City · 22,756 residents · Vega Baja Municipio, Puerto Rico
Vega Baja, Puerto Rico
In Vega Baja, a typical home is worth $119,100 and typical rent is $628 a month. Home values, rent and income are very close to those of all of Vega Baja Municipio.
Vega Baja is in Vega Baja 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 Baja Municipio. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Manatí, the typical rent is $429: 32% less than in Vega Baja ($628).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Vega Baja
What homes there are in Vega Baja, 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
Vega Baja
Vega Baja Municipio
Puerto Rico
United States
Kind of home: Vega Baja and its comparisons
Measure
Vega Baja
Vega Baja Municipio
Puerto Rico
United States
Detached house
76%
79%
68%
61%
Attached house
16%
12%
12%
6%
Building of 2 to 4
3%
4%
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 Vega Baja, 8 in 10 homes are single-family detached houses; in Vega Baja Municipio, 8.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Vega Baja
Vega Baja Municipio
Puerto Rico
United States
Year built: Vega Baja and its comparisons
Measure
Vega Baja
Vega Baja Municipio
Puerto Rico
United States
Before 1960
12%
10%
14%
26%
1960–1979
52%
44%
39%
24%
1980–1999
30%
34%
31%
25%
2000–2009
5%
11%
13%
14%
2010 or later
Unreliable estimate
2%
3%
11%
By age, homes in Vega Baja look like those in Vega Baja Municipio: the typical year built is 1976.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K31%
$100K–$200K62%
$200K–$300K7%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Vega Baja and its comparisons
Measure
Vega Baja
Under $100K
31%
$100K–$200K
62%
$200K–$300K
7%
$300K–$500K
Unreliable
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50029%
$500–$99962%
HUD fair market rent, 2 bedrooms: $706
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Vega Baja and its comparisons
Measure
Vega Baja
Under $500
29%
$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
About 55% of rented homes in Vega Baja cost less than HUD's 2-bedroom fair market rent for Vega Baja Municipio ($706); the rest cost more.
With a mortgage
$824 a month
Vega Baja Municipio: $861 a month
Without a mortgage
$175 a month
Vega Baja Municipio: $176 a month
Owners with a mortgage
34%
Vega Baja Municipio: 33%
In Vega Baja, 34% of owners have a mortgage; their typical cost is $824 a month, about the same as in Vega Baja Municipio.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Vega Baja+14%
Vega Baja Municipio+15%
Puerto Rico+18%
United States+53%
Typical rent
Vega Baja+34%
Vega Baja Municipio+31%
Puerto Rico+21%
United States+33%
Typical household income
Vega Baja+27%
Vega Baja Municipio+24%
Puerto Rico+28%
United States+29%
Change since 2015–2019: Vega Baja and its comparisons
Measure
Vega Baja
Vega Baja Municipio
Puerto Rico
United States
Typical home value
+14%
+15%
+18%
+53%
Typical rent
+34%
+31%
+21%
+33%
Typical household income
+27%
+24%
+28%
+29%
From 2015–2019 to 2020–2024, home values in Vega Baja rose at about the same pace as in Vega Baja Municipio: 14% against 15%.
Rents in Vega Baja rose at about the same pace as in Vega Baja Municipio: 34% since 2015–2019, against 31%.
While home values in Vega Baja changed +14% and rent +34%, the typical household income rose 27%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Vega Baja and its comparisons
Measure
Vega Baja
Vega Baja Municipio
Puerto Rico
United States
Rental vacancy
Unreliable estimate
8.2%
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
1.4%
1.3%
0.9%
More than one person per room
Unreliable estimate
3.9%
2.3%
3.4%
People per household
2.40
2.48
2.48
2.53
Drive alone
90%
89%
83%
69%
Carpool
Unreliable estimate
3%
6%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
4%
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
By size, households in Vega Baja look like those in Vega Baja Municipio: 2.40 people on average.
To get to work, 90% of workers in Vega Baja drive alone; in Vega Baja Municipio, 89%.
Do the math
What would you pay each month for a home in Vega Baja?
A typical home costs more than the typical income allows
We start with a typical home in Vega Baja, worth $119,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Vega Baja, which is $23,353 a year. For that payment to be 28% of income, a household would need to earn about $38,336 a year.
The calculator's FHA and conventional loan limits are those of all of Vega Baja 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 Vega Baja. 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 $4,169 (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
$926
at 7.18% · 30 years
Loan amount
$116,942
Total interest
$168,253
Paid off in
November 2056
Includes $2,011 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $545 a month
Tight
$545 to $701 a month
Hard
more than $701 a month
Your payment · 48%
Compared with the typical household income in Vega Baja ($23,353 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$792
Property tax
$32
Home insurance
$50
FHA mortgage insurance (MIP)
$53
You need at least $4,169 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 $926; principal and interest $792.
