Español

Este sitio también está en español. Leer en español

City · 8,388 residents · Vega Alta Municipio, Puerto Rico

Vega Alta , Puerto Rico

In Vega Alta, a typical home is worth $123,900 and typical rent is $666 a month. Compared with all of Vega Alta Municipio, the typical home value is 12% lower and the share of households that own their home is 6 points lower.

WhatsApp

  • Typical home value

    $123,900

    12% below the municipio

    6% below Puerto Rico

    • Vega Alta
    • Municipio
    • Puerto Rico

  • Typical rent

    $666a month

    About the same as the municipio

    15% above Puerto Rico

    • Vega Alta
    • Municipio
    • Puerto Rico

  • Typical household income

    $25,197a year

    About the same as the municipio

    4% below Puerto Rico

    • Vega Alta
    • Municipio
    • Puerto Rico

  • Households that own their home

    64%

    6 points below the municipio

    4 points below Puerto Rico

    • Vega Alta
    • Municipio
    • Puerto Rico

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

Vega Alta is in Vega Alta 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 Vega Alta Municipio. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Vega Alta apart

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

  1. Nearby, in Corozal, the typical rent is $457: 31% less than in Vega Alta ($666).

  2. 64% of households in Vega Alta own their home, against 69% in Vega Alta Municipio.

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

The homes here

Housing in Vega Alta

What homes there are in Vega Alta, 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 Vega Alta (70%), but less so than in Vega Alta Municipio (73%).

Year built

The typical home in Vega Alta was built in 1978, 8 years before the typical one in Vega Alta 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

With a mortgage

$856 a month

Vega Alta Municipio: $1,034 a month

Without a mortgage

$177 a month

Vega Alta Municipio: $197 a month

Owners with a mortgage

46%

Vega Alta Municipio: 35%

Owning costs less in Vega Alta: with a mortgage, the typical cost is $856 a month; in Vega Alta Municipio, $1,034. Without one, $177.

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

From 2015–2019 to 2020–2024, the typical home value in Vega Alta did not change clearly: the difference is within the Census margin of error.

The typical rent in Vega Alta rose 21% over the same time; in Vega Alta Municipio, it rose 28%.

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

MeasureVega AltaVega Alta 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 estimate3.5%2.3%3.4%
People per household 2.172.482.482.53
Drive alone 84%83%83%69%
Carpool Unreliable estimate5%6%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home Unreliable estimate8%6%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.17 on average, against 2.48 in Vega Alta Municipio.

To get to work, 84% of workers in Vega Alta drive alone; in Vega Alta 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 Vega Alta?

A typical home costs more than the typical income allows

We start with a typical home in Vega Alta, worth $123,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Vega Alta, which is $25,197 a year. For that payment to be 28% of income, a household would need to earn about $40,634 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Vega Alta. 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 $4,337 (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

$948

at 7.18% · 30 years

Loan amount
$121,655
Total interest
$175,034
Paid off in
November 2056

Includes $2,092 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $588 a month

  • Tight

    $588 to $756 a month

  • Hard

    more than $756 a month

    Your payment · 45%

Compared with the typical household income in Vega Alta ($25,197 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$948
Principal & interest$824
Property tax$18
Home insurance$52
FHA mortgage insurance (MIP)$55

You need at least $4,337 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

Vega Alta and Vega Alta Municipio

Vega Alta is in Vega Alta 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).

Vega Alta's own numbers

Typical home value
$123,900
Typical monthly rent
$666
Typical yearly household income
$25,197
Households that own their home
64%
Effective property tax rate
0.17%

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

Numbers for all of Vega Alta 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 Vega Alta Municipio.

Everything about Vega Alta Municipio

Buying

Buying a home in Vega Alta

A typical home in Vega Alta is worth $123,900: 12% below the municipio and 6% below Puerto Rico. With the typical household income in Vega Alta ($25,197 a year), a typical home costs 4.9 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.

