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City · 16,282 residents · Miami-Dade County, Florida

Opa-locka , Florida

In Opa-locka, a typical home is worth $295,800 and typical rent is $1,351 a month. Compared with all of Miami-Dade County, typical household income is 48% lower, the typical home value is 36% lower, and the share of households that own their home is 23 points lower.

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  • Typical home value

    $295,800

    36% below the county

    18% below Florida

    • Opa-locka
    • Miami-Dade
    • Florida

  • Typical rent

    $1,351a month

    26% below the county

    19% below Florida

    • Opa-locka
    • Miami-Dade
    • Florida

  • Typical household income

    $37,532a year

    48% below the county

    50% below Florida

    • Opa-locka
    • Miami-Dade
    • Florida

  • Households that own their home

    29%

    23 points below the county

    39 points below Florida

    • Opa-locka
    • Miami-Dade
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$472,824
1.5% more than 12 months ago
Typical rent
$1,931 a month
2.1% less than 12 months ago

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

Opa-locka 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 Opa-locka apart

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

  1. Opa-locka has the 3rd lowest homeownership rate of the 481 cities in Florida with more than 5,000 people (29%).

  2. Opa-locka has the 7th lowest typical household income of the 480 cities in Florida with more than 5,000 people ($37,532).

  3. The typical home in Opa-locka is worth $295,800, 36% less than in Miami-Dade County as a whole ($463,000).

  4. The typical rent in Opa-locka is $1,351 a month, 26% less than in Miami-Dade County as a whole ($1,829).

  5. 21% of households in Opa-locka have no internet at home (7% in Miami-Dade County).

  6. Opa-locka has the 33rd largest share of rent-burdened renters of the 434 cities in Florida with more than 5,000 people (73%).

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

The homes here

Housing in Opa-locka

What homes there are in Opa-locka, 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

In Opa-locka, the apartment is the most common kind of home: 49%, against 45% in Miami-Dade County.

Year built

In Opa-locka, half of the homes were built before 1969; in Miami-Dade County, before 1980.

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
Monthly rent with utilities

With a HUD fair market rent of $2,564 for 2 bedrooms, at least 95% of rented homes in Opa-locka sit below it.

With a mortgage

$1,875 a month

Miami-Dade County: $2,451 a month

Without a mortgage

$567 a month

Miami-Dade County: $815 a month

Owners with a mortgage

68%

Miami-Dade County: 59%

Owning costs less in Opa-locka: with a mortgage, the typical cost is $1,875 a month; in Miami-Dade County, $2,451. Without one, $567.

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

From 2015–2019 to 2020–2024, the typical home value in Opa-locka rose 92%; in Miami-Dade County, it rose 60%.

The typical rent in Opa-locka rose 49% over the same time; in Miami-Dade County, it rose 38%.

To compare: typical income in Opa-locka rose 74%; the home, +92%; the rent, +49%.

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

MeasureOpa-lockaMiami-Dade CountyFloridaUnited States
Rental vacancy Unreliable estimate5.5%7.6%5.5%
Homeowner vacancy Unreliable estimate1.2%1.4%0.9%
More than one person per room 11.2%7.2%3.3%3.4%
People per household 2.932.762.512.53
Drive alone 67%69%70%69%
Carpool 11%9%9%9%
Public transit 9%3%1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 7%14%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in Opa-locka: 11.2% have more than one person per room; in Miami-Dade County, 7.2%.

Households in Opa-locka are bigger: 2.93 people on average; in Miami-Dade County, 2.76.

In Opa-locka, 9% of workers get to work by public transit; in Miami-Dade County, 3%.

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 Opa-locka?

A typical home costs more than the typical income allows

We start with a typical home in Opa-locka, worth $295,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 77% of the typical household income in Opa-locka, which is $37,532 a year. For that payment to be 28% of income, a household would need to earn about $103,348 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 Opa-locka. 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 $10,353 (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

$2,411

at 7.18% · 30 years

Loan amount
$290,442
Total interest
$417,878
Paid off in
November 2056

Includes $4,995 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $876 a month

  • Tight

    $876 to $1,126 a month

  • Hard

    more than $1,126 a month

    Your payment · 77%

Compared with the typical household income in Opa-locka ($37,532 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,411
Principal & interest$1,968
Property tax$190
Home insurance$123
FHA mortgage insurance (MIP)$131

You need at least $10,353 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

Opa-locka and Miami-Dade County

Opa-locka 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).

