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City · 5,252 residents · Santa Isabel Municipio, Puerto Rico

Santa Isabel , Puerto Rico

In Santa Isabel, a typical home is worth $98,400 and typical rent is $327 a month. Compared with all of Santa Isabel Municipio, typical household income is 39% lower, typical rent is 33% lower, and the share of households that own their home is 14 points lower.

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  • Typical home value

    $98,400

    9% below the municipio

    25% below Puerto Rico

    • Santa Isabel
    • Municipio
    • Puerto Rico

  • Typical rent

    $327a month

    33% below the municipio

    43% below Puerto Rico

    • Santa Isabel
    • Municipio
    • Puerto Rico

  • Typical household income

    $15,693a year

    39% below the municipio

    40% below Puerto Rico

    • Santa Isabel
    • Municipio
    • Puerto Rico

  • Households that own their home

    64%

    14 points below the municipio

    4 points below Puerto Rico

    • Santa Isabel
    • Municipio
    • Puerto Rico

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

Santa Isabel is in Santa Isabel 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 Santa Isabel Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Santa Isabel apart

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

  1. Santa Isabel has the 2nd lowest typical rent of the 50 cities in Puerto Rico with more than 5,000 people ($327).

  2. Santa Isabel has the 3rd lowest typical household income of the 52 cities in Puerto Rico with more than 5,000 people ($15,693).

  3. Nearby, in Coco, the typical home value is $70,700: 28% less than in Santa Isabel ($98,400).

  4. 64% of households in Santa Isabel own their home, against 78% in Santa Isabel Municipio.

  5. 21% of households in Santa Isabel have no internet at home (16% in Santa Isabel Municipio).

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

The homes here

Housing in Santa Isabel

What homes there are in Santa Isabel, 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 houses are the majority in Santa Isabel (80%), but less so than in Santa Isabel Municipio (89%).

Year built

Homes in Santa Isabel are older: the typical year built is 1976; in Santa Isabel Municipio, 1989.

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

HUD's 2-bedroom fair market rent for Santa Isabel Municipio is high ($517): at least 78% of rents in Santa Isabel cost less than $500.

With a mortgage

$805 a month

Santa Isabel Municipio: $874 a month

Without a mortgage

$164 a month

Santa Isabel Municipio: $175 a month

Owners with a mortgage

24%

Santa Isabel Municipio: 39%

The typical cost for an owner with a mortgage in Santa Isabel is $805 a month, less than in Santa Isabel Municipio ($874); without one, $164.

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 Santa Isabel changed since 2015–2019, so the Census does not compare its figures from then and now. In Santa Isabel Municipio, the typical home value rose 16%.

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

MeasureSanta IsabelSanta Isabel 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 2.362.632.482.53
Drive alone 81%87%83%69%
Carpool Unreliable estimate7%6%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home Unreliable estimate5%6%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Santa Isabel are smaller: 2.36 people on average; in Santa Isabel Municipio, 2.63.

In Santa Isabel, 81% of workers drive alone to work; in Santa Isabel 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 Santa Isabel?

A typical home costs more than the typical income allows

We start with a typical home in Santa Isabel, worth $98,400, 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 Santa Isabel, which is $15,693 a year. For that payment to be 28% of income, a household would need to earn about $32,376 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Santa Isabel. 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 $3,444 (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

$755

at 7.18% · 30 years

Loan amount
$96,618
Total interest
$139,010
Paid off in
November 2056

Includes $1,662 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $366 a month

  • Tight

    $366 to $471 a month

  • Hard

    more than $471 a month

    Your payment · 58%

Compared with the typical household income in Santa Isabel ($15,693 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$755
Principal & interest$655
Property tax$16
Home insurance$41
FHA mortgage insurance (MIP)$44

You need at least $3,444 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

Santa Isabel and Santa Isabel Municipio

Santa Isabel is in Santa Isabel 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).

Santa Isabel's own numbers

Typical home value
$98,400
Typical monthly rent
$327
Typical yearly household income
$15,693
Households that own their home
64%
Effective property tax rate
0.2%

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

Numbers for all of Santa Isabel Municipio

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$517

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 Santa Isabel Municipio.

Everything about Santa Isabel Municipio

Buying

Buying a home in Santa Isabel

A typical home in Santa Isabel is worth $98,400: 9% below the municipio and 25% below Puerto Rico. With the typical household income in Santa Isabel ($15,693 a year), a typical home costs 6.3 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.

