This calculator estimates what a home in Puerto Rico actually costs to own for a year: CRIM property tax, HOA or club dues, insurance, maintenance and utilities. It also compares filing for an Act 60 decree before December 31, 2026 at 0% against filing in 2027 at 4%, and shows the two-year deadline to buy a home once the decree is granted.

Asking prices are opinions. The cost of owning is arithmetic, and most buyers only see it after they close. The number that decides a purchase is not the list price: it is the list price plus what the house costs you every year afterwards.

Tell us which home or building you are looking at and we send what closed next door, with price per square foot, next to the real carrying cost. 787-717-6443.