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City · 317,995 residents · San Juan Municipio, Puerto Rico

San Juan , Puerto Rico

In San Juan, a typical home is worth $173,200 and typical rent is $612 a month. Home values, rent and income are very close to those of all of San Juan Municipio.

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  • Typical home value

    $173,200

    About the same as the municipio

    32% above Puerto Rico

    • San Juan
    • Municipio
    • Puerto Rico

  • Typical rent

    $612a month

    About the same as the municipio

    6% above Puerto Rico

    • San Juan
    • Municipio
    • Puerto Rico

  • Typical household income

    $28,562a year

    2% above the municipio

    9% above Puerto Rico

    • San Juan
    • Municipio
    • Puerto Rico

  • Households that own their home

    53%

    About the same as the municipio

    15 points below Puerto Rico

    • San Juan
    • Municipio
    • Puerto Rico

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

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

Data updated: October 1, 2026 9 official sources

Only here

What sets San Juan apart

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

  1. Nearby, in Caño Martin Peña, the typical home value is $105,400: 39% less than in San Juan ($173,200).

  2. San Juan has the 3rd highest typical home value of the 54 cities in Puerto Rico with more than 5,000 people ($173,200).

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

The homes here

Housing in San Juan

What homes there are in San Juan, 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 San Juan, the apartment is the most common kind of home (43%), as in San Juan Municipio (41%).

Year built

By age, homes in San Juan look like those in San Juan Municipio: the typical year built is 1967.

By size, homes in San Juan look like those in San Juan Municipio: 60% 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

About 93% of owner-occupied homes in San Juan are worth less than the FHA loan limit for San Juan Municipio ($690,000).

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for San Juan Municipio is $706: about 56% of rents in San Juan are below it.

With a mortgage

$1,180 a month

San Juan Municipio: $1,178 a month

Without a mortgage

$285 a month

San Juan Municipio: $276 a month

Owners with a mortgage

48%

San Juan Municipio: 46%

The typical cost for an owner with a mortgage in San Juan is $1,180 a month, near the figure in San Juan Municipio ($1,178).

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

Much as in San Juan Municipio, the typical home value in San Juan rose 13% since 2015–2019.

Rents in San Juan rose at about the same pace as in San Juan Municipio: 27% since 2015–2019, against 26%.

To compare: typical income in San Juan rose 27%; the home, +13%; the rent, +27%.

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 JuanSan Juan MunicipioPuerto RicoUnited States
Rental vacancy 6.9%6.8%5.1%5.5%
Homeowner vacancy 2.2%2.2%1.3%0.9%
More than one person per room 1.9%2.0%2.3%3.4%
People per household 2.142.152.482.53
Drive alone 73%73%83%69%
Carpool 7%7%6%9%
Public transit 3%3%1%3%
Walk or bike 5%5%3%3%
Work from home 8%8%6%15%
Other means 3%3%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In San Juan, the rental vacancy rate is 6.9%, about the same as in San Juan Municipio.

In San Juan, 1.9% of households live with more than one person per room, about the same as in San Juan Municipio.

A household in San Juan has 2.14 people on average, about the same as in San Juan Municipio (2.15).

In San Juan, 73% of workers drive alone to work; in San Juan Municipio, 73%.

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 Juan?

A typical home costs more than the typical income allows

We start with a typical home in San Juan, worth $173,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 58% of the typical household income in San Juan, which is $28,562 a year. For that payment to be 28% of income, a household would need to earn about $58,657 a year.

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

Your numbers

Local data
$

Starts at the typical home value in San Juan. 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 $6,062 (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

$1,369

at 7.18% · 30 years

Loan amount
$170,063
Total interest
$244,681
Paid off in
November 2056

Includes $2,925 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $666 a month

  • Tight

    $666 to $857 a month

  • Hard

    more than $857 a month

    Your payment · 58%

Compared with the typical household income in San Juan ($28,562 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,369
Principal & interest$1,152
Property tax$68
Home insurance$72
FHA mortgage insurance (MIP)$77

You need at least $6,062 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 Juan and San Juan Municipio

San Juan is in San Juan 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 Juan's own numbers

Typical home value
$173,200
Typical monthly rent
$612
Typical yearly household income
$28,562
Households that own their home
53%
Effective property tax rate
0.47%

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

Numbers for all of San Juan 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 San Juan Municipio.