  • Santa Isabel 6.3 years
  • Municipio 4.2 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 Santa Isabel Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

Santa Isabel next to Santa Isabel 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
  • Santa Isabel $98,400
  • Municipio $108,200
  • Puerto Rico $131,500
  • United States $332,700
Typical monthly rent
  • Santa Isabel $327
  • Municipio $489
  • Puerto Rico $578
  • United States $1,413
Typical yearly household income
  • Santa Isabel $15,693
  • Municipio $25,795
  • Puerto Rico $26,297
  • United States $80,734
See the full table
Santa Isabel next to Santa Isabel Municipio and Puerto Rico
Measure Santa Isabel Santa Isabel Municipio Puerto Rico U.S.
Typical home value $98,400 $108,200 $131,500 $332,700
Typical monthly rent $327 $489 $578 $1,413
Typical yearly household income $15,693 $25,795 $26,297 $80,734
Households that own their home 64% 78% 68% 65%
Typical yearly property tax $199 $1,052 $646 $3,119
Effective property tax rate 0.2% 0.97% 0.49% 0.94%

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

For a typical $98,400 home in Santa Isabel, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Santa Isabel's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $755a month

    Least cash to close
    Down payment
    $3,444
    Cash to close
    $6,396
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $44

  • Conventional, 5% down $737a month

    Down payment
    $4,920
    Cash to close
    $7,872
    Rate
    7.18%
    Mortgage insurance
    PMI · $47

  • Conventional, 20% down, no PMI $591a month

    Down payment
    $19,680
    Cash to close
    $22,632
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $682a month

    Down payment
    $14,760
    Cash to close
    $17,712
    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 Santa Isabel and for Santa Isabel Municipio.

Property tax

Effective rate in Santa Isabel

0.2%of the home’s value each year

$199 a year for the typical owner in Santa Isabel.

  • Santa Isabel 0.2%
  • Municipio 0.97%
  • 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 Santa Isabel Municipio

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

FEMA does not publish these numbers for Santa Isabel Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Santa Isabel

Typical rent in Santa Isabel is $327 a month: 33% below the municipio.

HUD publishes a fair market rent for all of Santa Isabel Municipio, by unit size. To pay the 2-bedroom one ($517 a month) without spending more than 30% of your income, you would need to earn $9.94 an hour working full time.

HUD fair market rent for all of Santa Isabel 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 $456 $8.77 $18,240
1 bedroom $475 $9.13 $19,000
2 bedrooms $517 $9.94 $20,680
3 bedrooms $697 $13.40 $27,880
4 bedrooms $743 $14.29 $29,720

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 Santa Isabel

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Santa Isabel is in ZIP code 00757.

For 2 bedrooms it is $570: $53 more than the fair market rent for Santa Isabel Municipio ($517).

  • 00757 $570$770

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

HUD lists 5 buildings with rents for lower incomes in Santa Isabel. These are the largest.

  • Pedro M Descartes 1 Res Pedro M Descartes, Santa Isabel 00757 110 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $118 a month · Average wait: 4 months (787) 759-9407
  • Rincon Taino 1 Res Rincon Taino, Santa Isabel 00757 100 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $116 a month · Average wait: 6 months (787) 759-9407
  • El Taino 1 Res Rincon Taino, Santa Isabel 00757 95 homes, 94 low-income · Run by Puerto Rico Public Housing Administration · Average payment: $153 a month (787) 759-9407
  • Santa Isabel Apts State Road 153 Km 1.0, Santa Isabel 00757 60 low-income homes · For families (787) 845-3010
  • Estancias de Santa Isabel Santa Isabel 00757 4 low-income homes · Run by Puerto Rico Public Housing Administration (787) 759-9407

See all 5 buildings in Santa Isabel Municipio Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Santa Isabel

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 Santa Isabel 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 Santa Isabel

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

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

  • Ponce Neighborhood Housing Services, Inc.

    57 Calle Mendez Vigo, Ponce · 14 miles away

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

  • One Stop Career Center of Puerto Rico

    839 Calle Anasco Ste 5, San Juan · 38 miles away · Spanish

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

  • CCCS of Puerto Rico

    1607 Avenue Ponce de Leon, Santurce · 40 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 Santa Isabel

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 Santa Isabel

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

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

Cities

Nearby cities

The cities closest to Santa Isabel, with the typical home value.

Everything about Santa Isabel Municipio Housing in Puerto Rico

Neighboring counties

If Santa Isabel 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 Santa Isabel.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Santa Isabel

Short answers with the numbers for Santa Isabel and all of Santa Isabel 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 Santa Isabel?

The typical home value in Santa Isabel is $98,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Santa Isabel Municipio it is $108,200.

How much does it cost to rent in Santa Isabel?

Typical rent in Santa Isabel is $327 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Santa Isabel Municipio is $517.

What is the FHA loan limit in Santa Isabel?

Santa Isabel uses the FHA limit for all of Santa Isabel 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 Santa Isabel?

The typical homeowner in Santa Isabel pays $199 a year, according to the U.S. Census Bureau. That is 0.2% of the home’s value; in Santa Isabel Municipio, the rate is 0.97%.

Where can I find free help to buy or rent in Santa Isabel?

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