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City · 107,805 residents · Ponce Municipio, Puerto Rico

Ponce , Puerto Rico

In Ponce, a typical home is worth $113,100 and typical rent is $536 a month. Home values, rent and income are very close to those of all of Ponce Municipio.

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  • Typical home value

    $113,100

    3% above the municipio

    14% below Puerto Rico

    • Ponce
    • Municipio
    • Puerto Rico

  • Typical rent

    $536a month

    About the same as the municipio

    7% below Puerto Rico

    • Ponce
    • Municipio
    • Puerto Rico

  • Typical household income

    $19,470a year

    2% below the municipio

    26% below Puerto Rico

    • Ponce
    • Municipio
    • Puerto Rico

  • Households that own their home

    65%

    2 points below the municipio

    3 points below Puerto Rico

    • Ponce
    • Municipio
    • Puerto Rico

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

Ponce is in Ponce 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 Ponce Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Ponce apart

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

  1. Nearby, in Santa Isabel, the typical rent is $327: 39% less than in Ponce ($536).

  2. Nearby, in Coamo, the typical home value is $90,800: 20% less than in Ponce ($113,100).

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

The homes here

Housing in Ponce

What homes there are in Ponce, 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 Ponce Municipio, most homes in Ponce are detached houses (68%).

Year built

In Ponce, half of the homes were built before 1975; in Ponce Municipio, before 1976.

By size, homes in Ponce look like those in Ponce Municipio: 71% have 3 bedrooms or more.

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

By price, most homes in Ponce sit under the FHA limit for Ponce Municipio ($541,287): about 99%.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Ponce Municipio is $573: about 51% of rents in Ponce are below it.

With a mortgage

$858 a month

Ponce Municipio: $837 a month

Without a mortgage

$193 a month

Ponce Municipio: $188 a month

Owners with a mortgage

28%

Ponce Municipio: 28%

In Ponce, 28% of owners have a mortgage; their typical cost is $858 a month, about the same as in Ponce Municipio.

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 Ponce with 2015–2019 because its boundaries changed. In Ponce Municipio, over that time, the typical home value rose 13%.

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

MeasurePoncePonce MunicipioPuerto RicoUnited States
Rental vacancy 4.0%3.8%5.1%5.5%
Homeowner vacancy 1.0%0.8%1.3%0.9%
More than one person per room 2.6%2.8%2.3%3.4%
People per household 2.272.312.482.53
Drive alone 84%85%83%69%
Carpool 7%6%6%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 2%2%3%3%
Work from home 6%6%6%15%
Other means 1%1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Open rentals in Ponce look like those in Ponce Municipio: the rental vacancy rate is 4.0%.

More than one person per room: that is how 2.6% of households in Ponce live, near the figure in Ponce Municipio (2.8%).

By size, households in Ponce look like those in Ponce Municipio: 2.27 people on average.

In Ponce, 84% of workers drive alone to work; in Ponce Municipio, 85%.

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 Ponce?

A typical home costs more than the typical income allows

We start with a typical home in Ponce, worth $113,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in Ponce, which is $19,470 a year. For that payment to be 28% of income, a household would need to earn about $38,829 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Ponce. 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 $3,959 (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

$906

at 7.18% · 30 years

Loan amount
$111,051
Total interest
$159,776
Paid off in
November 2056

Includes $1,910 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $454 a month

  • Tight

    $454 to $584 a month

  • Hard

    more than $584 a month

    Your payment · 56%

Compared with the typical household income in Ponce ($19,470 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$906
Principal & interest$752
Property tax$57
Home insurance$47
FHA mortgage insurance (MIP)$50

You need at least $3,959 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

Ponce and Ponce Municipio

Ponce is in Ponce 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).

Ponce's own numbers

Typical home value
$113,100
Typical monthly rent
$536
Typical yearly household income
$19,470
Households that own their home
65%
Effective property tax rate
0.6%

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

Numbers for all of Ponce Municipio

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$573

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 Ponce Municipio.

Everything about Ponce Municipio

Buying

Buying a home in Ponce

A typical home in Ponce is worth $113,100: 3% above the municipio and 14% below Puerto Rico. With the typical household income in Ponce ($19,470 a year), a typical home costs 5.8 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.

