Puerto Rico · GEOID 72103

Naguabo Municipio

2024 ACS 5-year estimates · population 23,054 · 11,696 housing units

Median household income

$23,395

State $27,233

Median home value

$105,500

State $134,630

Median gross rent

$528

State $587

Homeownership rate

73.1%

State 67.9%

Renter cost-burden rate

56.6%

≥30% of income

Owner cost-burden rate

12.0%

≥30% of income

Homeowner vacancy

1.7%

Of owner-occupied + for-sale units

Rental vacancy

6.8%

Of renter-occupied + for-rent units

Overall vacancy

26.3%

All housing units

Price-to-income ratio

4.51

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	Naguabo Municipio	Puerto Rico
Population	23,054	3,234,309
Population density (per sq. mi.)	446.26	—
Median household income	$23,395	$27,233
HUD Area Median Income (4-person, 100%)	$41,400	—
Households	8,618	—
Average household size	2.66 people	—
Owner-occupied	73.1%	67.9%
Renter-occupied	26.9%	32.1%
Race	4.3% White · 0.9% 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

Naguabo 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	40.0%	$16,183	$405	$29,219
1 earner	39.4%	$26,934	$673	$69,238
2 earners	17.7%	$49,781	$1,245	$154,282
3+ earners	2.9%	$69,020	$1,726	$225,896

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

8,618

Average size: 2.66 people

Households with children

1,832

21.3% of households

Per-capita income

$13,083

Poverty rate: 43.1%

Section 2

Residential Market Analysis

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

Tenure

73.1% owner-occupied vs. state average 67.9%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 89.1% · Missing middle (2–19 units) 10.1%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

40.2% 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: $105,500.

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: $528.

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 3,078 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 3.4% · For rent 5.5% · Seasonal 27.8% · Other 57.7%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

14.5% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 85.5% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

7.3%

856 units of 11,696 total

Housing units held for seasonal or recreational use.

"Other vacant" share of all housing

15.2%

1,776 units of 11,696 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$18,716

100% MHI$23,395

120% MHI$28,074

County-wide median from ACS 5-year estimates. A household at 100% MHI in Naguabo 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	$23,200	$26,500	$33,100
100% AMI	$28,980	$33,120	$41,400
120% AMI	$34,800	$39,750	$49,700

HUD FMR Area: San Juan-Guaynabo, PR HUD Metro FMR Area. 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

56.6% of renter households spend ≥30% of income on rent (23.3% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

12.0% 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 Naguabo Municipio.

Covered employment

1,365

Across 10 sectors

Establishments

QCEW 2024

Avg annual pay (workforce)

$30,574

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 92 Public administration NAICS 92	342	$22,610	$53,143	−$52,357	$565
NAICS 31-33 Manufacturing NAICS 31-33	294	$36,245	$103,897	−$1,603	$906
NAICS 61 Educational services NAICS 61	275	$34,813	$98,566	−$6,934	$870
NAICS 23 Construction NAICS 23	201	$26,593	$67,969	−$37,531	$665
NAICS 62 Health care and social assistance NAICS 62	121	$28,860	$76,407	−$29,093	$722
NAICS 52 Finance and insurance NAICS 52	48	$39,564	$116,251	+$10,751	$989
NAICS 11 Agriculture, forestry, fishing and hunting NAICS 11	42	$18,049	$36,165	−$69,335	$451
NAICS 22 Utilities NAICS 22	18	$58,540	$186,886	+$81,386	$1,464
NAICS 53 Real estate and rental and leasing NAICS 53	14	$26,931	$69,227	−$36,273	$673
NAICS 48-49 Transportation and warehousing NAICS 48-49	10	$84,604	$283,905	+$178,405	$2,115

