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City · 6,860 residents · Canóvanas Municipio, Puerto Rico

San Isidro , Puerto Rico

In San Isidro, a typical home is worth $92,200 and typical rent is $497 a month. Compared with all of Canóvanas Municipio, the typical home value is 22% lower, typical household income is 18% lower, and the share of households that own their home is 10 points lower.

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  • Typical home value

    $92,200

    22% below the municipio

    30% below Puerto Rico

    • San Isidro
    • Canóvanas
    • Puerto Rico

  • Typical rent

    $497a month

    13% below the municipio

    14% below Puerto Rico

    • San Isidro
    • Canóvanas
    • Puerto Rico

  • Typical household income

    $24,260a year

    18% below the municipio

    8% below Puerto Rico

    • San Isidro
    • Canóvanas
    • Puerto Rico

  • Households that own their home

    63%

    10 points below the municipio

    5 points below Puerto Rico

    • San Isidro
    • Canóvanas
    • Puerto Rico

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

San Isidro is in Canóvanas 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 Canóvanas Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets San Isidro apart

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

  1. San Isidro has the 4th lowest typical home value of the 54 cities in Puerto Rico with more than 5,000 people ($92,200).

  2. Nearby, in Luquillo, the typical rent is $418: 16% less than in San Isidro ($497).

  3. The typical household income in San Isidro is $24,260, 18% less than in Canóvanas Municipio as a whole ($29,642).

  4. 63% of households in San Isidro own their home, against 73% in Canóvanas Municipio.

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

The homes here

Housing in San Isidro

What homes there are in San Isidro, 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 Canóvanas Municipio, most homes in San Isidro are detached houses (74%).

Year built

By age, homes in San Isidro look like those in Canóvanas Municipio: the typical year built is 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

With a HUD fair market rent of $706 for 2 bedrooms, at least 52% of rented homes in San Isidro sit below it.

With a mortgage

$719 a month

Canóvanas Municipio: $988 a month

Without a mortgage

$192 a month

Canóvanas Municipio: $159 a month

Owners with a mortgage

38%

Canóvanas Municipio: 43%

The typical cost for an owner with a mortgage in San Isidro is $719 a month, less than in Canóvanas Municipio ($988); without one, $192.

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 San Isidro changed since 2015–2019, so the Census does not compare its figures from then and now. In Canóvanas 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

MeasureSan IsidroCanóvanas 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 estimate6.1%2.3%3.4%
People per household 2.562.642.482.53
Drive alone 88%86%83%69%
Carpool Unreliable estimate6%6%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home Unreliable estimate7%6%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

Much as in Canóvanas Municipio, a household in San Isidro has 2.56 people on average.

In San Isidro, 88% of workers drive alone to work; in Canóvanas Municipio, 86%.

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 Isidro?

A typical home is tight for the typical income

We start with a typical home in San Isidro, worth $92,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in San Isidro, which is $24,260 a year. For that payment to be 28% of income, a household would need to earn about $29,678 a year.

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

Your numbers

Local data
$

Starts at the typical home value in San Isidro. 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 $3,227 (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

$732

at 7.18% · 30 years

Loan amount
$90,530
Total interest
$130,251
Paid off in
November 2056

Includes $1,557 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $566 a month

  • Tight

    $566 to $728 a month

  • Hard

    more than $728 a month

    Your payment · 36%

Compared with the typical household income in San Isidro ($24,260 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$732
Principal & interest$613
Property tax$40
Home insurance$38
FHA mortgage insurance (MIP)$41

You need at least $3,227 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 Isidro and Canóvanas Municipio

San Isidro is in Canóvanas 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 Isidro's own numbers

Typical home value
$92,200
Typical monthly rent
$497
Typical yearly household income
$24,260
Households that own their home
63%

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

Numbers for all of Canóvanas 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 Canóvanas Municipio.

Everything about Canóvanas Municipio

Buying

Buying a home in San Isidro

A typical home in San Isidro is worth $92,200: 22% below the municipio and 30% below Puerto Rico. With the typical household income in San Isidro ($24,260 a year), a typical home costs 3.8 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.

  • San Isidro 3.8 years
  • Canóvanas 4.0 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 Canóvanas Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

San Isidro next to Canóvanas 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 Isidro $92,200
  • Canóvanas $118,600
  • Puerto Rico $131,500
  • United States $332,700
Typical monthly rent
  • San Isidro $497
  • Canóvanas $568
  • Puerto Rico $578
  • United States $1,413
Typical yearly household income
  • San Isidro $24,260
  • Canóvanas $29,642
  • Puerto Rico $26,297
  • United States $80,734
See the full table
San Isidro next to Canóvanas Municipio and Puerto Rico
Measure San Isidro Canóvanas Municipio Puerto Rico U.S.
Typical home value $92,200 $118,600 $131,500 $332,700
Typical monthly rent $497 $568 $578 $1,413
Typical yearly household income $24,260 $29,642 $26,297 $80,734
Households that own their home 63% 73% 68% 65%

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

For a typical $92,200 home in San Isidro, 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 San Isidro's rate.

  • FHA, 3.5% down $692a month

    Least cash to close
    Down payment
    $3,227
    Cash to close
    $5,993
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $41

  • Conventional, 5% down $676a month

    Down payment
    $4,610
    Cash to close
    $7,376
    Rate
    7.18%
    Mortgage insurance
    PMI · $44

  • Conventional, 20% down, no PMI $538a month

    Down payment
    $18,440
    Cash to close
    $21,206
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $623a month

    Down payment
    $13,830
    Cash to close
    $16,596
    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 Isidro and for Canóvanas 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 Canóvanas Municipio

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

FEMA does not publish these numbers for Canóvanas Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in San Isidro

Typical rent in San Isidro is $497 a month: 13% below the municipio.

HUD publishes a fair market rent for all of Canóvanas 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 Canóvanas 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 San Isidro

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). San Isidro is in ZIP code 00729.

For 2 bedrooms it is $660: $46 less than the fair market rent for Canóvanas Municipio ($706).

  • 00729 $660$860

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 Isidro 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 San Isidro

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

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in San Isidro

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

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

  • One Stop Career Center of Puerto Rico

    839 Calle Anasco Ste 5, San Juan · 11 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (787) 296-1785

  • Greenpath Financial Wellness - San Juan Branch

    1607 Ave Ponce De Leon, San Juan · 12 miles away · Spanish

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

  • CCCS of Puerto Rico

    1607 Avenue Ponce de Leon, Santurce · 12 miles away · Spanish

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

All counseling agencies in Puerto Rico

Help in Spanish near San Isidro

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 San Isidro

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

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

Cities

Other cities in Canóvanas Municipio

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

Everything about Canóvanas Municipio Housing in Puerto Rico

Nearby cities

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

Neighboring counties

If Canóvanas 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 Isidro.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about San Isidro

Short answers with the numbers for San Isidro and all of Canóvanas 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 Isidro?

The typical home value in San Isidro is $92,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Canóvanas Municipio it is $118,600.

How much does it cost to rent in San Isidro?

Typical rent in San Isidro is $497 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Canóvanas Municipio is $706.

What is the FHA loan limit in San Isidro?

San Isidro uses the FHA limit for all of Canóvanas 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 San Isidro?

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