Arroyo Municipio, Puerto Rico

• Income gap: Households earn meaningfully less than the national median, which directly affects retail demand, housing absorption, and tax base.
• Below the state median: Median household income runs $5,111 (19.4%) under the Puerto Rico median, so statewide income averages overstate local household buying power.
• Elevated poverty: At 52.1%, the rate is in economically distressed territory and supports federal funding narratives (CDFI, NMTC, EDA).
• Talent gap: Bachelor's-or-higher attainment trails the national average by 10.3 pts, relevant for advanced-services attraction strategy.
• Aging population: Median age of 43 is materially above the U.S. norm; succession planning and senior-services demand are real factors.

• Largest private-sector industry: Retail Trade employs 484 workers (62.6% of tracked sectors), at an average wage of $19,117. Every industry figure on this page is private sector; government employs a further 717 and is counted separately.
• Wage stratification: Finance and Insurance averages $42,337 while Accommodation and Food Services averages $17,636, a 2.4x spread in the same local economy, with implications for workforce development and talent strategy.

• Top specialization: Health and Personal Care Retailers concentrates at 3.71x the national norm, strong concentration that anchors the local economy and supports supply-chain attraction strategy.

• In line with national: Home value to income ratio of 4.2x sits near the ~4.1x national average; affordability is neither a clear advantage nor a recruitment friction.
• High home ownership: 76% owner-occupied; rental supply may be tight for incoming workers.
• Vacancy level: 19.6% of housing units are vacant, below the Puerto Rico rate of 21%, and down from 29.4% in 2019.
• Mostly second homes: seasonal, recreational and occasional-use units are 29.5% of vacant units, so the headline rate is not available supply.
• Genuinely available supply: units listed for rent or for sale are 1.2% of the vacant stock, or 0.2% of all housing units against the 19.6% headline vacancy rate. Absorbable supply for an incoming employer is thin, and the gap between the two is the redevelopment and conversion opportunity.
• Rent affordability gap: None of the 5 HUD Fair Market Rent bedroom sizes sit below what a household on the median renter income of $12,095 can pay without cost burden (~$302/mo), and 37.4% of renter households are already cost-burdened, 18.5% severely so; workforce housing cost burden warrants attention.

• Low participation: 40.1% labor force participation against a labor force that grew 26.9% between 2019 and 2024, so workforce development programs may unlock additional supply.
• Talent pipeline: 1 institution in Arroyo Municipio awards 175 credentials a year. Employers drawing from a wider labor shed should read this alongside institutions outside the county, which this page does not aggregate.

Arroyo Municipio shows meaningful potential for health and personal care retailers attraction, with a 3.71x concentration and 64 jobs in this sub-sector.