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City · 9,038 residents · San Sebastián Municipio, Puerto Rico

San Sebastián , Puerto Rico

In San Sebastián, a typical home is worth $115,900 and typical rent is $499 a month. Compared with all of San Sebastián Municipio, typical household income is 9% higher and the share of households that own their home is 9 points lower.

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  • Typical home value

    $115,900

    About the same as the municipio

    12% below Puerto Rico

    • San Sebastián
    • Municipio
    • Puerto Rico

  • Typical rent

    $499a month

    About the same as the municipio

    14% below Puerto Rico

    • San Sebastián
    • Municipio
    • Puerto Rico

  • Typical household income

    $21,684a year

    9% above the municipio

    18% below Puerto Rico

    • San Sebastián
    • Municipio
    • Puerto Rico

  • Households that own their home

    65%

    9 points below the municipio

    3 points below Puerto Rico

    • San Sebastián
    • Municipio
    • Puerto Rico

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

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

Data updated: October 1, 2026 9 official sources

Only here

What sets San Sebastián apart

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

  1. Nearby, in Aguadilla, the typical rent is $336: 33% less than in San Sebastián ($499).

  2. 65% of households in San Sebastián own their home, against 75% in San Sebastián Municipio.

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

The homes here

Housing in San Sebastián

What homes there are in San Sebastián, 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 Sebastián, 7 in 10 homes are single-family detached houses; in San Sebastián Municipio, 8.

Year built

The typical home in San Sebastián was built in 1977, 6 years before the typical one in San Sebastián 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

About 61% of rented homes in San Sebastián cost less than HUD's 2-bedroom fair market rent for San Sebastián Municipio ($613); the rest cost more.

With a mortgage

$759 a month

San Sebastián Municipio: $738 a month

Without a mortgage

$169 a month

San Sebastián Municipio: $150 a month

Owners with a mortgage

28%

San Sebastián Municipio: 27%

In San Sebastián, 28% of owners have a mortgage; their typical cost is $759 a month, about the same as in San Sebastián Municipio.

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

Since 2015–2019, home values in San Sebastián moved so little that the Census cannot say whether they rose or fell.

Since 2015–2019, the typical rent in San Sebastián rose 31%, more than in San Sebastián Municipio (26%).

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 SebastiánSan Sebastián MunicipioPuerto RicoUnited States
Rental vacancy Unreliable estimate14.4%5.1%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 2.682.662.482.53
Drive alone 81%83%83%69%
Carpool Unreliable estimate8%6%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate5%3%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

Much as in San Sebastián Municipio, a household in San Sebastián has 2.68 people on average.

In San Sebastián, 81% of workers drive alone to work; in San Sebastián Municipio, 83%.

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 Sebastián?

A typical home costs more than the typical income allows

We start with a typical home in San Sebastián, worth $115,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in San Sebastián, which is $21,684 a year. For that payment to be 28% of income, a household would need to earn about $39,376 a year.

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

Your numbers

Local data
$

Starts at the typical home value in San Sebastián. 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 $4,057 (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

$919

at 7.18% · 30 years

Loan amount
$113,800
Total interest
$163,732
Paid off in
November 2056

Includes $1,957 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $506 a month

  • Tight

    $506 to $651 a month

  • Hard

    more than $651 a month

    Your payment · 51%

Compared with the typical household income in San Sebastián ($21,684 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$919
Principal & interest$771
Property tax$48
Home insurance$48
FHA mortgage insurance (MIP)$51

You need at least $4,057 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 Sebastián and San Sebastián Municipio

San Sebastián is in San Sebastián 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 Sebastián's own numbers

Typical home value
$115,900
Typical monthly rent
$499
Typical yearly household income
$21,684
Households that own their home
65%
Effective property tax rate
0.5%

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

Numbers for all of San Sebastián Municipio

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$613

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 Sebastián Municipio.

