Luquillo 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 $2,072 (7.9%) under the Puerto Rico median, so statewide income averages overstate local household buying power.
• Elevated poverty: At 44.8%, 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 11.5 pts, relevant for advanced-services attraction strategy.
• Aging population: Median age of 46 is materially above the U.S. norm; succession planning and senior-services demand are real factors.

• Largest private-sector industry: Retail Trade employs 254 workers (35.1% of tracked sectors), at an average wage of $30,559. Every industry figure on this page is private sector; government employs a further 544 and is counted separately.
• Wage stratification: Finance and Insurance averages $45,310 while Educational Services averages $20,139, a 2.2x spread in the same local economy, with implications for workforce development and talent strategy.

• Top specialization: Health and Personal Care Retailers concentrates at 3.40x the national norm, strong concentration that anchors the local economy and supports supply-chain attraction strategy.
• Cluster depth: 4 sub-sectors register LQ ≥ 1.5, but 77.5% of the employment across them depends on one source of demand: visitor economy. Read the count as depth within that single demand base rather than as spread across separate ones.

• Stretched market: Home value to income ratio of 5.7x is well above the ~4.1x national average; attainable workforce housing may be a recruitment friction.
• Elevated vacancy: 35.6% of housing units are vacant, above the Puerto Rico rate of 21%, and down from 37.1% in 2019.
• Mostly second homes: seasonal, recreational and occasional-use units are 59.1% of vacant units, so the headline rate is not available supply.
• Genuinely available supply: units listed for rent or for sale are 3.9% of the vacant stock, or 1.4% of all housing units against the 35.6% 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 $16,760 can pay without cost burden (~$419/mo), and 26.8% of renter households are already cost-burdened, 14.1% severely so; workforce housing cost burden warrants attention.

• Low participation: 49.6% labor force participation against a labor force that grew 2.5% between 2019 and 2024, so workforce development programs may unlock additional supply.
• Talent pipeline: no college, university, or technical school is located in Luquillo Municipio per the IPEDS institutional directory, so any training pipeline serving it runs through institutions outside the county.

Luquillo Municipio shows meaningful potential for health and personal care retailers attraction, with a 3.40x concentration and 48 jobs in this sub-sector.

Most of the employment across the concentrated sub-sectors traces back to a single source of demand. Visitor economy accounts for 77.5% of it, all of it in food services and drinking places. Recruitment that widens the demand base changes that exposure; recruitment inside the same base deepens it.