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City · 113,177 residents · Miami-Dade County, Florida

Miami Gardens , Florida

In Miami Gardens, a typical home is worth $378,500 and typical rent is $1,787 a month. Compared with all of Miami-Dade County, the typical home value is 18% lower, typical household income is 11% lower, and the share of households that own their home is 12 points higher.

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  • Typical home value

    $378,500

    18% below the county

    5% above Florida

    • Miami Gardens
    • Miami-Dade
    • Florida

  • Typical rent

    $1,787a month

    2% below the county

    7% above Florida

    • Miami Gardens
    • Miami-Dade
    • Florida

  • Typical household income

    $63,627a year

    11% below the county

    15% below Florida

    • Miami Gardens
    • Miami-Dade
    • Florida

  • Households that own their home

    64%

    12 points above the county

    3 points below Florida

    • Miami Gardens
    • Miami-Dade
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$474,495
1% more than 12 months ago
Typical rent
$2,521 a month
4.4% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Miami Gardens is in Miami-Dade County. The FHA loan limit ($667,000 for a one-unit home), the fair market rents and the help on this page are those of all of Miami-Dade County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Miami Gardens apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Opa-locka, the typical rent is $1,351: 24% less than in Miami Gardens ($1,787).

  2. Nearby, in Ives Estates, the typical home value is $294,700: 22% less than in Miami Gardens ($378,500).

  3. 64% of households in Miami Gardens own their home, against 52% in Miami-Dade County.

  4. The typical home in Miami Gardens is worth $378,500, 18% less than in Miami-Dade County as a whole ($463,000).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Miami Gardens

What homes there are in Miami Gardens, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Miami Gardens: 67% of homes, more than in Miami-Dade County (39%).

Year built

Homes in Miami Gardens are older: the typical year built is 1970; in Miami-Dade County, 1980.

There is more room for a big family here: 73% of homes have 3 bedrooms or more, against 45% in Miami-Dade County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

By price, most homes in Miami Gardens sit under the FHA limit for Miami-Dade County ($667,000): about 93%.

Monthly rent with utilities

About 85% of rented homes in Miami Gardens cost less than HUD's 2-bedroom fair market rent for Miami-Dade County ($2,564).

With a mortgage

$2,108 a month

Miami-Dade County: $2,451 a month

Without a mortgage

$686 a month

Miami-Dade County: $815 a month

Owners with a mortgage

67%

Miami-Dade County: 59%

In Miami Gardens, 67% of owners have a mortgage, and their typical cost is $2,108 a month, against $2,451 in Miami-Dade County. Without one it drops to $686.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Miami Gardens rose 99% since 2015–2019, more than in Miami-Dade County (60%).

Much as in Miami-Dade County, the typical rent in Miami Gardens rose 40% since 2015–2019.

While home values in Miami Gardens changed +99% and rent +40%, the typical household income rose 44%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureMiami GardensMiami-Dade CountyFloridaUnited States
Rental vacancy 3.2%5.5%7.6%5.5%
Homeowner vacancy Unreliable estimate1.2%1.4%0.9%
More than one person per room 7.7%7.2%3.3%3.4%
People per household 3.192.762.512.53
Drive alone 75%69%70%69%
Carpool 10%9%9%9%
Public transit 3%3%1%3%
Walk or bike 1%3%2%3%
Work from home 9%14%16%15%
Other means 3%2%2%2%
Typical commute 30 to 39 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

The rental vacancy rate in Miami Gardens is 3.2%, lower than in Miami-Dade County (5.5%).

Much as in Miami-Dade County, 7.7% of households in Miami Gardens have more than one person per room.

More people live in each home here: 3.19 on average, against 2.76 in Miami-Dade County.

In Miami Gardens, 75% of workers drive alone to work; in Miami-Dade County, 69%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Miami Gardens?

A typical home costs more than the typical income allows

We start with a typical home in Miami Gardens, worth $378,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 58% of the typical household income in Miami Gardens, which is $63,627 a year. For that payment to be 28% of income, a household would need to earn about $131,836 a year.

