ZIP Code 00728 — Ponce zona urbana, PR Demographics & Data

ZIP code 00728 covers Ponce zona urbana, PR in Ponce Municipio with a population of about 37,322.

At a glance, the area shows median age of 39.8 (near the U.S. median).

It sits in telephone area codes 787, 939; U.S. House district PR-98.

Median household income in ZIP 00728 is about $20,351 — about 73% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 51.7%; unemployment rate near 9.1%; 28.4% of adults with a bachelor’s degree or higher (about 5.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Education; about 2.9% of workers reporting work-from-home (about 12.3 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $108,500 — about 69% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $387 (about 67% below the U.S. median rent ($1,163)), and owner-occupancy near 75.1% (about 9.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 00728 in Ponce 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 $697. That is about 47% above the local median household income ($20,351), 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.

Climate normals for Ponce zona urbana, PR show little to no average snow and around 37.5 inches of annual precipitation.