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City · 8,059 residents · Toa Baja Municipio, Puerto Rico

Sabana Seca , Puerto Rico

In Sabana Seca, a typical home is worth $124,000 and typical rent is $580 a month. Compared with all of Toa Baja Municipio, typical household income is 22% lower and typical rent is 19% lower.

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  • Typical home value

    $124,000

    17% below the municipio

    6% below Puerto Rico

    • Sabana Seca
    • Toa Baja
    • Puerto Rico

  • Typical rent

    $580a month

    19% below the municipio

    About the same as Puerto Rico

    • Sabana Seca
    • Toa Baja
    • Puerto Rico

  • Typical household income

    $25,083a year

    22% below the municipio

    5% below Puerto Rico

    • Sabana Seca
    • Toa Baja
    • Puerto Rico

  • Households that own their home

    65%

    4 points below the municipio

    3 points below Puerto Rico

    • Sabana Seca
    • Toa Baja
    • Puerto Rico

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

Sabana Seca is in Toa Baja 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 Baja Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Sabana Seca apart

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

  1. The typical household income in Sabana Seca is $25,083, 22% less than in Toa Baja Municipio as a whole ($32,017).

  2. The typical rent in Sabana Seca is $580 a month, 19% less than in Toa Baja Municipio as a whole ($713).

  3. The typical home in Sabana Seca is worth $124,000, 17% less than in Toa Baja Municipio as a whole ($148,900).

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

The homes here

Housing in Sabana Seca

What homes there are in Sabana Seca, 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 Sabana Seca, 6 in 10 homes are single-family detached houses, about the same as in Toa Baja Municipio.

Year built

The typical home in Sabana Seca was built in 1972, 5 years before the typical one in Toa Baja 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

With a mortgage

$696 a month

Toa Baja Municipio: $959 a month

Without a mortgage

$208 a month

Toa Baja Municipio: $197 a month

Owners with a mortgage

25%

Toa Baja Municipio: 43%

The typical cost for an owner with a mortgage in Sabana Seca is $696 a month, less than in Toa Baja Municipio ($959); without one, $208.

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 Sabana Seca rose 28%; in Toa Baja Municipio, it rose 22%.

Since 2015–2019, the typical rent in Sabana Seca did not change clearly, according to the Census.

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

MeasureSabana SecaToa Baja MunicipioPuerto RicoUnited States
Rental vacancy Unreliable estimate4.2%5.1%5.5%
Homeowner vacancy Unreliable estimate2.0%1.3%0.9%
More than one person per room Unreliable estimate2.0%2.3%3.4%
People per household 2.432.422.482.53
Drive alone 72%72%83%69%
Carpool Unreliable estimate10%6%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%3%3%
Work from home Unreliable estimate9%6%15%
Other means Unreliable estimate6%2%2%
Typical commute 20 to 29 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

A household in Sabana Seca has 2.43 people on average, about the same as in Toa Baja Municipio (2.42).

The car rules in Sabana Seca: 72% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Sabana Seca?

A typical home costs more than the typical income allows

We start with a typical home in Sabana Seca, worth $124,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Sabana Seca, which is $25,083 a year. For that payment to be 28% of income, a household would need to earn about $39,914 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Sabana Seca. 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 $4,340 (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

$985

at 7.18% · 30 years

Loan amount
$121,754
Total interest
$175,176
Paid off in
November 2056

Includes $2,094 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $585 a month

  • Tight

    $585 to $752 a month

  • Hard

    more than $752 a month

    Your payment · 47%

Compared with the typical household income in Sabana Seca ($25,083 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$985
Principal & interest$825
Property tax$54
Home insurance$52
FHA mortgage insurance (MIP)$55

You need at least $4,340 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

Sabana Seca and Toa Baja Municipio

Sabana Seca is in Toa Baja 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).

Sabana Seca's own numbers

Typical home value
$124,000
Typical monthly rent
$580
Typical yearly household income
$25,083
Households that own their home
65%

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

Numbers for all of Toa Baja 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 Baja Municipio.

Everything about Toa Baja Municipio

Buying

Buying a home in Sabana Seca

A typical home in Sabana Seca is worth $124,000: 17% below the municipio and 6% below Puerto Rico. With the typical household income in Sabana Seca ($25,083 a year), a typical home costs 4.9 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.

  • Sabana Seca 4.9 years
  • Toa Baja 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 Baja Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

Sabana Seca next to Toa Baja 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
  • Sabana Seca $124,000
  • Toa Baja $148,900
  • Puerto Rico $131,500
  • United States $332,700
Typical monthly rent
  • Sabana Seca $580
  • Toa Baja $713
  • Puerto Rico $578
  • United States $1,413
Typical yearly household income
  • Sabana Seca $25,083
  • Toa Baja $32,017
  • Puerto Rico $26,297
  • United States $80,734
See the full table
Sabana Seca next to Toa Baja Municipio and Puerto Rico
Measure Sabana Seca Toa Baja Municipio Puerto Rico U.S.
Typical home value $124,000 $148,900 $131,500 $332,700
Typical monthly rent $580 $713 $578 $1,413
Typical yearly household income $25,083 $32,017 $26,297 $80,734
Households that own their home 65% 69% 68% 65%

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

For a typical $124,000 home in Sabana Seca, 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 Sabana Seca's rate.

  • FHA, 3.5% down $931a month

    Least cash to close
    Down payment
    $4,340
    Cash to close
    $8,060
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $55

  • Conventional, 5% down $909a month

    Down payment
    $6,200
    Cash to close
    $9,920
    Rate
    7.18%
    Mortgage insurance
    PMI · $59

  • Conventional, 20% down, no PMI $724a month

    Down payment
    $24,800
    Cash to close
    $28,520
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $838a month

    Down payment
    $18,600
    Cash to close
    $22,320
    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 Sabana Seca and for Toa Baja 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 Baja Municipio

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

FEMA does not publish these numbers for Toa Baja Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Sabana Seca

Typical rent in Sabana Seca is $580 a month: 19% below the municipio.

HUD publishes a fair market rent for all of Toa Baja 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 Baja 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 Sabana Seca

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sabana Seca is in ZIP code 00952.

For 2 bedrooms it is $750: $44 more than the fair market rent for Toa Baja Municipio ($706).

  • 00952 $750$980

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

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

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

HUD counseling is free or low-cost

Assistance programs in Sabana Seca

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

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

  • Puerto Rico Neighborhood Housing Services, Corp.

    274 Calle Canals St., San Juan · 7 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 · 8 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (787) 722-8835

  • Greenpath Financial Wellness - San Juan Branch

    1607 Ave Ponce De Leon, San Juan · 8 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (888) 279-8273

All counseling agencies in Puerto Rico

Help in Spanish near Sabana Seca

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 Sabana Seca

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

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

Cities

Other cities in Toa Baja Municipio

These cities are also in Toa Baja Municipio. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Toa Baja Municipio Housing in Puerto Rico

Nearby cities

The cities closest to Sabana Seca, with the typical home value.

Neighboring counties

If Toa Baja 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 Sabana Seca.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Sabana Seca

Short answers with the numbers for Sabana Seca and all of Toa Baja 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 Sabana Seca?

The typical home value in Sabana Seca is $124,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Toa Baja Municipio it is $148,900.

How much does it cost to rent in Sabana Seca?

Typical rent in Sabana Seca is $580 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Toa Baja Municipio is $706.

What is the FHA loan limit in Sabana Seca?

Sabana Seca uses the FHA limit for all of Toa Baja 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 Sabana Seca?

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