  • Ponce 5.8 years
  • Municipio 5.5 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 Ponce Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

Ponce next to Ponce 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
  • Ponce $113,100
  • Municipio $110,200
  • Puerto Rico $131,500
  • United States $332,700
Typical monthly rent
  • Ponce $536
  • Municipio $536
  • Puerto Rico $578
  • United States $1,413
Typical yearly household income
  • Ponce $19,470
  • Municipio $19,877
  • Puerto Rico $26,297
  • United States $80,734
See the full table
Ponce next to Ponce Municipio and Puerto Rico
Measure Ponce Ponce Municipio Puerto Rico U.S.
Typical home value $113,100 $110,200 $131,500 $332,700
Typical monthly rent $536 $536 $578 $1,413
Typical yearly household income $19,470 $19,877 $26,297 $80,734
Households that own their home 65% 67% 68% 65%
Typical yearly property tax $678 $655 $646 $3,119
Effective property tax rate 0.6% 0.59% 0.49% 0.94%
Renters with high rent for their income 57% 55% 51% 51%

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

For a typical $113,100 home in Ponce, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ponce's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $906a month

    Least cash to close
    Down payment
    $3,959
    Cash to close
    $7,352
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $50

  • Conventional, 5% down $885a month

    Down payment
    $5,655
    Cash to close
    $9,048
    Rate
    7.18%
    Mortgage insurance
    PMI · $54

  • Conventional, 20% down, no PMI $717a month

    Down payment
    $22,620
    Cash to close
    $26,013
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $821a month

    Down payment
    $16,965
    Cash to close
    $20,358
    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 Ponce and for Ponce Municipio.

Property tax

Effective rate in Ponce

0.6%of the home’s value each year

$678 a year for the typical owner in Ponce.

  • Ponce 0.6%
  • Municipio 0.59%
  • Puerto Rico 0.49%

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 Ponce Municipio

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

FEMA does not publish these numbers for Ponce Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Ponce

Typical rent in Ponce is $536 a month: about the same as the municipio. In Ponce, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Ponce Municipio, by unit size. To pay the 2-bedroom one ($573 a month) without spending more than 30% of your income, you would need to earn $11.02 an hour working full time.

HUD fair market rent for all of Ponce 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 $505 $9.71 $20,200
1 bedroom $526 $10.12 $21,040
2 bedrooms $573 $11.02 $22,920
3 bedrooms $793 $15.25 $31,720
4 bedrooms $889 $17.10 $35,560

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 Ponce

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ponce has 4 ZIP codes with their own.

For 2 bedrooms it runs from $520 in 00717 to $640 in 00716.

3 of the 4 are above the fair market rent for Ponce Municipio ($573).

  • 00716 $640$890
  • 00717 $520$720
  • 00728 $600$830
  • 00730 $580$800

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ponce 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 Ponce

HUD lists 40 buildings with rents for lower incomes in Ponce. These are the largest.

  • DR Pila Iglesias, Ponce 15 Res Dr Pila, Ponce 00716 586 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $96 a month · Average wait: 13 months (787) 759-9407
  • Aristides Chavier, Ponce 12 Rest Arstds Chavier, Ponce 00728 480 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $123 a month · Average wait: 7 months (787) 759-9407
  • DR Rafael Lopez Nussa 1 Res Lopez Nussa, Ponce 00717 404 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $120 a month · Average wait: 13 months (787) 759-9407
  • Lirios del Sur 10 Res Lirios Del Sur, Ponce 00716 400 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $106 a month · Average wait: 6 months (787) 759-9407
  • Ernesto Ramos Antonini 24 R E Ramos Antonini, Ponce 00716 350 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $128 a month · Average wait: 14 months (787) 759-9407

See all 40 buildings in Ponce Municipio Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Ponce

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.

There is 1 HUD-approved agency with an office in Ponce Municipio; none says it serves in Spanish.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Ponce

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

The HUD-approved agencies closest to the center of Ponce, 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 · 1 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 · 33 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 · 45 miles away · Spanish

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

Every agency in Ponce Municipio All counseling agencies in Puerto Rico

Help in Spanish near Ponce

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 Ponce

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

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

Cities

Nearby cities

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

Everything about Ponce Municipio Housing in Puerto Rico

Neighboring counties

If Ponce 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 Ponce.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Ponce

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

The typical home value in Ponce is $113,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ponce Municipio it is $110,200.

How much does it cost to rent in Ponce?

Typical rent in Ponce is $536 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ponce Municipio is $573.

What is the FHA loan limit in Ponce?

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

How much property tax do owners pay in Ponce?

The typical homeowner in Ponce pays $678 a year, according to the U.S. Census Bureau. That is 0.6% of the home’s value; in Ponce Municipio, the rate is 0.59%.

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

There is 1 HUD-approved counseling agency with an office in Ponce Municipio. 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).