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City · 10,747 residents · San Germán Municipio, Puerto Rico

San Germán , Puerto Rico

In San Germán, a typical home is worth $123,700 and typical rent is $395 a month. Compared with all of San Germán Municipio, typical rent is 18% lower, the typical home value is 11% higher, and the share of households that own their home is 10 points lower.

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  • Typical home value

    $123,700

    11% above the municipio

    6% below Puerto Rico

    • San Germán
    • Municipio
    • Puerto Rico

  • Typical rent

    $395a month

    18% below the municipio

    32% below Puerto Rico

    • San Germán
    • Municipio
    • Puerto Rico

  • Typical household income

    $16,469a year

    10% below the municipio

    37% below Puerto Rico

    • San Germán
    • Municipio
    • Puerto Rico

  • Households that own their home

    55%

    10 points below the municipio

    13 points below Puerto Rico

    • San Germán
    • Municipio
    • Puerto Rico

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

San Germán is in San Germán 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 San Germán Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets San Germán apart

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

  1. San Germán has the 4th lowest typical rent of the 50 cities in Puerto Rico with more than 5,000 people ($395).

  2. 55% of households in San Germán own their home, against 65% in San Germán Municipio.

  3. San Germán has the 5th lowest typical household income of the 52 cities in Puerto Rico with more than 5,000 people ($16,469).

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

The homes here

Housing in San Germán

What homes there are in San Germán, 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 San Germán, but it weighs less than in San Germán Municipio: 58% against 73%.

Year built

In San Germán, half of the homes were built before 1974; in San Germán Municipio, before 1978.

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 75% of rented homes in San Germán cost less than HUD's 2-bedroom fair market rent for San Germán Municipio ($581).

With a mortgage

$825 a month

San Germán Municipio: $823 a month

Without a mortgage

$141 a month

San Germán Municipio: $129 a month

Owners with a mortgage

30%

San Germán Municipio: 24%

Owning costs about the same in San Germán as in San Germán Municipio: with a mortgage, $825 a month; without one, $141.

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, home values in San Germán rose at about the same pace as in San Germán Municipio: 34% against 35%.

Rent in San Germán moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureSan GermánSan Germán 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 2.492.612.482.53
Drive alone 82%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 estimateUnreliable estimate6%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in San Germán has 2.49 people on average, about the same as in San Germán Municipio (2.61).

To get to work, 82% of workers in San Germán drive alone; in San Germán 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 San Germán?

A typical home costs more than the typical income allows

We start with a typical home in San Germán, worth $123,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 72% of the typical household income in San Germán, which is $16,469 a year. For that payment to be 28% of income, a household would need to earn about $42,203 a year.

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

Your numbers

Local data
$

Starts at the typical home value in San Germán. 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 $4,330 (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
$121,459
Total interest
$174,751
Paid off in
November 2056

Includes $2,089 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $384 a month

  • Tight

    $384 to $494 a month

  • Hard

    more than $494 a month

    Your payment · 72%

Compared with the typical household income in San Germán ($16,469 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$823
Property tax$56
Home insurance$52
FHA mortgage insurance (MIP)$55

You need at least $4,330 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

San Germán and San Germán Municipio

San Germán is in San Germán 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).

San Germán's own numbers

Typical home value
$123,700
Typical monthly rent
$395
Typical yearly household income
$16,469
Households that own their home
55%
Effective property tax rate
0.54%

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

Numbers for all of San Germán Municipio

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$581

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 San Germán Municipio.

Everything about San Germán Municipio

Buying

Buying a home in San Germán

A typical home in San Germán is worth $123,700: 11% above the municipio and 6% below Puerto Rico. With the typical household income in San Germán ($16,469 a year), a typical home costs 7.5 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.

