Ciales Municipio, Puerto Rico has a 2026 one-unit conforming loan limit of $832,750, which is 8.6 times the county's median home value of $96,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $22,586 (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) | $96,500 |
| Puerto Rico median home value | $131,500 |
| Limit ÷ median home value | 8.63× |
| Median household income | $22,586 |
| Median home value ÷ income | 4.3× |
| Population | 16,805 |
| Median property tax paid (owners) | $199 |
| Effective property tax rate (approx.) | 0.21% |
| Owner-occupied homes | 72.3% |
| Home value rank in Puerto Rico | 70 of 78 counties |
| Neighbor: Arecibo Municipio, PR | limit $832,750; median home $116,700 |
| Neighbor: Florida Municipio, PR | limit $832,750; median home $111,000 |
| Neighbor: Jayuya Municipio, PR | limit $832,750; median home $115,700 |
| Neighbor: Manati Municipio, PR | limit $832,750; median home $120,500 |
| Neighbor: Morovis Municipio, PR | limit $832,750; median home $115,100 |
| Neighbor: Orocovis Municipio, PR | limit $832,750; median home $100,500 |
| Neighbor: Utuado Municipio, PR | limit $832,750; median home $104,000 |
Across Puerto Rico's 78 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Ciales Municipio's median home value is 27% below the state median of $131,500 (rank 70 of 78). Among its 7 neighboring counties, Manati Municipio has the highest median home value ($120,500) and Orocovis Municipio the lowest ($100,500); all share the same loan limit. Owners pay a median $199 a year in property tax, an effective rate of about 0.21% 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.