The typical owner-occupied home in Guánica Municipio is worth about $87,200, 34% below the Puerto Rico median of $131,500 and 74% below the national median of $332,700. The median household earns $17,633 a year, so the median home costs 4.9 times the median income (5.0 times for Puerto Rico). 69% of occupied homes here are lived in by their owners, and 14% of those owners still have a mortgage.
Guánica Municipio at a glance
| Guánica Municipio | Puerto Rico | U.S. | |
|---|---|---|---|
| Median home value | $87,200 | $131,500 | $332,700 |
| Median property tax paid per year | – | $646 | $3,119 |
| Median household income | $17,633 | $26,297 | $80,734 |
| Homes lived in by their owners | 69% | 68% | 65% |
| Owner homes with a mortgage | 14% | 37% | 61% |
| Median monthly costs, owners with a mortgage | $671 | $946 | $1,963 |
| Those costs as a share of the owners' income | 20.6% | 24.1% | 21.0% |
| Median rent | $349 | $578 | $1,413 |
| Rent as a share of renters' income | 32.5% | 30.4% | 30.6% |
| Median year homes were built | 1981 | 1979 | 1980 |
| Vacant homes | 36.7% | 21.0% | 10.1% |
| Population | 12,855 | 3,234,309 | 334,922,499 |
What a typical home costs per month in Guánica Municipio
At this week's average 30-year rate of 7.11%, buying the median Guánica Municipio home of $87,200 with 20% down costs about $586 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $731, 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 $25,095 for the 20%-down payment. That payment is 40% of the median Guánica Municipio household income of $17,633; at that income and 20% down, the 28% guideline points to a home of about $61,000.
The median rent here is $349 a month, so owning the median home costs about $237 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $17,440 |
|---|---|
| Loan amount | $69,760 |
| Principal and interest | $469 |
| Property taxes (1.10% a year) | $80 |
| Homeowners insurance (our estimate, 0.5% a year) | $36 |
| PMI | $0 |
| Total per month | $586 |
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| Down payment | $3,052 |
|---|---|
| Loan amount | $85,621 |
| Principal and interest | $576 |
| Property taxes (1.10% a year) | $80 |
| Homeowners insurance (our estimate, 0.5% a year) | $36 |
| FHA mortgage insurance | $39 |
| Total per month | $731 |
Change the numbers in the calculator
Questions about home buying in Guánica Municipio
What is the median home value in Guánica Municipio?
About $87,200 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 Guánica Municipio?
For the median home with 20% down at 7.11%, the payment is about $586 a month. Keeping that under 28% of gross income takes about $25,095 a year.
More about Guánica Municipio
- Mortgage Refinance in Guánica Municipio
- Debt Relief in Guánica Municipio
- Home Equity Loans in Guánica 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