Everything about San Sebastián Municipio

Buying

Buying a home in San Sebastián

A typical home in San Sebastián is worth $115,900: about the same as the municipio and 12% below Puerto Rico. With the typical household income in San Sebastián ($21,684 a year), a typical home costs 5.3 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 Sebastián 5.3 years
  • Municipio 5.8 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 Sebastián Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

San Sebastián next to San Sebastián 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 Sebastián $115,900
  • Municipio $115,000
  • Puerto Rico $131,500
  • United States $332,700
Typical monthly rent
  • San Sebastián $499
  • Municipio $508
  • Puerto Rico $578
  • United States $1,413
Typical yearly household income
  • San Sebastián $21,684
  • Municipio $19,920
  • Puerto Rico $26,297
  • United States $80,734
See the full table
San Sebastián next to San Sebastián Municipio and Puerto Rico
Measure San Sebastián San Sebastián Municipio Puerto Rico U.S.
Typical home value $115,900 $115,000 $131,500 $332,700
Typical monthly rent $499 $508 $578 $1,413
Typical yearly household income $21,684 $19,920 $26,297 $80,734
Households that own their home 65% 75% 68% 65%
Typical yearly property tax $585 $308 $646 $3,119
Effective property tax rate 0.5% 0.27% 0.49% 0.94%

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

For a typical $115,900 home in San Sebastián, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, San Sebastián's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $919a month

    Least cash to close
    Down payment
    $4,057
    Cash to close
    $7,534
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $51

  • Conventional, 5% down $898a month

    Down payment
    $5,795
    Cash to close
    $9,272
    Rate
    7.18%
    Mortgage insurance
    PMI · $55

  • Conventional, 20% down, no PMI $725a month

    Down payment
    $23,180
    Cash to close
    $26,657
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $832a month

    Down payment
    $17,385
    Cash to close
    $20,862
    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 Sebastián and for San Sebastián Municipio.

Property tax

Effective rate in San Sebastián

0.5%of the home’s value each year

$585 a year for the typical owner in San Sebastián.

  • San Sebastián 0.5%
  • Municipio 0.27%
  • 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 Sebastián Municipio

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

FEMA does not publish these numbers for San Sebastián Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in San Sebastián

Typical rent in San Sebastián is $499 a month: about the same as the municipio.

HUD publishes a fair market rent for all of San Sebastián Municipio, by unit size. To pay the 2-bedroom one ($613 a month) without spending more than 30% of your income, you would need to earn $11.79 an hour working full time.

HUD fair market rent for all of San Sebastián 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 $504 $9.69 $20,160
1 bedroom $507 $9.75 $20,280
2 bedrooms $613 $11.79 $24,520
3 bedrooms $731 $14.06 $29,240
4 bedrooms $820 $15.77 $32,800

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 Sebastián

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). San Sebastián is in ZIP code 00685.

For 2 bedrooms it is $590: $23 less than the fair market rent for San Sebastián Municipio ($613).

  • 00685 $590$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 Sebastián 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 Sebastián

HUD lists 4 buildings with rents for lower incomes in San Sebastián. These are the largest.

  • Andres Mendez Liceaga 82 Calle Mj Cabrero, San Sebastian 00685 210 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $93 a month · Average wait: 8 months (787) 759-9407
  • Hacienda San Andres 1 Res San Andres, San Sebastian 00685 150 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $91 a month · Average wait: 10 months (787) 759-9407
  • Villa Soigal Mendez Cardona ST, San Sebastian 00685 120 low-income homes · For families (787) 896-3917
  • Egida Hacienda El Jibarito PR-445 KM. 6.5, San Sebastian 00685 1 bd: 138 · In service since 2016 · For older adults

See all 4 buildings in San Sebastián Municipio Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in San Sebastián

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

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in San Sebastián

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

The HUD-approved agencies closest to the center of San Sebastián, 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 · 13 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (301) 328-3292

  • Corporacion Desarrollo Economico,vivienda y Salud

    68 Calle Puro Girau, Arecibo · 21 miles away · Spanish

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

  • Ponce Neighborhood Housing Services, Inc.

    57 Calle Mendez Vigo, Ponce · 33 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (787) 841-5055

All counseling agencies in Puerto Rico

Help in Spanish near San Sebastián

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 Sebastián

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

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

Cities

Nearby cities

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

Everything about San Sebastián Municipio Housing in Puerto Rico

Neighboring counties

If San Sebastián 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 Sebastián.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about San Sebastián

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

The typical home value in San Sebastián is $115,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in San Sebastián Municipio it is $115,000.

How much does it cost to rent in San Sebastián?

Typical rent in San Sebastián is $499 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in San Sebastián Municipio is $613.

What is the FHA loan limit in San Sebastián?

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

The typical homeowner in San Sebastián pays $585 a year, according to the U.S. Census Bureau. That is 0.5% of the home’s value; in San Sebastián Municipio, the rate is 0.27%.

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

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