  • San Germán 7.5 years
  • Municipio 6.1 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 San Germán Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

San Germán next to San Germán 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
  • San Germán $123,700
  • Municipio $111,400
  • Puerto Rico $131,500
  • United States $332,700
Typical monthly rent
  • San Germán $395
  • Municipio $481
  • Puerto Rico $578
  • United States $1,413
Typical yearly household income
  • San Germán $16,469
  • Municipio $18,317
  • Puerto Rico $26,297
  • United States $80,734
See the full table
San Germán next to San Germán Municipio and Puerto Rico
Measure San Germán San Germán Municipio Puerto Rico U.S.
Typical home value $123,700 $111,400 $131,500 $332,700
Typical monthly rent $395 $481 $578 $1,413
Typical yearly household income $16,469 $18,317 $26,297 $80,734
Households that own their home 55% 65% 68% 65%
Typical yearly property tax $667 $591 $646 $3,119
Effective property tax rate 0.54% 0.53% 0.49% 0.94%
Renters with high rent for their income 57% 52% 51% 51%

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

For a typical $123,700 home in San Germán, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, San Germán's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $985a month

    Least cash to close
    Down payment
    $4,330
    Cash to close
    $8,041
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $55

  • Conventional, 5% down $962a month

    Down payment
    $6,185
    Cash to close
    $9,896
    Rate
    7.18%
    Mortgage insurance
    PMI · $59

  • Conventional, 20% down, no PMI $778a month

    Down payment
    $24,740
    Cash to close
    $28,451
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $892a month

    Down payment
    $18,555
    Cash to close
    $22,266
    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 San Germán and for San Germán Municipio.

Property tax

Effective rate in San Germán

0.54%of the home’s value each year

$667 a year for the typical owner in San Germán.

  • San Germán 0.54%
  • Municipio 0.53%
  • 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 San Germán Municipio

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

FEMA does not publish these numbers for San Germán Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in San Germán

Typical rent in San Germán is $395 a month: 18% below the municipio. In San Germán, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of San Germán Municipio, by unit size. To pay the 2-bedroom one ($581 a month) without spending more than 30% of your income, you would need to earn $11.17 an hour working full time.

HUD fair market rent for all of San Germán 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 $452 $8.69 $18,080
1 bedroom $455 $8.75 $18,200
2 bedrooms $581 $11.17 $23,240
3 bedrooms $729 $14.02 $29,160
4 bedrooms $764 $14.69 $30,560

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 San Germán

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). San Germán is in ZIP code 00683.

For 2 bedrooms it is $560: $21 less than the fair market rent for San Germán Municipio ($581).

  • 00683 $560$700

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

HUD lists 7 buildings with rents for lower incomes in San Germán. These are the largest.

  • El Recreo 177 Res El Recreo, San German 00683 300 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $116 a month · Average wait: 2 months (787) 759-9407
  • Jardines de Joanne 149 Ave Casto Perez, San German 00683 124 low-income homes · For families (787) 892-1235
  • Manuel F Rossy 1 Res Rossy, San German 00683 101 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $103 a month · Average wait: 2 months (787) 759-9407
  • Santa Maria Apartments Road 10 H3 Int Nueva Salaman, San German 00683 86 low-income homes · For families (787) 892-6168
  • Egida de la Concepcion 1 Calle Ferrocarril, San German 00683 69 low-income homes · For older adults (787) 892-6620

See all 7 buildings in San Germán Municipio Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in San Germán

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

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in San Germán

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

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

  • Centro de Apoyo Familiar (CAF) PR

    92 Calle La Paz, Aguada · 22 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 · 29 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 · 34 miles away · Spanish

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

All counseling agencies in Puerto Rico

Help in Spanish near San Germán

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 San Germán

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

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

Cities

Nearby cities

The cities closest to San Germán, with the typical home value.

Everything about San Germán Municipio Housing in Puerto Rico

Neighboring counties

If San Germán 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 San Germán.

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

Questions

Housing questions about San Germán

Short answers with the numbers for San Germán and all of San Germán 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 San Germán?

The typical home value in San Germán is $123,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in San Germán Municipio it is $111,400.

How much does it cost to rent in San Germán?

Typical rent in San Germán is $395 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in San Germán Municipio is $581.

What is the FHA loan limit in San Germán?

San Germán uses the FHA limit for all of San Germán 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 San Germán?

The typical homeowner in San Germán pays $667 a year, according to the U.S. Census Bureau. That is 0.54% of the home’s value; in San Germán Municipio, the rate is 0.53%.

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

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