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City · 5,731 residents · Quebradillas Municipio, Puerto Rico

Quebradillas , Puerto Rico

In Quebradillas, a typical home is worth $103,100. Compared with all of Quebradillas Municipio, the typical home value is 8% lower and the share of households that own their home is 18 points lower.

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  • Typical home value

    $103,100

    8% below the municipio

    22% below Puerto Rico

    • Quebradillas
    • Municipio
    • Puerto Rico

  • Households that own their home

    53%

    18 points below the municipio

    15 points below Puerto Rico

    • Quebradillas
    • Municipio
    • Puerto Rico

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

Quebradillas is in Quebradillas 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 Quebradillas Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Quebradillas apart

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

  1. 53% of households in Quebradillas own their home, against 71% in Quebradillas Municipio.

  2. 33% of households in Quebradillas have no internet at home (27% in Quebradillas Municipio).

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

The homes here

Housing in Quebradillas

What homes there are in Quebradillas, 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

In Quebradillas, 6 in 10 homes are single-family detached houses; in Quebradillas Municipio, 8.

Year built

The typical home in Quebradillas was built in 1979, 5 years before the typical one in Quebradillas Municipio.

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

At least 60% of rented homes in Quebradillas cost less than $500, below HUD's 2-bedroom fair market rent ($559).

With a mortgage

$750 a month

Quebradillas Municipio: $838 a month

Without a mortgage

$210 a month

Quebradillas Municipio: $188 a month

Owners with a mortgage

34%

Quebradillas Municipio: 27%

Owning costs less in Quebradillas: with a mortgage, the typical cost is $750 a month; in Quebradillas Municipio, $838. Without one, $210.

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 boundaries of Quebradillas changed since 2015–2019, so the Census does not compare its figures from then and now. In Quebradillas Municipio, the typical home value rose 10%.

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

MeasureQuebradillasQuebradillas 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 2.702.722.482.53
Drive alone 93%87%83%69%
Carpool Unreliable estimateUnreliable estimate6%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home Unreliable estimate11%6%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Quebradillas look like those in Quebradillas Municipio: 2.70 people on average.

To get to work, 93% of workers in Quebradillas drive alone; in Quebradillas Municipio, 87%.

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 Quebradillas?

The Census Bureau publishes no typical home value or typical household income for Quebradillas, so we don't measure how heavy the payment is. Enter your own numbers in the calculator. The calculator starts with the typical home value in Quebradillas: $103,100. The rate is Freddie Mac’s weekly average (7.18%, November 5, 2026); yours may be different. The FHA and conventional loan limits are those of all of Quebradillas Municipio. Change the price, the down payment or the loan type and see how your payment changes.

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

Your numbers

Local data
$

Starts at the typical home value in Quebradillas. 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 $3,609 (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

$774

at 7.18% · 30 years

Loan amount
$101,232
Total interest
$145,649
Paid off in
November 2056

Includes $1,741 FHA upfront mortgage insurance premium.

Does it fit the income?

Type your income to see which tier this payment lands in.

Show the result as
per month$774
Principal & interest$686
Property tax$0
Home insurance$43
FHA mortgage insurance (MIP)$46

You need at least $3,609 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

Quebradillas and Quebradillas Municipio

Quebradillas is in Quebradillas 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).

Quebradillas's own numbers

Typical home value
$103,100
Households that own their home
53%

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

Numbers for all of Quebradillas Municipio

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$559

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 Quebradillas Municipio.

Everything about Quebradillas Municipio

Buying

Buying a home in Quebradillas

A typical home in Quebradillas is worth $103,100: 8% below the municipio and 22% below Puerto Rico.

How prices have changed in Puerto Rico

FHFA publishes no annual price index in Quebradillas Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

Quebradillas next to Quebradillas 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
  • Quebradillas $103,100
  • Municipio $112,500
  • Puerto Rico $131,500
  • United States $332,700
See the full table
Quebradillas next to Quebradillas Municipio and Puerto Rico
Measure Quebradillas Quebradillas Municipio Puerto Rico U.S.
Typical home value $103,100 $112,500 $131,500 $332,700
Households that own their home 53% 71% 68% 65%

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

For a typical $103,100 home in Quebradillas, 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 Quebradillas's rate.

  • FHA, 3.5% down $774a month

    Least cash to close
    Down payment
    $3,609
    Cash to close
    $6,702
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $46

  • Conventional, 5% down $755a month

    Down payment
    $5,155
    Cash to close
    $8,248
    Rate
    7.18%
    Mortgage insurance
    PMI · $49

  • Conventional, 20% down, no PMI $602a month

    Down payment
    $20,620
    Cash to close
    $23,713
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $697a month

    Down payment
    $15,465
    Cash to close
    $18,558
    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 Quebradillas and for Quebradillas 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 Quebradillas Municipio

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

FEMA does not publish these numbers for Quebradillas Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Quebradillas

The Census Bureau publishes no typical rent for Quebradillas. Below are the fair market rents for Quebradillas Municipio.

HUD publishes a fair market rent for all of Quebradillas Municipio, by unit size. To pay the 2-bedroom one ($559 a month) without spending more than 30% of your income, you would need to earn $10.75 an hour working full time.

HUD fair market rent for all of Quebradillas 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 $482 $9.27 $19,280
1 bedroom $484 $9.31 $19,360
2 bedrooms $559 $10.75 $22,360
3 bedrooms $774 $14.88 $30,960
4 bedrooms $869 $16.71 $34,760

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 Quebradillas

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Quebradillas is in ZIP code 00678.

For 2 bedrooms it is $580: $21 more than the fair market rent for Quebradillas Municipio ($559).

  • 00678 $580$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 Quebradillas 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 Quebradillas

HUD lists 4 buildings with rents for lower incomes in Quebradillas. These are the largest.

  • Francisco Vigo Salas 1 Res Vigo Salas, Quebradillas 00678 100 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $131 a month · Average wait: 3 months (787) 759-9407
  • Guarionex 1 Res Guarionex, Quebradillas 00678 100 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $84 a month · Average wait: 6 months (787) 759-9407
  • Alturas de Quebradillas State Road 485 KM 0.8, Quebradillas 00678 75 low-income homes · For older adults (787) 895-1419
  • Jardines del Carmen CARMEN DE FILLO Street, Quebradillas 00678 52 low-income homes · For families (787) 895-4736

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

Free help

Help to buy or rent in Quebradillas

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

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Quebradillas

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

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

  • Corporacion Desarrollo Economico,vivienda y Salud

    68 Calle Puro Girau, Arecibo · 14 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 · 18 miles away · Spanish

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

  • Ponce Neighborhood Housing Services, Inc.

    57 Calle Mendez Vigo, Ponce · 38 miles away

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

All counseling agencies in Puerto Rico

Help in Spanish near Quebradillas

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 Quebradillas

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

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

Cities

Nearby cities

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

Everything about Quebradillas Municipio Housing in Puerto Rico

Neighboring counties

If Quebradillas 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 Quebradillas.

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

Questions

Housing questions about Quebradillas

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

The typical home value in Quebradillas is $103,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Quebradillas Municipio it is $112,500.

What is the FHA loan limit in Quebradillas?

Quebradillas uses the FHA limit for all of Quebradillas 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 Quebradillas?

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