The calculator's FHA and conventional loan limits are those of all of Miami-Dade County.

Your numbers

Local data
$

Starts at the typical home value in Miami Gardens. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $13,248 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,076

at 7.18% · 30 years

Loan amount
$371,644
Total interest
$534,708
Paid off in
November 2056

Includes $6,392 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,485 a month

  • Tight

    $1,485 to $1,909 a month

  • Hard

    more than $1,909 a month

    Your payment · 58%

Compared with the typical household income in Miami Gardens ($63,627 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,076
Principal & interest$2,518
Property tax$233
Home insurance$158
FHA mortgage insurance (MIP)$167

You need at least $13,248 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Miami Gardens and Miami-Dade County

Miami Gardens is in Miami-Dade County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Miami Gardens's own numbers

Typical home value
$378,500
Typical monthly rent
$1,787
Typical yearly household income
$63,627
Households that own their home
64%
Effective property tax rate
0.74%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Miami-Dade County

FHA limit, one-unit home
$667,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,564
Price change over 5 years (FHFA)
+80%
Homes in a high flood-risk zone
40%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Miami-Dade County.

Everything about Miami-Dade County

Buying

Buying a home in Miami Gardens

A typical home in Miami Gardens is worth $378,500: 18% below the county and 5% above Florida. With the typical household income in Miami Gardens ($63,627 a year), a typical home costs 5.9 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Miami Gardens 5.9 years
  • Miami-Dade 6.5 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Miami-Dade County

According to FHFA’s house price index, home prices in Miami-Dade County rose 148% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Miami-Dade County.

Period County Florida U.S.
Last year (2025) +2.8% −0.5% +2.9%
5 years (2020–2025) +80% +60% +47%
10 years (2015–2025) +148% +127% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Miami Gardens next to Miami-Dade County, Florida and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Miami Gardens $378,500
  • Miami-Dade $463,000
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Miami Gardens $1,787
  • Miami-Dade $1,829
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Miami Gardens $63,627
  • Miami-Dade $71,753
  • Florida $74,568
  • United States $80,734
See the full table
Miami Gardens next to Miami-Dade County and Florida
Measure Miami Gardens Miami-Dade County Florida U.S.
Typical home value $378,500 $463,000 $359,000 $332,700
Typical monthly rent $1,787 $1,829 $1,669 $1,413
Typical yearly household income $63,627 $71,753 $74,568 $80,734
Households that own their home 64% 52% 68% 65%
Typical yearly property tax $2,818 $3,744 $2,730 $3,119
Effective property tax rate 0.74% 0.81% 0.76% 0.94%
Renters with high rent for their income 68% 64% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Miami-Dade County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Miami Gardens

For a typical $378,500 home in Miami Gardens, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Miami Gardens's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,076a month

    Least cash to close
    Down payment
    $13,248
    Cash to close
    $24,603
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $167

  • Conventional, 5% down $3,007a month

    Down payment
    $18,925
    Cash to close
    $30,280
    Rate
    7.18%
    Mortgage insurance
    PMI · $180

  • Conventional, 20% down, no PMI $2,442a month

    Down payment
    $75,700
    Cash to close
    $87,055
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,792a month

    Down payment
    $56,775
    Cash to close
    $68,130
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Miami Gardens and for Miami-Dade County.

Property tax

Effective rate in Miami Gardens

0.74%of the home’s value each year

$2,818 a year for the typical owner in Miami Gardens.

  • Miami Gardens 0.74%
  • Miami-Dade 0.81%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Miami-Dade County

FEMA does not publish these numbers by city: they are for all of Miami-Dade County.

Homes in the high-risk zone
40%
199,250
Of those, with NFIP insurance
74%
County Florida U.S.
Homes in the high-risk zone 40% 13% 3.5%
Of those, with NFIP insurance 74% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Miami Gardens

Typical rent in Miami Gardens is $1,787 a month: 2% below the county. In Miami Gardens, 68% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Miami-Dade County, by unit size. To pay the 2-bedroom one ($2,564 a month) without spending more than 30% of your income, you would need to earn $49.31 an hour working full time.

