The typical owner-occupied home in Humacao Municipio is worth about $120,100, 9% below the Puerto Rico median of $131,500 and 64% below the national median of $332,700. Owners pay a median $865 a year in property taxes, about 0.72% of their home's value, higher than the Puerto Rico rate of 0.49%. The median household earns $27,038 a year, so the median home costs 4.4 times the median income (5.0 times for Puerto Rico). 74% of occupied homes here are lived in by their owners, and 33% of those owners still have a mortgage.
Humacao Municipio at a glance
| Humacao Municipio | Puerto Rico | U.S. | |
|---|---|---|---|
| Median home value | $120,100 | $131,500 | $332,700 |
| Median property tax paid per year | $865 | $646 | $3,119 |
| Property tax as a share of value | 0.72% | 0.49% | 0.94% |
| Median household income | $27,038 | $26,297 | $80,734 |
| Homes lived in by their owners | 74% | 68% | 65% |
| Owner homes with a mortgage | 33% | 37% | 61% |
| Median monthly costs, owners with a mortgage | $882 | $946 | $1,963 |
| Those costs as a share of the owners' income | 23.0% | 24.1% | 21.0% |
| Median rent | $568 | $578 | $1,413 |
| Rent as a share of renters' income | 28.3% | 30.4% | 30.6% |
| Median year homes were built | 1984 | 1979 | 1980 |
| Vacant homes | 27.0% | 21.0% | 10.1% |
| Population | 50,100 | 3,234,309 | 334,922,499 |
What a typical home costs per month in Humacao Municipio
At this week's average 30-year rate of 7.11%, buying the median Humacao Municipio home of $120,100 with 20% down costs about $768 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $969, 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 $32,933 for the 20%-down payment. That payment is 34% of the median Humacao Municipio household income of $27,038; at that income and 20% down, the 28% guideline points to a home of about $99,000.
The median rent here is $568 a month, so owning the median home costs about $200 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $24,020 |
|---|---|
| Loan amount | $96,080 |
| Principal and interest | $646 |
| Property taxes (0.72% a year) | $72 |
| Homeowners insurance (our estimate, 0.5% a year) | $50 |
| PMI | $0 |
| Total per month | $768 |
Change the numbers in the calculator
| Down payment | $4,204 |
|---|---|
| Loan amount | $117,925 |
| Principal and interest | $793 |
| Property taxes (0.72% a year) | $72 |
| Homeowners insurance (our estimate, 0.5% a year) | $50 |
| FHA mortgage insurance | $53 |
| Total per month | $969 |
Change the numbers in the calculator
Questions about home buying in Humacao Municipio
What is the median home value in Humacao Municipio?
About $120,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Humacao Municipio?
Homeowners pay a median $865 a year, which is about 0.72% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Humacao Municipio?
For the median home with 20% down at 7.11%, the payment is about $768 a month. Keeping that under 28% of gross income takes about $32,933 a year.
More about Humacao Municipio
- Mortgage Refinance in Humacao Municipio
- Debt Relief in Humacao Municipio
- Home Equity Loans in Humacao 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