Puerto Rico · GEOID 72027

Camuy Municipio

2024 ACS 5-year estimates · population 32,734 · 14,747 housing units

Median household income

$27,411

State $27,233

Median home value

$109,600

State $134,630

Median gross rent

$611

State $587

Homeownership rate

75.9%

State 67.9%

Renter cost-burden rate

48.3%

≥30% of income

Owner cost-burden rate

15.7%

≥30% of income

Homeowner vacancy

0.2%

Of owner-occupied + for-sale units

Rental vacancy

2.7%

Of renter-occupied + for-rent units

Overall vacancy

15.7%

All housing units

Price-to-income ratio

4.00

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	Camuy Municipio	Puerto Rico
Population	32,734	3,234,309
Population density (per sq. mi.)	704.99	—
Median household income	$27,411	$27,233
HUD Area Median Income (4-person, 100%)	$32,700	—
Households	12,431	—
Average household size	2.62 people	—
Owner-occupied	75.9%	67.9%
Renter-occupied	24.1%	32.1%
Race	69.5% White · 1.9% Black	0.0% White · 0.0% Black

Source: ACS 5-year 2024 (Tables DP05, S1101, DP04, S1901) and Census Gazetteer (land area); HUD FY2026 Income Limits.

Racial composition

Camuy Municipio compared with Puerto Rico.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

22.8% hold a bachelor's degree or higher (state: 29.8%).

Source: ACS 5-year 2024, Table S1501.

Median Household Income by Tenure

Owner-occupied vs. renter-occupied household income, county and state.

Source: ACS 5-year 2024, Table B25119.

Median Household Income by Age of Householder

Median household income by age group of householder.

Source: ACS 5-year 2024, Table B19049.

Median Household Income by Number of Earners

Median household income for families with each earner count.

Source: ACS 5-year 2024, Table S1903.

Household Size

Distribution of households by number of people.

Source: ACS 5-year 2024, Table S2501.

Income by Number of Earners

Earners	Share	Median income	Attainable monthly housing cost	Attainable home
0 earners	36.7%	$24,463	$612	$60,040
1 earner	34.0%	$29,346	$734	$78,216
2 earners	23.4%	$50,473	$1,262	$156,858
3+ earners	5.9%	$58,389	$1,460	$186,324

Attainable monthly housing cost = 30% of gross income ÷ 12. Attainable home price assumes 30% housing budget, 30-yr mortgage at 7%, 5% down.

Source: ACS 5-year 2024, Table S1903; affordability formula derived.

Households

12,431

Average size: 2.62 people

Households with children

2,664

21.4% of households

Per-capita income

$15,830

Poverty rate: 32.9%

Section 2

Residential Market Analysis

Housing stock characteristics — tenure, type, age, size, vacancy, rents.

Tenure

75.9% owner-occupied vs. state average 67.9%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 97.3% · Missing middle (2–19 units) 2.7%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

38.9% built before 1980 · Median structure age 1,986.00 yrs.

Source: ACS 5-year 2024, Table S2504.

Housing size mismatch

Compares the share of housing units by bedroom count against the share of households by size — a common diagnostic of housing supply/demand alignment.

Source: ACS 5-year 2024, Tables B25041 (bedrooms) and S2501 (household size).

Home value distribution

Owner-occupied homes by value bracket. Median: $109,600.

Source: ACS 5-year 2024, Table DP04.

Monthly Housing Costs

Distribution of monthly housing costs across all occupied units.

Source: ACS 5-year 2024, Table B25104.

Number of Bedrooms

Housing units by number of bedrooms.

Source: ACS 5-year 2024, Table B25041.

Median rent by bedroom

Overall median gross rent: $611.

Source: ACS 5-year 2024, Table B25031.

Renters by age

Number of renter householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Owners by age

Number of owner householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Vacancy composition

All 2,316 vacant units split into Census's seven categories. Frictional vacancy (units actively on the market) reflects healthy churn. Structural vacancy (seasonal, migrant, other) sits outside the market for year-round residents — high values change how the headline vacancy rate should be read.

Vacant units by type

For sale 0.7% · For rent 3.6% · Seasonal 32.8% · Other 59.2%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

8.0% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 92.0% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

5.2%

760 units of 14,747 total

Housing units held for seasonal or recreational use.

"Other vacant" share of all housing

9.3%

1,371 units of 14,747 total

⚑ Above the 5% threshold — possible indicator of disinvestment, abandonment, or condemned stock.

Section 3

Workforce Housing Needs Assessment

Affordability, cost burden, and the housing options for households in the workforce income range.

Workforce range — ACS median household income

80% MHI$21,929

100% MHI$27,411

120% MHI$32,893

County-wide median from ACS 5-year estimates. A household at 100% MHI in Camuy Municipio should be able to afford a home up to roughly — (30% housing budget, default mortgage terms).

