The story of this market
The typical home in Moca, Puerto Rico sells for about $132,100, or $85 per square foot.
Prices are up +2.1% from a year ago, so sellers still have some momentum. Homes take about 120 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $650 a month.
Monthly price momentum
Home values since 2015
+2.1%
USA · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Moca, Puerto Rico
The housing market in Moca remains stable but constrained by a shrinking population and limited economic growth. Demand is primarily driven by local residents, with a small but active short-term rental market providing some liquidity. The high poverty rate and reliance on public sector employment continue to influence property values and market activity.
No ARED county foreclosure postings attributed to Moca yet — the verified ledger covers every county the foreclosure ingest has read, attributed by published city area. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Deterministic aggregate of 1 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Median prices moved up 3.2% year over year.
Homes spend a median of 88 days on market with 5.2 months of supply — a balanced-paced market.
12% of listings have cut prices · homes sell at 96.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 14.0% · poverty 45.9% — elevated distress and economic pressure.
The amenity base that shapes daily life and property demand in this city — what residents actually live with, and what the pipeline is adding.
A scenic reservoir offering boating and fishing opportunities, serving as a major recreational hub for the region.
A protected state forest providing hiking trails and birdwatching, essential for the area's ecological preservation.
Moca is best suited for local families, retirees, and those seeking a lower cost of living in a rural setting. It is less attractive to corporate commuters or high-end investors due to the limited job market and distance from major employment hubs.
Public education in Moca is managed by the Puerto Rico Department of Education, with schools generally facing challenges related to funding and infrastructure common across the island. Academic performance varies, and many families prioritize private schooling options when resources allow.
Transportation is heavily dependent on private vehicles, as public transit infrastructure is minimal. The area is served by local roads connecting to major highways leading to the western coastal cities.
Moca offers a quiet, rural-leaning lifestyle with access to local parks and the nearby natural beauty of the western interior. Residents often travel to the coast for beach access and larger shopping centers in Aguadilla or Mayagüez.
The rental market in Moca is characterized by a high share of long-term local rentals and a growing, though still small, presence of short-term vacation rentals. Vacancy pressure is moderate, and the market is heavily influenced by the availability of federal housing assistance programs.
The economy is primarily driven by agriculture, local retail, and public services. There is limited industrial activity, and the area faces challenges with a shrinking population and a high poverty rate.
Economic momentum in Moca is modest, with the local economy heavily reliant on agriculture, small-scale commerce, and public sector employment. Infrastructure development is slow, and the area lacks the large-scale corporate investment seen in the San Juan metro area.
There are no major large-scale commercial or infrastructure developments currently under construction in Moca.
Parcels in Moca are subject to municipal taxes and standard utility service districts, with no significant MUD or PID structures common in the area.
Crime in Moca is generally considered lower than in larger metropolitan centers in Puerto Rico, though localized property crime remains a concern. Residents often rely on community-based security measures, and the area is perceived as safer than the more densely populated coastal cities.
Moca is susceptible to tropical storms and hurricanes, which are the primary environmental risks for the region. Property insurance premiums have risen significantly in recent years due to increased climate volatility and the high cost of rebuilding in the Caribbean.
Property insurance is a significant cost factor due to hurricane risk, with many residents opting for basic coverage or relying on government disaster assistance programs.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Puerto Rico) — CRIM Municipal Property Tax: Annual tax liability calculated by applying a municipal-specific rate (typically ranging from 8.03% to 12.03%) to the cadastral value of the property as determined by the Centro de Recaudación de Ingresos Municipales (CRIM).
Researched annual trajectory for this city, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 1.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this city's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 1.5%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Data retrieved from Census Reporter and U.S. Census Bureau QuickFacts.
The federal school roster could not be retrieved on the last refresh — no list is shown rather than an unverified one. Source: NCES EDGE public school locations 2023-24.