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City · 7,432 residents · Utuado Municipio, Puerto Rico

Utuado , Puerto Rico

In Utuado, a typical home is worth $103,000 and typical rent is $489 a month. Compared with all of Utuado Municipio, typical household income is 14% lower and the share of households that own their home is 14 points lower.

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  • Typical home value

    $103,000

    About the same as the municipio

    22% below Puerto Rico

    • Utuado
    • Municipio
    • Puerto Rico

  • Typical rent

    $489a month

    3% above the municipio

    15% below Puerto Rico

    • Utuado
    • Municipio
    • Puerto Rico

  • Typical household income

    $17,985a year

    14% below the municipio

    32% below Puerto Rico

    • Utuado
    • Municipio
    • Puerto Rico

  • Households that own their home

    52%

    14 points below the municipio

    16 points below Puerto Rico

    • Utuado
    • Municipio
    • Puerto Rico

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

Utuado is in Utuado 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 Utuado Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Utuado apart

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

  1. 52% of households in Utuado own their home, against 65% in Utuado Municipio.

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

The homes here

Housing in Utuado

What homes there are in Utuado, 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 Utuado, 6 in 10 homes are single-family detached houses; in Utuado Municipio, 8.

Year built

The typical home in Utuado was built in 1976, 8 years before the typical one in Utuado 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

Measured against HUD's 2-bedroom fair market rent ($517), about 54% of rented homes in Utuado cost less.

With a mortgage

$761 a month

Utuado Municipio: $718 a month

Without a mortgage

$144 a month

Utuado Municipio: $141 a month

Owners with a mortgage

26%

Utuado Municipio: 23%

Owning costs more in Utuado: with a mortgage, the typical cost is $761 a month; in Utuado Municipio, $718. Without one, $144.

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 Census does not compare Utuado with 2015–2019 because its boundaries changed. In Utuado Municipio, over that time, 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

MeasureUtuadoUtuado 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 estimate2.3%2.3%3.4%
People per household 2.222.432.482.53
Drive alone 87%88%83%69%
Carpool Unreliable estimate5%6%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home Unreliable estimateUnreliable estimate6%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.22 on average, against 2.43 in Utuado Municipio.

To get to work, 87% of workers in Utuado drive alone; in Utuado Municipio, 88%.

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 Utuado?

A typical home costs more than the typical income allows

We start with a typical home in Utuado, worth $103,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 52% of the typical household income in Utuado, which is $17,985 a year. For that payment to be 28% of income, a household would need to earn about $33,154 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Utuado. 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 $3,605 (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

$792

at 7.18% · 30 years

Loan amount
$101,134
Total interest
$145,509
Paid off in
November 2056

Includes $1,739 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $420 a month

  • Tight

    $420 to $540 a month

  • Hard

    more than $540 a month

    Your payment · 53%

Compared with the typical household income in Utuado ($17,985 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$792
Principal & interest$685
Property tax$18
Home insurance$43
FHA mortgage insurance (MIP)$46

You need at least $3,605 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

Utuado and Utuado Municipio

Utuado is in Utuado 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).

Utuado's own numbers

Typical home value
$103,000
Typical monthly rent
$489
Typical yearly household income
$17,985
Households that own their home
52%

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

Numbers for all of Utuado 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 Utuado Municipio.

Everything about Utuado Municipio

Buying

Buying a home in Utuado

A typical home in Utuado is worth $103,000: about the same as the municipio and 22% below Puerto Rico. With the typical household income in Utuado ($17,985 a year), a typical home costs 5.7 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.

  • Utuado 5.7 years
  • Municipio 5.0 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 Utuado Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

Utuado next to Utuado 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
  • Utuado $103,000
  • Municipio $104,000
  • Puerto Rico $131,500
  • United States $332,700
Typical monthly rent
  • Utuado $489
  • Municipio $476
  • Puerto Rico $578
  • United States $1,413
Typical yearly household income
  • Utuado $17,985
  • Municipio $20,800
  • Puerto Rico $26,297
  • United States $80,734
See the full table
Utuado next to Utuado Municipio and Puerto Rico
Measure Utuado Utuado Municipio Puerto Rico U.S.
Typical home value $103,000 $104,000 $131,500 $332,700
Typical monthly rent $489 $476 $578 $1,413
Typical yearly household income $17,985 $20,800 $26,297 $80,734
Households that own their home 52% 65% 68% 65%

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

For a typical $103,000 home in Utuado, 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 Utuado's rate.

  • FHA, 3.5% down $774a month

    Least cash to close
    Down payment
    $3,605
    Cash to close
    $6,695
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $46

  • Conventional, 5% down $755a month

    Down payment
    $5,150
    Cash to close
    $8,240
    Rate
    7.18%
    Mortgage insurance
    PMI · $49

  • Conventional, 20% down, no PMI $601a month

    Down payment
    $20,600
    Cash to close
    $23,690
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $696a month

    Down payment
    $15,450
    Cash to close
    $18,540
    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 Utuado and for Utuado 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 Utuado Municipio

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

FEMA does not publish these numbers for Utuado Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Utuado

Typical rent in Utuado is $489 a month: 3% above the municipio.

HUD publishes a fair market rent for all of Utuado 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 Utuado 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 Utuado

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Utuado is in ZIP code 00641.

For 2 bedrooms it is $520: $3 more than the fair market rent for Utuado Municipio ($517).

  • 00641 $520$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 Utuado 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 Utuado

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

  • Fernando Luis Garcia 1 Res Fernando L Garcia, Utuado 00641 200 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $132 a month · Average wait: 18 months (787) 759-9407
  • Jardines de Utuado 1 Res Jard De Utuado, Utuado 00641 100 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $128 a month · Average wait: 18 months (787) 759-9407
  • San Alberto Gardens 70 Bda Los Pinos, Utuado 00641 60 low-income homes · For families (787) 894-1635
  • Valle Dorado Bo. Vivi Abajo, Utuado 00641 32 low-income homes · For older adults (787) 501-4438

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

Free help

Help to buy or rent in Utuado

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

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Utuado

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

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

  • Corporacion Desarrollo Economico,vivienda y Salud

    68 Calle Puro Girau, Arecibo · 14 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 · 19 miles away

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

  • Centro de Apoyo Familiar (CAF) PR

    92 Calle La Paz, Aguada · 32 miles away · Spanish

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

All counseling agencies in Puerto Rico

Help in Spanish near Utuado

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 Utuado

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

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

Cities

Nearby cities

The cities closest to Utuado, with the typical home value.

Everything about Utuado Municipio Housing in Puerto Rico

Neighboring counties

If Utuado 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 Utuado.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Utuado

Short answers with the numbers for Utuado and all of Utuado 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 Utuado?

The typical home value in Utuado is $103,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Utuado Municipio it is $104,000.

How much does it cost to rent in Utuado?

Typical rent in Utuado is $489 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Utuado Municipio is $517.

What is the FHA loan limit in Utuado?

Utuado uses the FHA limit for all of Utuado Municipio (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

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

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