Everything about San Juan Municipio

Buying

Buying a home in San Juan

A typical home in San Juan is worth $173,200: about the same as the municipio and 32% above Puerto Rico. With the typical household income in San Juan ($28,562 a year), a typical home costs 6.1 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 Juan 6.1 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 Juan Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

San Juan next to San Juan 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 Juan $173,200
  • Municipio $171,200
  • Puerto Rico $131,500
  • United States $332,700
Typical monthly rent
  • San Juan $612
  • Municipio $611
  • Puerto Rico $578
  • United States $1,413
Typical yearly household income
  • San Juan $28,562
  • Municipio $27,992
  • Puerto Rico $26,297
  • United States $80,734
See the full table
San Juan next to San Juan Municipio and Puerto Rico
Measure San Juan San Juan Municipio Puerto Rico U.S.
Typical home value $173,200 $171,200 $131,500 $332,700
Typical monthly rent $612 $611 $578 $1,413
Typical yearly household income $28,562 $27,992 $26,297 $80,734
Households that own their home 53% 53% 68% 65%
Typical yearly property tax $813 $819 $646 $3,119
Effective property tax rate 0.47% 0.48% 0.49% 0.94%
Renters with high rent for their income 53% 53% 51% 51%

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

For a typical $173,200 home in San Juan, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, San Juan's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,369a month

    Least cash to close
    Down payment
    $6,062
    Cash to close
    $11,258
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $77

  • Conventional, 5% down $1,337a month

    Down payment
    $8,660
    Cash to close
    $13,856
    Rate
    7.18%
    Mortgage insurance
    PMI · $82

  • Conventional, 20% down, no PMI $1,079a month

    Down payment
    $34,640
    Cash to close
    $39,836
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,239a month

    Down payment
    $25,980
    Cash to close
    $31,176
    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 Juan and for San Juan Municipio.

Property tax

Effective rate in San Juan

0.47%of the home’s value each year

$813 a year for the typical owner in San Juan.

  • San Juan 0.47%
  • Municipio 0.48%
  • 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 Juan Municipio

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

FEMA does not publish these numbers for San Juan Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in San Juan

Typical rent in San Juan is $612 a month: about the same as the municipio. In San Juan, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of San Juan 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 San Juan 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 Juan

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). San Juan has 17 ZIP codes with their own.

For 2 bedrooms it runs from $600 in 00913 to $1,020 in 00907.

10 of the 17 are above the fair market rent for San Juan Municipio ($706).

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

HUD lists 114 buildings with rents for lower incomes in San Juan. These are the largest.

  • Ext. Manuel A. Perez 445 Calle Sicilia, San Juan 00923 900 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $136 a month · Average wait: 11 months (787) 759-9407
  • Luis Llorens Torres 128 Res Llorens Torr, San Juan 00913 888 homes, 887 low-income · Run by Puerto Rico Public Housing Administration · Average payment: $140 a month · Average wait: 8 months (787) 759-9407
  • Luis Llorens Torres San Juan 00913 856 homes, 855 low-income · Run by Puerto Rico Public Housing Administration · Average payment: $162 a month · Average wait: 16 months (787) 759-9407
  • Manuel A Perez 2300 Calle Sicardo, San Juan 00923 850 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $160 a month · Average wait: 18 months (787) 759-9407
  • Luis Llorens Torres 533 Calle Llorens Torres, San Juan 00917 826 homes, 825 low-income · Run by Puerto Rico Public Housing Administration · Average payment: $151 a month · Average wait: 14 months (787) 759-9407

See all 124 buildings in San Juan Municipio Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in San Juan

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 are 4 HUD-approved agencies with an office in San Juan Municipio; 4 say they serve in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in San Juan

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

The HUD-approved agencies closest to the center of San Juan, 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 · 1 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 · 3 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 · 3 miles away · Spanish

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

Every agency in San Juan Municipio All counseling agencies in Puerto Rico

Help in Spanish near San Juan

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 Juan

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

2 other authorities have an office in San Juan Municipio: see the list Source: HUD

Cities

Other cities in San Juan Municipio

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

Everything about San Juan Municipio Housing in Puerto Rico

Nearby cities

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

Neighboring counties

If San Juan 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 Juan.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about San Juan

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

The typical home value in San Juan is $173,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in San Juan Municipio it is $171,200.

How much does it cost to rent in San Juan?

Typical rent in San Juan is $612 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in San Juan Municipio is $706.

What is the FHA loan limit in San Juan?

San Juan uses the FHA limit for all of San Juan Municipio (2026): $690,000 for a one-unit home and $1,326,950 for a four-unit home.

How much property tax do owners pay in San Juan?

The typical homeowner in San Juan pays $813 a year, according to the U.S. Census Bureau. That is 0.47% of the home’s value; in San Juan Municipio, the rate is 0.48%.

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

There are 4 HUD-approved counseling agencies with an office in San Juan Municipio. 4 say they serve in Spanish. 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).