peñuelas?

Peñuelas uses the FHA limit for all of Peñuelas Municipio (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

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

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