HUD fair market rent for all of Miami-Dade County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,953 $37.56 $78,120
1 bedroom $2,121 $40.79 $84,840
2 bedrooms $2,564 $49.31 $102,560
3 bedrooms $3,277 $63.02 $131,080
4 bedrooms $3,749 $72.10 $149,960

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Miami Gardens

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Miami Gardens has 3 ZIP codes with their own.

For 2 bedrooms it runs from $2,280 in 33169 to $2,450 in 33055.

None is above the fair market rent for Miami-Dade County ($2,564).

  • 33055 $2,450$3,130
  • 33056 $2,440$3,120
  • 33169 $2,280$2,910

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Miami Gardens when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Miami Gardens

HUD lists 12 buildings with rents for lower incomes in Miami Gardens. These are the largest.

  • Miami Gardens Village 18451 NW 37th Ave, Miami Gardens 33056 328 low-income homes · For families (305) 625-7762
  • Eagle's Landing 18800 NW 27th Ave, Miami Gardens 33056 321 low-income homes · 1 bd: 72 · 2 bd: 137 · 3 bd: 112 · In service since 2000 · For families
  • Walden Pond Villas 20880 NW 7th Ave, Miami Gardens 33169 290 low-income homes · 1 bd: 82 · 2 bd: 128 · 3 bd: 80 · In service since 2010 · For families
  • Cedar Grove 20601 NW 17th Ave, Miami Gardens 33056 288 low-income homes · 2 bd: 87 · 3 bd: 171 · 4 bd: 30 · In service since 2003 · For families
  • Douglas Pointe 3840 NW 183rd St, Miami Gardens 33055 176 low-income homes · 2 bd: 72 · 3 bd: 104 · In service since 2001

See all 399 buildings in Miami-Dade County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Miami Gardens

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 11 HUD-approved agencies with an office in Miami-Dade County; 9 say they serve in Spanish.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Miami Gardens

1 program is for Miami Gardens or Miami-Dade County, by its own record: they come first, each with what its official page says about being open. The ones below are statewide in Florida: they work in Miami Gardens the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Miami Gardens

The HUD-approved agencies closest to the center of Miami Gardens, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Nid-Hca Florida Felton

    610 NW 183rd St, Miami Gardens · 2 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (305) 652-7616

  • Opa-Locka Community Development Corporation

    490 Opa Locka Blvd, Opa Locka · 3 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
    (305) 687-3545

  • Hispanic Unity of Florida

    5840 Johnson St, Hollywood · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (754) 256-8225

Every agency in Miami-Dade County All counseling agencies in Florida

Help in Spanish near Miami Gardens

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Miami Gardens

In HUD’s record, no housing authority with an office in Miami-Dade County is named for Miami Gardens or Miami-Dade County.

6 other authorities have an office in Miami-Dade County: see the list Source: HUD

Cities

Other cities in Miami-Dade County

These cities are also in Miami-Dade County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Miami-Dade County Housing in Florida
See 48 more cities in Miami-Dade County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Miami Gardens, with the typical home value.

Neighboring counties

If Miami-Dade County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Miami Gardens.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Miami Gardens

Short answers with the numbers for Miami Gardens and all of Miami-Dade County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Miami Gardens?

The typical home value in Miami Gardens is $378,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Miami-Dade County it is $463,000.

How much does it cost to rent in Miami Gardens?

Typical rent in Miami Gardens is $1,787 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Miami-Dade County is $2,564.

What is the FHA loan limit in Miami Gardens?

Miami Gardens uses the FHA limit for all of Miami-Dade County (2026): $667,000 for a one-unit home and $1,282,700 for a four-unit home.

How much property tax do owners pay in Miami Gardens?

The typical homeowner in Miami Gardens pays $2,818 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in Miami-Dade County, the rate is 0.81%.

Where can I find free help to buy or rent in Miami Gardens?

There are 11 HUD-approved counseling agencies with an office in Miami-Dade County. 9 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).