Opa-locka's own numbers

Typical home value
$295,800
Typical monthly rent
$1,351
Typical yearly household income
$37,532
Households that own their home
29%
Effective property tax rate
0.77%

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 Opa-locka

A typical home in Opa-locka is worth $295,800: 36% below the county and 18% below Florida. With the typical household income in Opa-locka ($37,532 a year), a typical home costs 7.9 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.

  • Opa-locka 7.9 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

Opa-locka 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
  • Opa-locka $295,800
  • Miami-Dade $463,000
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Opa-locka $1,351
  • Miami-Dade $1,829
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Opa-locka $37,532
  • Miami-Dade $71,753
  • Florida $74,568
  • United States $80,734
See the full table
Opa-locka next to Miami-Dade County and Florida
Measure Opa-locka Miami-Dade County Florida U.S.
Typical home value $295,800 $463,000 $359,000 $332,700
Typical monthly rent $1,351 $1,829 $1,669 $1,413
Typical yearly household income $37,532 $71,753 $74,568 $80,734
Households that own their home 29% 52% 68% 65%
Typical yearly property tax $2,264 $3,744 $2,730 $3,119
Effective property tax rate 0.77% 0.81% 0.76% 0.94%
Renters with high rent for their income 73% 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 Opa-locka

For a typical $295,800 home in Opa-locka, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Opa-locka's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,411a month

    Least cash to close
    Down payment
    $10,353
    Cash to close
    $19,227
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $131

  • Conventional, 5% down $2,357a month

    Down payment
    $14,790
    Cash to close
    $23,664
    Rate
    7.18%
    Mortgage insurance
    PMI · $141

  • Conventional, 20% down, no PMI $1,916a month

    Down payment
    $59,160
    Cash to close
    $68,034
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,190a month

    Down payment
    $44,370
    Cash to close
    $53,244
    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 Opa-locka and for Miami-Dade County.

Property tax

Effective rate in Opa-locka

0.77%of the home’s value each year

$2,264 a year for the typical owner in Opa-locka.

  • Opa-locka 0.77%
  • 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 Opa-locka

Typical rent in Opa-locka is $1,351 a month: 26% below the county. In Opa-locka, 73% 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 Opa-locka

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Opa-locka is in ZIP code 33054.

For 2 bedrooms it is $2,090: $474 less than the fair market rent for Miami-Dade County ($2,564).

  • 33054 $2,090$2,670

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Opa-locka 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 Opa-locka

HUD lists 9 buildings with rents for lower incomes in Opa-locka. These are the largest.

  • Miami Garden Village 13875 NW 22nd Ave, Opa Locka 33054 506 low-income homes · 1 bd: 135 · 2 bd: 255 · 3 bd: 116 · In service since 2005 · For families (305) 688-4018
  • Gardens - Aswan & Alexandria East & West 13180 Port Said Rd, Opa Locka 33054 330 homes, 328 low-income · 1 bd: 55 · 2 bd: 211 · 3 bd: 54 · 4 bd: 8 · In service since 1993 · For families (305) 681-9192
  • Crossings at University 18740 NW 27th Ave, Opa Locka 33056 320 low-income homes · 1 bd: 60 · 2 bd: 154 · 3 bd: 106 · In service since 2000 · For families
  • Aswan Village 13105 Northwest 30th Avenue, Opa Locka 33054 216 low-income homes · 2 bd: 132 · 3 bd: 84 · In service since 2004 · For families
  • Town Center 420 Aladdin St, Opa Locka 33054 127 low-income homes · 2 bd: 72 · 3 bd: 36 · In service since 2014 · For older adults, families

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

Free help

Help to buy or rent in Opa-locka

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.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Opa-locka

1 program is for Opa-locka 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 Opa-locka the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Opa-locka

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

  • Opa-Locka Community Development Corporation

    490 Opa Locka Blvd, Opa Locka · 0 miles away

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

  • Nid-Hca Florida Felton

    610 NW 183rd St, Miami Gardens · 4 miles away · Spanish

    Also serves in Creole.

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

  • NSC (naca Counseling Subsidiary) - N. Miami, FL

    656 NE 125th Street, North Miami · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (425) 602-6222

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

Help in Spanish near Opa-locka

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 Opa-locka

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

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Opa-locka

Short answers with the numbers for Opa-locka 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 Opa-locka?

The typical home value in Opa-locka is $295,800, 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 Opa-locka?

Typical rent in Opa-locka is $1,351 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 Opa-locka?

Opa-locka 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 Opa-locka?

The typical homeowner in Opa-locka pays $2,264 a year, according to the U.S. Census Bureau. That is 0.77% 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 Opa-locka?

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).