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 921 Executive, legislative, and other general government support NAICS 921	280	$20,918	$46,844	−$58,656	$523
NAICS 611 Educational services NAICS 611	275	$34,813	$98,566	−$6,934	$870
NAICS 722 Food services and drinking places NAICS 722	214	$19,341	$40,974	−$64,526	$484
NAICS 445 Food and beverage retailers NAICS 445	198	$18,074	$36,258	−$69,242	$452
NAICS 236 Construction of buildings NAICS 236	148	$24,030	$58,428	−$47,072	$601
NAICS 311 Food manufacturing NAICS 311	127	$25,600	$64,272	−$41,228	$640
NAICS 456 Health and personal care retailers NAICS 456	104	$28,061	$73,433	−$32,067	$702
NAICS 621 Ambulatory health care services NAICS 621	83	$33,618	$94,118	−$11,382	$840
NAICS 441 Motor vehicle and parts dealers NAICS 441	62	$43,510	$130,939	+$25,439	$1,088
NAICS 238 Specialty trade contractors NAICS 238	53	$33,749	$94,606	−$10,894	$844
NAICS 922 Justice, public order, and safety activities NAICS 922	43	$28,689	$75,771	−$29,729	$717
NAICS 457 Gasoline stations and fuel dealers NAICS 457	43	$17,246	$33,176	−$72,324	$431
NAICS 112 Animal production and aquaculture NAICS 112	34	$19,341	$40,974	−$64,526	$484
NAICS 444 Building material and garden equipment and supplies dealers NAICS 444	29	$18,929	$39,441	−$66,059	$473
NAICS 624 Social assistance NAICS 624	22	$20,513	$45,337	−$60,163	$513
NAICS 221 Utilities NAICS 221	18	$58,540	$186,886	+$81,386	$1,464
NAICS 923 Administration of human resource programs NAICS 923	18	$31,559	$86,454	−$19,046	$789
NAICS 623 Nursing and residential care facilities NAICS 623	16	$15,657	$27,261	−$78,239	$391
NAICS 531 Real estate NAICS 531	14	$26,931	$69,227	−$36,273	$673
NAICS 491 Postal service NAICS 491	10	$84,604	$283,905	+$178,405	$2,115
NAICS 111 Crop production NAICS 111	8	$12,559	$15,729	−$89,771	$314
NAICS 925 Administration of housing programs, urban planning, and community development NAICS 925	1	$73,858	$243,905	+$138,405	$1,846

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	17,900	7,140	66%	$10.90	$22,670	$53,366	$567
Childcare Workers SOC 39-9011	1,470	40	3%	$11.45	$23,820	$57,647	$596
Cashiers SOC 41-2011	18,010	(4,010)	(18%)	$11.73	$24,410	$59,843	$610
Janitors and Cleaners SOC 37-2011	21,530	1,610	8%	$11.95	$24,850	$61,481	$621
Construction Laborers SOC 47-2061	7,060	2,820	67%	$12.57	$26,150	$66,320	$654
Retail Salespersons SOC 41-2031	27,950	(1,800)	(6%)	$12.84	$26,700	$68,367	$668
Maintenance and Repair Workers, General SOC 49-9071	9,010	3,990	79%	$13.05	$27,140	$70,005	$679
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	7,770	2,260	41%	$13.28	$27,620	$71,792	$691
Office Clerks, General SOC 43-9061	14,400	(4,040)	(22%)	$13.42	$27,920	$72,908	$698
Tellers SOC 43-3071	2,030	(330)	(14%)	$14.34	$29,830	$80,018	$746
Waiters and Waitresses SOC 35-3031	9,190	10	0%	$14.60	$30,370	$82,028	$759
Home Health and Personal Care Aides SOC 31-1131 · prior-year code differs	290	(1,480)	(84%)	$14.71	$30,610	$82,921	$765
Carpenters SOC 47-2031	2,350	670	40%	$15.12	$31,450	$86,048	$786
Paramedics SOC 29-2043 · prior-year code differs	1,000	(630)	(39%)	$16.18	$33,660	$94,274	$842
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	800	290	57%	$17.14	$35,650	$101,682	$891
Firefighters SOC 33-2011	1,770	270	18%	$18.41	$38,300	$111,546	$958
Electricians SOC 47-2111	1,320	90	7%	$18.67	$38,820	$113,482	$971
Police and Sheriff's Patrol Officers SOC 33-3051	10,770	(4,050)	(27%)	$20.56	$42,760	$128,148	$1,069
Registered Nurses SOC 29-1141	14,940	2,380	19%	$22.98	$47,790	$146,871	$1,195
Elementary School Teachers, Except Special Education SOC 25-2021	2,760	(6,010)	(69%)	—	$52,980	$166,190	$1,325

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: 72103 · pulled from Full Housing Data Table.xlsx.