Workforce range — HUD Area Median Income

	1-person	2-person	4-person
80% AMI	$18,350	$20,950	$26,150
100% AMI	$22,890	$26,160	$32,700
120% AMI	$27,450	$31,400	$39,250

HUD FMR Area: Arecibo, PR MSA. 80% AMI uses HUD's published Section 8 Low Income Limits; 100% is HUD MFI; 120% is the standard workforce convention.

Affordability calculator

Follows the standard 30%-of-gross-income affordability rule.

Income basis Household income Interest rate % Down payment % Taxes & insurance / yr

Affordable monthly—

Affordable home price—

Renter cost burden

48.3% of renter households spend ≥30% of income on rent (27.6% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

15.7% of homeowners spend ≥30% of income on housing. Bars show counts of cost-burdened owners by income bracket.

Source: ACS 5-year 2024, Table B25106.

Household income — owners vs renters

Distribution of household income for owner-occupied (navy) and renter-occupied (gold) households.

Source: ACS 5-year 2024, Table B25118.

Section 4

Industry & Workforce Wages

Employment, average wages, and the housing each industry's typical earner can afford in Camuy Municipio.

Covered employment

4,173

Across 16 sectors

Establishments

364

QCEW 2024

Avg annual pay (workforce)

$25,526

Employment-weighted across sectors

Top 10 sectors by employment

Annual average employment by NAICS 2-digit sector. Counties with fewer than five covered establishments in a sector may show suppressed totals.

Source: BLS QCEW Annual Averages, 2024.

Attainable housing by industry

Industry	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 31-33 Manufacturing NAICS 31-33	923	$21,069	$47,406	−$62,194	$527
NAICS 92 Public administration NAICS 92	583	$22,497	$52,722	−$56,878	$562
NAICS 44-45 Retail trade NAICS 44-45	558	$22,674	$53,381	−$56,219	$567
NAICS 61 Educational services NAICS 61	527	$35,624	$101,585	−$8,015	$891
NAICS 62 Health care and social assistance NAICS 62	455	$30,888	$83,956	−$25,644	$772
NAICS 23 Construction NAICS 23	243	$24,515	$60,234	−$49,366	$613
NAICS 11 Agriculture, forestry, fishing and hunting NAICS 11	185	$15,454	$26,506	−$83,094	$386
NAICS 52 Finance and insurance NAICS 52	171	$36,378	$104,392	−$5,208	$909
NAICS 42 Wholesale trade NAICS 42	158	$20,466	$45,162	−$64,438	$512
NAICS 56 Administrative and support and waste management and remediation services NAICS 56	100	$22,511	$52,774	−$56,826	$563
NAICS 48-49 Transportation and warehousing NAICS 48-49	79	$30,631	$82,999	−$26,601	$766
NAICS 54 Professional, scientific, and technical services NAICS 54	57	$35,301	$100,383	−$9,217	$883
NAICS 81 Other services (except public administration) NAICS 81	48	$18,329	$37,207	−$72,393	$458
NAICS 22 Utilities NAICS 22	36	$41,948	$125,125	+$15,525	$1,049
NAICS 51 Information NAICS 51	34	$24,085	$58,633	−$50,967	$602
NAICS 53 Real estate and rental and leasing NAICS 53	16	$19,792	$42,653	−$66,947	$495

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 611 Educational services NAICS 611	527	$35,624	$101,585	−$8,015	$891
NAICS 921 Executive, legislative, and other general government support NAICS 921	467	$19,947	$43,230	−$66,370	$499
NAICS 621 Ambulatory health care services NAICS 621	381	$33,918	$95,235	−$14,365	$848
NAICS 456 Health and personal care retailers NAICS 456	172	$26,573	$67,894	−$41,706	$664
NAICS 112 Animal production and aquaculture NAICS 112	160	$15,607	$27,075	−$82,525	$390
NAICS 423 Merchant wholesalers, durable goods NAICS 423	116	$19,799	$42,679	−$66,921	$495
NAICS 444 Building material and garden equipment and supplies dealers NAICS 444	106	$28,406	$74,717	−$34,883	$710
NAICS 311 Food manufacturing NAICS 311	94	$13,949	$20,903	−$88,697	$349
NAICS 441 Motor vehicle and parts dealers NAICS 441	93	$23,433	$56,206	−$53,394	$586
NAICS 922 Justice, public order, and safety activities NAICS 922	75	$32,449	$89,767	−$19,833	$811
NAICS 457 Gasoline stations and fuel dealers NAICS 457	70	$14,288	$22,165	−$87,435	$357
NAICS 445 Food and beverage retailers NAICS 445	66	$16,432	$30,146	−$79,454	$411
NAICS 541 Professional, scientific, and technical services NAICS 541	57	$35,301	$100,383	−$9,217	$883
NAICS 221 Utilities NAICS 221	36	$41,948	$125,125	+$15,525	$1,049
NAICS 484 Truck transportation NAICS 484	33	$23,971	$58,209	−$51,391	$599
NAICS 923 Administration of human resource programs NAICS 923	25	$30,964	$84,239	−$25,361	$774
NAICS 812 Personal and laundry services NAICS 812	24	$17,661	$34,721	−$74,879	$442
NAICS 458 Clothing, clothing accessories, shoe, and jewelry retailers NAICS 458	23	$14,954	$24,644	−$84,956	$374
NAICS 924 Administration of environmental quality programs NAICS 924	15	$39,506	$116,035	+$6,435	$988
NAICS 332 Fabricated metal product manufacturing NAICS 332	14	$18,479	$37,766	−$71,834	$462
NAICS 811 Repair and maintenance NAICS 811	12	$23,199	$55,335	−$54,265	$580
NAICS 491 Postal service NAICS 491	10	$76,960	$255,452	+$145,852	$1,924
NAICS 337 Furniture and related product manufacturing NAICS 337	10	$17,775	$35,145	−$74,455	$444

