The typical owner-occupied home in Naguabo Municipio is worth about $105,500, 20% below the Puerto Rico median of $131,500 and 68% below the national median of $332,700. Owners pay a median $333 a year in property taxes, about 0.32% of their home's value, lower than the Puerto Rico rate of 0.49%. The median household earns $23,395 a year, so the median home costs 4.5 times the median income (5.0 times for Puerto Rico). 73% of occupied homes here are lived in by their owners, and 30% of those owners still have a mortgage.
Naguabo Municipio at a glance
| Naguabo Municipio | Puerto Rico | U.S. | |
|---|---|---|---|
| Median home value | $105,500 | $131,500 | $332,700 |
| Median property tax paid per year | $333 | $646 | $3,119 |
| Property tax as a share of value | 0.32% | 0.49% | 0.94% |
| Median household income | $23,395 | $26,297 | $80,734 |
| Homes lived in by their owners | 73% | 68% | 65% |
| Owner homes with a mortgage | 30% | 37% | 61% |
| Median monthly costs, owners with a mortgage | $700 | $946 | $1,963 |
| Those costs as a share of the owners' income | 23.8% | 24.1% | 21.0% |
| Median rent | $528 | $578 | $1,413 |
| Rent as a share of renters' income | 32.6% | 30.4% | 30.6% |
| Median year homes were built | 1986 | 1979 | 1980 |
| Vacant homes | 26.3% | 21.0% | 10.1% |
| Population | 23,054 | 3,234,309 | 334,922,499 |
What a typical home costs per month in Naguabo Municipio
At this week's average 30-year rate of 7.11%, buying the median Naguabo Municipio home of $105,500 with 20% down costs about $640 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $816, 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 $27,422 for the 20%-down payment. That payment is 33% of the median Naguabo Municipio household income of $23,395; at that income and 20% down, the 28% guideline points to a home of about $90,000.
The median rent here is $528 a month, so owning the median home costs about $112 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $21,100 |
|---|---|
| Loan amount | $84,400 |
| Principal and interest | $568 |
| Property taxes (0.32% a year) | $28 |
| Homeowners insurance (our estimate, 0.5% a year) | $44 |
| PMI | $0 |
| Total per month | $640 |
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| Down payment | $3,692 |
|---|---|
| Loan amount | $103,589 |
| Principal and interest | $697 |
| Property taxes (0.32% a year) | $28 |
| Homeowners insurance (our estimate, 0.5% a year) | $44 |
| FHA mortgage insurance | $47 |
| Total per month | $816 |
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Questions about home buying in Naguabo Municipio
What is the median home value in Naguabo Municipio?
About $105,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Naguabo Municipio?
Homeowners pay a median $333 a year, which is about 0.32% 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 Naguabo Municipio?
For the median home with 20% down at 7.11%, the payment is about $640 a month. Keeping that under 28% of gross income takes about $27,422 a year.
More about Naguabo Municipio
- Mortgage Refinance in Naguabo Municipio
- Debt Relief in Naguabo Municipio
- Home Equity Loans in Naguabo 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