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Guaynabo zona urbana, PR

ZIP 00965 — 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 00965

Median Home Value
$102,200
Median Rent
$411
Affordability Snapshot
$28,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$657/mo PITI).

30%
Rent-to-Income Ratio

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

6.2x
Home Price-to-Income Ratio

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

20.7 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 00965 in Guaynabo zona urbana, PR, a household would need roughly $28,000 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 $657. That is about 70% above the local median household income ($16,516), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
61.6%-6% vs US avg
x
Vacancy Rate
21.2%+106% vs US avg
x
Broadband Access
65.5%-25% vs US avg
x
4+ Bedrooms
1.7%-88% vs US avg
x
Built Pre-1939
9.7%-24% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
13.0%-74% vs US avg
x
Mortgage-Free
74.2%+94% vs US avg
x
$102,200
Home Value
$411
Rent
1969
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached61.8%
  • 1-unit attached20.2%
  • 2-9 units12.1%
  • 10+ units4.7%
  • Mobile home & other1.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$102,200
Median rent$411
Owner-occupied61.6%
Vacant21.2%
Price-to-income6.2x
Est. income to buy$28,000