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Ponce zona urbana, PR

ZIP 00728 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 00728

Median Home Value
$108,500
Median Rent
$387
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$697/mo PITI).

23%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.3x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

23.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 00728 in Ponce zona urbana, PR, a household would need roughly $30,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $697. That is about 47% above the local median household income ($20,351), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.1%+15% vs US avg
x
Vacancy Rate
16.1%+57% vs US avg
x
Broadband Access
82.6%-5% vs US avg
x
4+ Bedrooms
1.8%-88% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
0.2%-98% vs US avg
x
Rent Burden >30%
21.6%-56% vs US avg
x
Mortgage-Free
73.5%+92% vs US avg
x
$108,500
Home Value
$387
Rent
1978
Year Built
2002
Moved In

Residents have lived here since ~2002 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached82.5%
  • 1-unit attached6.7%
  • 2-9 units6.6%
  • 10+ units4.0%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$108,500
Median rent$387
Owner-occupied75.1%
Vacant16.1%
Price-to-income5.3x
Est. income to buy$30,000