The typical owner-occupied home in Villalba Municipio is worth about $104,200, 21% below the Puerto Rico median of $131,500 and 69% below the national median of $332,700. Owners pay a median $480 a year in property taxes, about 0.46% of their home's value, lower than the Puerto Rico rate of 0.49%. The median household earns $26,286 a year, so the median home costs 4.0 times the median income (5.0 times for Puerto Rico). 78% of occupied homes here are lived in by their owners, and 26% of those owners still have a mortgage.
Villalba Municipio at a glance
| Villalba Municipio | Puerto Rico | U.S. | |
|---|---|---|---|
| Median home value | $104,200 | $131,500 | $332,700 |
| Median property tax paid per year | $480 | $646 | $3,119 |
| Property tax as a share of value | 0.46% | 0.49% | 0.94% |
| Median household income | $26,286 | $26,297 | $80,734 |
| Homes lived in by their owners | 78% | 68% | 65% |
| Owner homes with a mortgage | 26% | 37% | 61% |
| Median monthly costs, owners with a mortgage | $786 | $946 | $1,963 |
| Those costs as a share of the owners' income | 25.2% | 24.1% | 21.0% |
| Median rent | $517 | $578 | $1,413 |
| Rent as a share of renters' income | 26.8% | 30.4% | 30.6% |
| Median year homes were built | 1986 | 1979 | 1980 |
| Vacant homes | 19.5% | 21.0% | 10.1% |
| Population | 21,556 | 3,234,309 | 334,922,499 |
What a typical home costs per month in Villalba Municipio
At this week's average 30-year rate of 7.11%, buying the median Villalba Municipio home of $104,200 with 20% down costs about $644 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $818, 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 $27,606 for the 20%-down payment. That payment is 29% of the median Villalba Municipio household income of $26,286; at that income and 20% down, the 28% guideline points to a home of about $99,000.
The median rent here is $517 a month, so owning the median home costs about $127 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $20,840 |
|---|---|
| Loan amount | $83,360 |
| Principal and interest | $561 |
| Property taxes (0.46% a year) | $40 |
| Homeowners insurance (our estimate, 0.5% a year) | $43 |
| PMI | $0 |
| Total per month | $644 |
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| Down payment | $3,647 |
|---|---|
| Loan amount | $102,313 |
| Principal and interest | $688 |
| Property taxes (0.46% a year) | $40 |
| Homeowners insurance (our estimate, 0.5% a year) | $43 |
| FHA mortgage insurance | $46 |
| Total per month | $818 |
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Questions about home buying in Villalba Municipio
What is the median home value in Villalba Municipio?
About $104,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Villalba Municipio?
Homeowners pay a median $480 a year, which is about 0.46% 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 Villalba Municipio?
For the median home with 20% down at 7.11%, the payment is about $644 a month. Keeping that under 28% of gross income takes about $27,606 a year.
More about Villalba Municipio
- Mortgage Refinance in Villalba Municipio
- Debt Relief in Villalba Municipio
- Home Equity Loans in Villalba 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