The city and its county
Vega Baja and Vega Baja Municipio
Vega Baja is in Vega Baja 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 Baja
Map of Vega Baja Municipio, Puerto Rico, with Vega Baja marked. Around it, the neighboring counties.
Vega Baja
Vega Baja Municipio
Other cities with a page
Vega Baja's own numbers
Typical home value
$119,100
Typical monthly rent
$628
Typical yearly household income
$23,353
Households that own their home
71%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Vega Baja 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 Baja Municipio.
A typical home in Vega Baja is worth $119,100: 3% below the municipio and 9% below Puerto Rico. With the typical household income in Vega Baja ($23,353 a year), a typical home costs 5.1 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 Baja5.1 years
Municipio5.1 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 Vega Baja Municipio. That usually happens when there are too few sales to measure it.
Data not available for this place
Vega Baja next to Vega Baja 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 Baja$119,100
Municipio$122,700
Puerto Rico$131,500
United States$332,700
Typical monthly rent
Vega Baja$628
Municipio$650
Puerto Rico$578
United States$1,413
Typical yearly household income
Vega Baja$23,353
Municipio$24,244
Puerto Rico$26,297
United States$80,734
See the full table
Vega Baja next to Vega Baja Municipio and Puerto Rico
Measure
Vega Baja
Vega Baja Municipio
Puerto Rico
U.S.
Typical home value
$119,100 ▼3% below the municipio
$122,700
$131,500
$332,700
Typical monthly rent
$628 ▼3% below the municipio
$650
$578
$1,413
Typical yearly household income
$23,353 ▼4% below the municipio
$24,244
$26,297
$80,734
Households that own their home
71% ▼3 points below the municipio
75%
68%
65%
Renters with high rent for their income
51% ▲2 points above the municipio
49%
51%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Vega Baja 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 Baja
For a typical $119,100 home in Vega Baja, 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 Vega Baja's rate.
FHA, 3.5% down$895a month
Least cash to close
Down payment
$4,169
Cash to close
$7,742
Rate
7.18%
Mortgage insurance
FHA MIP · $53
Conventional, 5% down$873a month
Down payment
$5,955
Cash to close
$9,528
Rate
7.18%
Mortgage insurance
PMI · $57
Conventional, 20% down, no PMI$695a month
Down payment
$23,820
Cash to close
$27,393
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$805a month
Down payment
$17,865
Cash to close
$21,438
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Vega Baja
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$895
$4,169
$116,943
7.18%
FHA MIP · $53
$7,742
580
Conventional, 5% down
$873
$5,955
$113,145
7.18%
PMI · $57
$9,528
620*
Conventional, 20% down, no PMI
$695
$23,820
$95,280
7.18%
None
$27,393
620*
ITIN, 15% down (example)
$805
$17,865
$101,235
8.18%
None
$21,438
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 Vega Baja is $628 a month: 3% below the municipio. In Vega Baja, 51% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Vega Baja 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 Baja Municipio
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Vega Baja Municipio (Fiscal year 2027)
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 Baja
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Vega Baja is in ZIP code 00693.
For 2 bedrooms it is $630: $76 less than the fair market rent for Vega Baja Municipio ($706).
Fair market rent by ZIP code and size in Vega Baja, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
00693
$530
$540
$630
$820
$1,000
ZIP code2 bd3 bd
00693 $630$820
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 Baja 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 Vega Baja. These are the largest.
Enrique Catoni30 Res Enrique Catoni, Vega Baja 00693148 low-income homes · Run by Puerto Rico Public Housing Administration · Average payment: $120 a month · Average wait: 17 months(787) 759-9407
El Verde Row HouseCarreterra # 155 KM., Vega Baja 0069389 low-income homes · For families(787) 858-4585
Alturas de Vega BajaVega Baja 006936 low-income homes · Run by Puerto Rico Public Housing Administration(787) 759-9407
Alturas de Vega BajaVega Baja 006933 low-income homes · Run by Puerto Rico Public Housing Administration(787) 759-9407
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 Baja 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 Vega Baja or Vega Baja Municipio. The ones below are statewide in Puerto Rico: they work in Vega Baja 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 Vega Baja or Vega Baja 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 Vega Baja and all of Vega Baja 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 Baja?
The typical home value in Vega Baja is $119,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Vega Baja Municipio it is $122,700.
How much does it cost to rent in Vega Baja?
Typical rent in Vega Baja is $628 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Vega Baja Municipio is $706.
What is the FHA loan limit in Vega Baja?
Vega Baja uses the FHA limit for all of Vega Baja 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 Vega Baja?
We found no HUD-approved counseling agencies with an office in Vega Baja Municipio; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
