City · 9,453 residents · San Lorenzo Municipio, Puerto Rico
San Lorenzo, Puerto Rico
In San Lorenzo, a typical home is worth $114,500 and typical rent is $600 a month. Compared with all of San Lorenzo Municipio, typical household income is 9% higher and the share of households that own their home is 16 points lower.
San Lorenzo is in San Lorenzo 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 Lorenzo Municipio. See the county
What this place has that others do not, from public data, most unusual first.
1
56% of households in San Lorenzo own their home, against 72% in San Lorenzo Municipio.
2
Nearby, in Juncos, the typical rent is $459: 24% less than in San Lorenzo ($600).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in San Lorenzo
What homes there are in San Lorenzo, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
San Lorenzo
San Lorenzo Municipio
Puerto Rico
United States
Kind of home: San Lorenzo and its comparisons
Measure
San Lorenzo
San Lorenzo Municipio
Puerto Rico
United States
Detached house
68%
79%
68%
61%
Attached house
17%
16%
12%
6%
Building of 2 to 4
9%
3%
6%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
14%
19%
Mobile home
Unreliable estimate
Unreliable estimate
0%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
Unreliable estimate
0%
In San Lorenzo, 7 in 10 homes are single-family detached houses; in San Lorenzo Municipio, 8.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
San Lorenzo
San Lorenzo Municipio
Puerto Rico
United States
Year built: San Lorenzo and its comparisons
Measure
San Lorenzo
San Lorenzo Municipio
Puerto Rico
United States
Before 1960
24%
8%
14%
26%
1960–1979
34%
31%
39%
24%
1980–1999
26%
40%
31%
25%
2000–2009
12%
17%
13%
14%
2010 or later
Unreliable estimate
4%
3%
11%
Homes in San Lorenzo are older: the typical year built is 1976; in San Lorenzo Municipio, 1985.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K36%
$100K–$200K50%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: San Lorenzo and its comparisons
Measure
San Lorenzo
Under $100K
36%
$100K–$200K
50%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99962%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: San Lorenzo and its comparisons
Measure
San Lorenzo
Under $500
Unreliable estimate
$500–$999
62%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$960 a month
San Lorenzo Municipio: $975 a month
Without a mortgage
$158 a month
San Lorenzo Municipio: $150 a month
Owners with a mortgage
44%
San Lorenzo Municipio: 28%
In San Lorenzo, 44% of owners have a mortgage; their typical cost is $960 a month, about the same as in San Lorenzo Municipio.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
San LorenzoBoundaries changed
San Lorenzo MunicipioNo clear change
Puerto Rico+18%
United States+53%
Typical rent
San LorenzoBoundaries changed
San Lorenzo Municipio+16%
Puerto Rico+21%
United States+33%
Typical household income
San LorenzoBoundaries changed
San Lorenzo Municipio+18%
Puerto Rico+28%
United States+29%
Change since 2015–2019: San Lorenzo and its comparisons
Measure
San Lorenzo
San Lorenzo Municipio
Puerto Rico
United States
Typical home value
Boundaries changed
No clear change
+18%
+53%
Typical rent
Boundaries changed
+16%
+21%
+33%
Typical household income
Boundaries changed
+18%
+28%
+29%
The boundaries of San Lorenzo changed since 2015–2019, so the Census does not compare its figures from then and now.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: San Lorenzo and its comparisons
Measure
San Lorenzo
San Lorenzo Municipio
Puerto Rico
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.3%
0.9%
More than one person per room
Unreliable estimate
3.8%
2.3%
3.4%
People per household
2.52
2.60
2.48
2.53
Drive alone
83%
84%
83%
69%
Carpool
Unreliable estimate
8%
6%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
8%
3%
3%
Work from home
Unreliable estimate
Unreliable estimate
6%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
A household in San Lorenzo has 2.52 people on average, about the same as in San Lorenzo Municipio (2.60).
In San Lorenzo, 83% of workers drive alone to work; in San Lorenzo Municipio, 84%.
Do the math
What would you pay each month for a home in San Lorenzo?
A typical home costs more than the typical income allows
We start with a typical home in San Lorenzo, worth $114,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in San Lorenzo, which is $24,915 a year. For that payment to be 28% of income, a household would need to earn about $36,856 a year.
The calculator's FHA and conventional loan limits are those of all of San Lorenzo Municipio.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in San Lorenzo. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $4,008 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$876
at 7.18% · 30 years
Loan amount
$112,426
Total interest
$161,754
Paid off in
November 2056
Includes $1,934 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $581 a month
Tight
$581 to $747 a month
Hard
more than $747 a month
Your payment · 42%
Compared with the typical household income in San Lorenzo ($24,915 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$762
Property tax
$16
Home insurance
$48
FHA mortgage insurance (MIP)
$51
You need at least $4,008 for the down payment, plus closing costs.
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.
Total monthly payment $876; principal and interest $762.
The city and its county
San Lorenzo and San Lorenzo Municipio
San Lorenzo is in San Lorenzo 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 Lorenzo
Map of San Lorenzo Municipio, Puerto Rico, with San Lorenzo marked. Around it, the neighboring counties.
