Loíza 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 $2,025 (7.7%) under the Puerto Rico median, so statewide income averages overstate local household buying power.
• Elevated poverty: At 42.8%, 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 16.7 pts, relevant for advanced-services attraction strategy.
• Aging population: Median age of 44 is materially above the U.S. norm; succession planning and senior-services demand are real factors.

• Largest private-sector industry: Accommodation and Food Services employs 185 workers (67.8% of tracked sectors), at an average wage of $22,041. Every industry figure on this page is private sector; government employs a further 743 and is counted separately.

• Top specialization: Health and Personal Care Retailers concentrates at 7.86x the national norm, top-decile concentration, the kind of signature sector that defines a region's economic identity to site selectors.
• Cluster depth: 4 sub-sectors register LQ ≥ 1.5, but 63.4% of the employment across them depends on one source of demand: health care economy. Read the count as depth within that single demand base rather than as spread across separate ones.

• In line with national: Home value to income ratio of 4.6x sits near the ~4.1x national average; affordability is neither a clear advantage nor a recruitment friction.
• Elevated vacancy: 22.9% of housing units are vacant, above the Puerto Rico rate of 21%, and down from 25.8% in 2019.
• Mostly second homes: seasonal, recreational and occasional-use units are 40.6% of vacant units, so the headline rate is not available supply.
• Genuinely available supply: units listed for rent or for sale are 7.2% of the vacant stock, or 1.6% of all housing units against the 22.9% 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 $15,853 can pay without cost burden (~$396/mo), and 22.5% of renter households are already cost-burdened, 11.1% severely so; workforce housing cost burden warrants attention.

• Succession risk is real: 23.5% of working-age residents are 55-64. Plan for retirements over the next decade and pair attraction strategy with talent retention.
• Low participation: 46.9% labor force participation. The labor force itself fell 11.5% between 2019 and 2024, from 10,322 to 9,137.
• Talent pipeline: no college, university, or technical school is located in Loíza Municipio per the IPEDS institutional directory, so any training pipeline serving it runs through institutions outside the county.

Loíza Municipio shows strong potential for health and personal care retailers attraction, with a 7.86x concentration and 55 jobs in this sub-sector. It ranks in the top decile nationally. Near-term succession risk is elevated, with 23.5% of the working-age population within 10 years of retirement age.

Most of the employment across the concentrated sub-sectors traces back to a single source of demand. Health care economy accounts for 63.4% of it, all of it in ambulatory health care services. Recruitment that widens the demand base changes that exposure; recruitment inside the same base deepens it.