Ceiba Municipio, Puerto Rico has a 2026 one-unit conforming loan limit of $832,750, which is 7.3 times the county's median home value of $113,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $25,454 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $113,700 |
| Puerto Rico median home value | $131,500 |
| Limit ÷ median home value | 7.32× |
| Median household income | $25,454 |
| Median home value ÷ income | 4.5× |
| Population | 10,995 |
| Median property tax paid (owners) | $709 |
| Effective property tax rate (approx.) | 0.62% |
| Owner-occupied homes | 75.5% |
| Home value rank in Puerto Rico | 44 of 78 counties |
| Neighbor: Culebra Municipio, PR | limit $832,750; median home $104,300 |
| Neighbor: Fajardo Municipio, PR | limit $832,750; median home $121,400 |
| Neighbor: Luquillo Municipio, PR | limit $832,750; median home $138,500 |
| Neighbor: Naguabo Municipio, PR | limit $832,750; median home $105,500 |
| Neighbor: Rio Grande Municipio, PR | limit $832,750; median home $131,600 |
| Neighbor: Vieques Municipio, PR | limit $832,750; median home $100,000 |
Across Puerto Rico's 78 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Ceiba Municipio's median home value is 14% below the state median of $131,500 (rank 44 of 78). Among its 6 neighboring counties, Luquillo Municipio has the highest median home value ($138,500) and Vieques Municipio the lowest ($100,000); all share the same loan limit. Owners pay a median $709 a year in property tax, an effective rate of about 0.62% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
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Last updated 2026-10-16. Data only, not financial or tax advice.