San Lorenzo
San Lorenzo Municipio
Other cities with a page
San Lorenzo's own numbers
Typical home value
$114,500
Typical monthly rent
$600
Typical yearly household income
$24,915
Households that own their home
56%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of San Lorenzo Municipio
FHA limit, one-unit home
$690,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$617
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 Lorenzo Municipio.
A typical home in San Lorenzo is worth $114,500: about the same as the municipio and 13% below Puerto Rico. With the typical household income in San Lorenzo ($24,915 a year), a typical home costs 4.6 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 Lorenzo4.6 years
Municipio5.0 years
Puerto Rico5.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Puerto Rico
FHFA publishes no annual price index in San Lorenzo Municipio. That usually happens when there are too few sales to measure it.
Data not available for this place
San Lorenzo next to San Lorenzo 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 Lorenzo$114,500
Municipio$113,900
Puerto Rico$131,500
United States$332,700
Typical monthly rent
San Lorenzo$600
Municipio$579
Puerto Rico$578
United States$1,413
Typical yearly household income
San Lorenzo$24,915
Municipio$22,847
Puerto Rico$26,297
United States$80,734
See the full table
San Lorenzo next to San Lorenzo Municipio and Puerto Rico
Measure
San Lorenzo
San Lorenzo Municipio
Puerto Rico
U.S.
Typical home value
$114,500
$113,900
$131,500
$332,700
Typical monthly rent
$600 ▲4% above the municipio
$579
$578
$1,413
Typical yearly household income
$24,915 ▲9% above the municipio
$22,847
$26,297
$80,734
Households that own their home
56% ▼16 points below the municipio
72%
68%
65%
Renters with high rent for their income
50% ▼4 points below the municipio
54%
51%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below San Lorenzo 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 Lorenzo
For a typical $114,500 home in San Lorenzo, 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 Lorenzo's rate.
FHA, 3.5% down$860a month
Least cash to close
Down payment
$4,008
Cash to close
$7,443
Rate
7.18%
Mortgage insurance
FHA MIP · $51
Conventional, 5% down$839a month
Down payment
$5,725
Cash to close
$9,160
Rate
7.18%
Mortgage insurance
PMI · $54
Conventional, 20% down, no PMI$668a month
Down payment
$22,900
Cash to close
$26,335
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$774a month
Down payment
$17,175
Cash to close
$20,610
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in San Lorenzo
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$860
$4,008
$112,426
7.18%
FHA MIP · $51
$7,443
580
Conventional, 5% down
$839
$5,725
$108,775
7.18%
PMI · $54
$9,160
620*
Conventional, 20% down, no PMI
$668
$22,900
$91,600
7.18%
None
$26,335
620*
ITIN, 15% down (example)
$774
$17,175
$97,325
8.18%
None
$20,610
Set by the lender
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.
Typical rent in San Lorenzo is $600 a month: 4% above the municipio. In San Lorenzo, 50% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of San Lorenzo Municipio, by unit size. To pay the 2-bedroom one ($617 a month) without spending more than 30% of your income, you would need to earn $11.87 an hour working full time.
HUD fair market rent for all of San Lorenzo Municipio
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in San Lorenzo Municipio (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$482
$9.27
$19,280
1 bedroom
$502
$9.65
$20,080
2 bedrooms
$617
$11.87
$24,680
3 bedrooms
$854
$16.42
$34,160
4 bedrooms
$1,031
$19.83
$41,240
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 Lorenzo
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). San Lorenzo is in ZIP code 00754.
For 2 bedrooms it is $540: $77 less than the fair market rent for San Lorenzo Municipio ($617).
Fair market rent by ZIP code and size in San Lorenzo, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
00754
$430
$440
$540
$750
$900
ZIP code2 bd3 bd
00754 $540$750
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 Lorenzo 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 4 buildings with rents for lower incomes in San Lorenzo. These are the largest.
La Lorenzana2 Res Lorenzana, San Lorenzo 00754112 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $118 a month · Average wait: 6 months(787) 759-9407
Valentina Rental HousingPR 181 KM 1 5, San Lorenzo 0075498 low-income homes · 3 bd: 98 · In service since 2017 · For families
Valentina IIPR-181 KM 2.0, San Lorenzo 0075487 low-income homes · 3 bd: 71 · In service since 2019 · For people with disabilities, families
San Lorenzo ApartmentsState Road 183 KM. 11, San Lorenzo 0075470 low-income homes · For families(787) 736-0212
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 Lorenzo Municipio. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for San Lorenzo or San Lorenzo Municipio. The ones below are statewide in Puerto Rico: they work in San Lorenzo the same as in the rest of the state.
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).
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).
No legal help resource on our list is for San Lorenzo or San Lorenzo Municipio in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for San Lorenzo and all of San Lorenzo 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 Lorenzo?
The typical home value in San Lorenzo is $114,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in San Lorenzo Municipio it is $113,900.
How much does it cost to rent in San Lorenzo?
Typical rent in San Lorenzo is $600 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in San Lorenzo Municipio is $617.
What is the FHA loan limit in San Lorenzo?
San Lorenzo uses the FHA limit for all of San Lorenzo 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 Lorenzo?
We found no HUD-approved counseling agencies with an office in San Lorenzo Municipio; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
