The typical owner-occupied home in Cidra Municipio is worth about $153,900, 17% above the Puerto Rico median of $131,500 and 54% below the national median of $332,700. The median household earns $29,246 a year, so the median home costs 5.3 times the median income (5.0 times for Puerto Rico). 66% of occupied homes here are lived in by their owners, and 39% of those owners still have a mortgage.
Cidra Municipio at a glance
| Cidra Municipio | Puerto Rico | U.S. | |
|---|---|---|---|
| Median home value | $153,900 | $131,500 | $332,700 |
| Median property tax paid per year | – | $646 | $3,119 |
| Median household income | $29,246 | $26,297 | $80,734 |
| Homes lived in by their owners | 66% | 68% | 65% |
| Owner homes with a mortgage | 39% | 37% | 61% |
| Median monthly costs, owners with a mortgage | $933 | $946 | $1,963 |
| Those costs as a share of the owners' income | 22.9% | 24.1% | 21.0% |
| Median rent | $577 | $578 | $1,413 |
| Rent as a share of renters' income | 24.7% | 30.4% | 30.6% |
| Median year homes were built | 1991 | 1979 | 1980 |
| Vacant homes | 13.2% | 21.0% | 10.1% |
| Population | 39,643 | 3,234,309 | 334,922,499 |
What a typical home costs per month in Cidra Municipio
At this week's average 30-year rate of 7.11%, buying the median Cidra Municipio home of $153,900 with 20% down costs about $1,033 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,290, 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 $44,290 for the 20%-down payment. That payment is 42% of the median Cidra Municipio household income of $29,246; at that income and 20% down, the 28% guideline points to a home of about $102,000.
The median rent here is $577 a month, so owning the median home costs about $456 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $30,780 |
|---|---|
| Loan amount | $123,120 |
| Principal and interest | $828 |
| Property taxes (1.10% a year) | $141 |
| Homeowners insurance (our estimate, 0.5% a year) | $64 |
| PMI | $0 |
| Total per month | $1,033 |
Change the numbers in the calculator
| Down payment | $5,386 |
|---|---|
| Loan amount | $151,112 |
| Principal and interest | $1,017 |
| Property taxes (1.10% a year) | $141 |
| Homeowners insurance (our estimate, 0.5% a year) | $64 |
| FHA mortgage insurance | $68 |
| Total per month | $1,290 |
Change the numbers in the calculator
Questions about home buying in Cidra Municipio
What is the median home value in Cidra Municipio?
About $153,900 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 Cidra Municipio?
For the median home with 20% down at 7.11%, the payment is about $1,033 a month. Keeping that under 28% of gross income takes about $44,290 a year.
More about Cidra Municipio
- Mortgage Refinance in Cidra Municipio
- Debt Relief in Cidra Municipio
- Home Equity Loans in Cidra 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