Affordable home price assumes the industry's average earner uses 30% of gross income for housing, with a 30-year mortgage at 7%, 5% down, $2,500/yr taxes & insurance, and 0.5% PMI. Adjust the Section 3 calculator for other terms. Affordable rent is 30% of monthly gross pay.

Source: BLS QCEW Annual Averages, 2024; ACS 5-year 2024 (median home value).

Section 5

Wages by Occupation

Selected essential-worker occupations for the MSA or nonmetropolitan area containing this county — jobs, the 10-year change, wages, and the housing each typical earner can afford. Both jobs counts and wages are reported at the MSA / nonmetropolitan-area level (BLS does not publish OEWS at the county level), so every county inside the same area shows the same numbers. For county-accurate employment totals, see Section 4 above.

Occupational wages and affordable housing

Occupation	2025 jobs	2015–2025 change	% change	Hourly wage	Annual wage	Affordable home price	Affordable monthly rent
Fast Food and Counter Workers SOC 35-3023 · prior-year code differs	1,440	1,260	700%	$10.62	$22,080	$51,170	$552
Childcare Workers SOC 39-9011	100	—	—	$10.99	$22,860	$54,073	$572
Cashiers SOC 41-2011	1,360	(40)	(3%)	$11.39	$23,700	$57,200	$593
Maintenance and Repair Workers, General SOC 49-9071	470	270	135%	$12.32	$25,630	$64,384	$641
Janitors and Cleaners SOC 37-2011	760	100	15%	$12.36	$25,710	$64,682	$643
Office Clerks, General SOC 43-9061	760	70	10%	$12.57	$26,150	$66,320	$654
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	430	140	48%	$12.67	$26,350	$67,064	$659
Construction Laborers SOC 47-2061	350	90	35%	$12.86	$26,760	$68,590	$669
Tellers SOC 43-3071	150	10	7%	$13.01	$27,070	$69,744	$677
Waiters and Waitresses SOC 35-3031	450	210	88%	$13.13	$27,310	$70,638	$683
Retail Salespersons SOC 41-2031	2,260	400	22%	$13.54	$28,160	$73,802	$704
Carpenters SOC 47-2031	110	(20)	(15%)	$14.50	$30,150	$81,209	$754
Registered Nurses SOC 29-1141	870	200	30%	$19.05	$39,630	$116,497	$991
Electricians SOC 47-2111	60	—	—	$21.98	$45,720	$139,166	$1,143
Police and Sheriff's Patrol Officers SOC 33-3051	80	(30)	(27%)	$26.06	$54,200	$170,731	$1,355
Elementary School Teachers, Except Special Education SOC 25-2021	360	—	—	—	$55,370	$175,086	$1,384

Affordable home price uses the same Section 3 formula (30% housing budget, 30-year mortgage at 7%, 5% down, $2,500/yr T&I, 0.5% PMI). Affordable rent is 30% of monthly wages. Negative job-change values are shown in red parentheses. A "prior-year code differs" note flags occupations whose SOC code changed between the two vintages (2010 SOC → 2018 SOC) — the change estimate is best-effort.

Source: BLS OEWS May 2025 (10-year change vs. May 2015). Jobs counts and wages reflect the MSA or nonmetropolitan area containing this county, not the county alone — OEWS is not published at the county level.

Methodology & sources

All figures derive from the 2024 American Community Survey 5-year estimates. State and national comparisons are population-weighted aggregates of county-level estimates (an approximation; ACS publishes its own state and national medians which can differ slightly).

The affordability calculator uses a 30% housing-budget rule with a 30-year mortgage. Defaults are 7% interest, 5% down, $2,500/year taxes and insurance, and 0.5% PMI — adjustable above.

Variables: 72027 · pulled from Full Housing Data Table.xlsx.