The typical owner-occupied home in Camuy Municipio is worth about $109,600, 17% below the Puerto Rico median of $131,500 and 67% below the national median of $332,700. The median household earns $27,411 a year, so the median home costs 4.0 times the median income (5.0 times for Puerto Rico). 76% of occupied homes here are lived in by their owners, and 29% of those owners still have a mortgage.
Camuy Municipio at a glance
| Camuy Municipio | Puerto Rico | U.S. | |
|---|---|---|---|
| Median home value | $109,600 | $131,500 | $332,700 |
| Median property tax paid per year | – | $646 | $3,119 |
| Median household income | $27,411 | $26,297 | $80,734 |
| Homes lived in by their owners | 76% | 68% | 65% |
| Owner homes with a mortgage | 29% | 37% | 61% |
| Median monthly costs, owners with a mortgage | $811 | $946 | $1,963 |
| Those costs as a share of the owners' income | 22.4% | 24.1% | 21.0% |
| Median rent | $611 | $578 | $1,413 |
| Rent as a share of renters' income | 29.5% | 30.4% | 30.6% |
| Median year homes were built | 1986 | 1979 | 1980 |
| Vacant homes | 15.7% | 21.0% | 10.1% |
| Population | 32,734 | 3,234,309 | 334,922,499 |
What a typical home costs per month in Camuy Municipio
At this week's average 30-year rate of 7.11%, buying the median Camuy Municipio home of $109,600 with 20% down costs about $736 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $919, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $31,541 for the 20%-down payment. That payment is 32% of the median Camuy Municipio household income of $27,411; at that income and 20% down, the 28% guideline points to a home of about $95,000.
The median rent here is $611 a month, so owning the median home costs about $125 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $21,920 |
|---|---|
| Loan amount | $87,680 |
| Principal and interest | $590 |
| Property taxes (1.10% a year) | $100 |
| Homeowners insurance (our estimate, 0.5% a year) | $46 |
| PMI | $0 |
| Total per month | $736 |
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| Down payment | $3,836 |
|---|---|
| Loan amount | $107,615 |
| Principal and interest | $724 |
| Property taxes (1.10% a year) | $100 |
| Homeowners insurance (our estimate, 0.5% a year) | $46 |
| FHA mortgage insurance | $48 |
| Total per month | $919 |
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Questions about home buying in Camuy Municipio
What is the median home value in Camuy Municipio?
About $109,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Camuy Municipio?
For the median home with 20% down at 7.11%, the payment is about $736 a month. Keeping that under 28% of gross income takes about $31,541 a year.
More about Camuy Municipio
- Mortgage Refinance in Camuy Municipio
- Debt Relief in Camuy Municipio
- Home Equity Loans in Camuy Municipio
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data