Loan Limits / Puerto Rico / Guaynabo County
2026 Loan Limits · Puerto Rico · SAN JUAN-BAYAMON-CAGUAS, PR
Guaynabo County, PR.
2026 conforming and FHA loan limits, calibrated to a median sales price of $260,000.
Median Sales Price
$260,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$690,000
Mid-tier
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Mid-tier| 1-unit (single-family) | $690,000 |
| 2-unit (duplex) | $883,300 |
| 3-unit (triplex) | $1,067,750 |
| 4-unit (fourplex) | $1,326,950 |
About this county
About Guaynabo County
Guaynabo is a city and municipality on the northeastern coastal plain of Puerto Rico. Located west of the capital San Juan, east of Bayamón, south of Cataño and San Juan Bay, and north of Aguas Buenas, Guaynabo is spread over 9 barrios and the downtown area and administrative center of Guaynabo Pueblo. With a land area of 27.13 square miles (70.3 km2) and a population of 89,780 as of the 2020 census, it is part of the San Juan metropolitan area. The studios of WAPA-TV, the most watched television station in Puerto Rico, are located in Guaynabo. Read more on Wikipedia →
Population
89,503
U.S. Census ACS 2023
Median Household Income
$46,048
U.S. Census ACS 2023
Median Home Value (Census)
$214,500
Owner-occupied · ACS 2023
Owner-Occupancy Rate
71%
Of occupied housing
What these limits mean for buyers in Guaynabo County
The 2026 conforming 1-unit limit for Guaynabo County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Guaynabo County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $690,000. The HUD CHUMS table pegs the median sales price for Guaynabo County at $260,000. Guaynabo County is in HUD's FHA high-cost tier — its limit sits between the national floor of $541,287 and the ceiling of $1,249,125, calculated as 115% of the area median.
Practical takeaway. The median sales price in Guaynabo County ($260,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Guaynabo County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Guaynabo County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.