  • Vega Alta 4.9 years
  • Municipio 5.5 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 Vega Alta Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

Vega Alta next to Vega Alta 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
  • Vega Alta $123,900
  • Municipio $140,700
  • Puerto Rico $131,500
  • United States $332,700
Typical monthly rent
  • Vega Alta $666
  • Municipio $667
  • Puerto Rico $578
  • United States $1,413
Typical yearly household income
  • Vega Alta $25,197
  • Municipio $25,538
  • Puerto Rico $26,297
  • United States $80,734
See the full table
Vega Alta next to Vega Alta Municipio and Puerto Rico
Measure Vega Alta Vega Alta Municipio Puerto Rico U.S.
Typical home value $123,900 $140,700 $131,500 $332,700
Typical monthly rent $666 $667 $578 $1,413
Typical yearly household income $25,197 $25,538 $26,297 $80,734
Households that own their home 64% 69% 68% 65%
Typical yearly property tax $216 — $646 $3,119
Effective property tax rate 0.17% — 0.49% 0.94%

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

For a typical $123,900 home in Vega Alta, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Vega Alta's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $948a month

    Least cash to close
    Down payment
    $4,337
    Cash to close
    $8,054
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $55

  • Conventional, 5% down $925a month

    Down payment
    $6,195
    Cash to close
    $9,912
    Rate
    7.18%
    Mortgage insurance
    PMI · $59

  • Conventional, 20% down, no PMI $741a month

    Down payment
    $24,780
    Cash to close
    $28,497
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $855a month

    Down payment
    $18,585
    Cash to close
    $22,302
    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 Vega Alta and for Vega Alta Municipio.

Property tax

Effective rate in Vega Alta

0.17%of the home’s value each year

$216 a year for the typical owner in Vega Alta.

  • Vega Alta 0.17%
  • Municipio —
  • 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 Vega Alta Municipio

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

FEMA does not publish these numbers for Vega Alta Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Vega Alta

Typical rent in Vega Alta is $666 a month: about the same as the municipio.

HUD publishes a fair market rent for all of Vega Alta 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 Vega Alta 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 Vega Alta

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Vega Alta is in ZIP code 00692.

For 2 bedrooms it is $670: $36 less than the fair market rent for Vega Alta Municipio ($706).

  • 00692 $670$870

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

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

  • Francisco Vega Sanchez 2 Carr 676, Vega Alta 00692 100 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $124 a month (787) 759-9407
  • El Batey 550 Carr 2, Vega Alta 00692 91 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $136 a month · Average wait: 17 months (787) 759-9407
  • Las Violetas 8 Res Las Violetas, Vega Alta 00692 88 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $145 a month · Average wait: 14 months (787) 759-9407
  • Alturas de Monte Verde Apts Km 0.6, Vega Alta 00692 60 low-income homes · For families (787) 883-6374

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

Free help

Help to buy or rent in Vega Alta

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

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 Vega Alta

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

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

  • Puerto Rico Neighborhood Housing Services, Corp.

    274 Calle Canals St., San Juan · 17 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (787) 721-8920

  • CCCS of Puerto Rico

    1607 Avenue Ponce de Leon, Santurce · 17 miles away · Spanish

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

  • Greenpath Financial Wellness - San Juan Branch

    1607 Ave Ponce De Leon, San Juan · 17 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (888) 279-8273

All counseling agencies in Puerto Rico

Help in Spanish near Vega Alta

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 Vega Alta

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

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

Cities

Nearby cities

The cities closest to Vega Alta, with the typical home value.

Everything about Vega Alta Municipio Housing in Puerto Rico

Neighboring counties

If Vega Alta 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 Vega Alta.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Vega Alta

Short answers with the numbers for Vega Alta and all of Vega Alta 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 Vega Alta?

The typical home value in Vega Alta is $123,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Vega Alta Municipio it is $140,700.

How much does it cost to rent in Vega Alta?

Typical rent in Vega Alta is $666 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Vega Alta Municipio is $706.

What is the FHA loan limit in Vega Alta?

Vega Alta uses the FHA limit for all of Vega Alta 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 Vega Alta?

The typical homeowner in Vega Alta pays $216 a year, according to the U.S. Census Bureau. That is 0.17% of the home’s value; in Vega Alta Municipio, the rate is Data not available for this place.

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

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