US5.com
  1. Home
  2. States
  3. Puerto Rico
  4. ZIP 00685
  5. Housing & Real Estate
San Sebastián zona urbana, PR

ZIP 00685 — 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 00685

Median Home Value
$110,000
Median Rent
$349
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$707/mo PITI).

23%
Rent-to-Income Ratio

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

6.1x
Home Price-to-Income Ratio

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

26.3 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 00685 in San Sebastián zona urbana, PR, a household would need roughly $30,000 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 $707. That is about 68% above the local median household income ($17,909), 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 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.5%+8% vs US avg
x
Vacancy Rate
22.9%+122% vs US avg
x
Broadband Access
68.8%-21% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
2.3%-82% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
12.4%-75% vs US avg
x
Mortgage-Free
75.0%+96% vs US avg
x
$110,000
Home Value
$349
Rent
1982
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached81.1%
  • 1-unit attached9.7%
  • 2-9 units7.6%
  • 10+ units1.5%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$110,000
Median rent$349
Owner-occupied70.5%
Vacant22.9%
Price-to-income6.1x
Est. income to buy$30,000