City · 38,766 residents · Miami-Dade County, Florida
South Miami Heights, Florida
In South Miami Heights, a typical home is worth $407,100 and typical rent is $1,605 a month. Compared with all of Miami-Dade County, typical rent is 12% lower, the typical home value is 12% lower, and the share of households that own their home is 10 points higher.
South Miami Heights 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
What this place has that others do not, from public data, most unusual first.
1
62% of households in South Miami Heights own their home, against 52% in Miami-Dade County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in South Miami Heights
What homes there are in South Miami Heights, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
South Miami Heights
Miami-Dade County
Florida
United States
Kind of home: South Miami Heights and its comparisons
Measure
South Miami Heights
Miami-Dade County
Florida
United States
Detached house
65%
39%
55%
61%
Attached house
5%
10%
7%
6%
Building of 2 to 4
Unreliable estimate
5%
6%
8%
Apartments (5 or more)
27%
45%
25%
19%
Mobile home
Unreliable estimate
1%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In South Miami Heights, 7 in 10 homes are single-family detached houses; in Miami-Dade County, 4.
Year built
Before 19601960–19791980–19992000–20092010 or later
South Miami Heights
Miami-Dade County
Florida
United States
Year built: South Miami Heights and its comparisons
Measure
South Miami Heights
Miami-Dade County
Florida
United States
Before 1960
13%
21%
10%
26%
1960–1979
41%
29%
24%
24%
1980–1999
32%
26%
34%
25%
2000–2009
9%
13%
18%
14%
2010 or later
6%
11%
14%
11%
The typical year built in South Miami Heights is 1978, about the same as in Miami-Dade County (1980).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K10%
$300K–$500K55%
$500K–$750K22%
$750K–$1M4%
$1M or more2%
Value of owner-occupied homes: South Miami Heights and its comparisons
Measure
South Miami Heights
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
10%
$300K–$500K
55%
$500K–$750K
22%
$750K–$1M
4%
$1M or more
2%
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50012%
$500–$9997%
$1,000–$1,49925%
$1,500–$1,99931%
$2,000–$2,49920%
$2,500–$2,999Unreliable
HUD fair market rent, 2 bedrooms: $2,564
$3,000 or moreUnreliable
Monthly rent with utilities: South Miami Heights and its comparisons
Measure
South Miami Heights
Under $500
12%
$500–$999
7%
$1,000–$1,499
25%
$1,500–$1,999
31%
$2,000–$2,499
20%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
At least 94% of rented homes in South Miami Heights cost less than $2,500, below HUD's 2-bedroom fair market rent ($2,564).
With a mortgage
$2,132 a month
Miami-Dade County: $2,451 a month
Without a mortgage
$573 a month
Miami-Dade County: $815 a month
Owners with a mortgage
64%
Miami-Dade County: 59%
The typical cost for an owner with a mortgage in South Miami Heights is $2,132 a month, less than in Miami-Dade County ($2,451); without one, $573.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
South Miami Heights+80%
Miami-Dade County+60%
Florida+67%
United States+53%
Typical rent
South Miami Heights+36%
Miami-Dade County+38%
Florida+42%
United States+33%
Typical household income
South Miami Heights+50%
Miami-Dade County+40%
Florida+34%
United States+29%
Change since 2015–2019: South Miami Heights and its comparisons
Measure
South Miami Heights
Miami-Dade County
Florida
United States
Typical home value
+80%
+60%
+67%
+53%
Typical rent
+36%
+38%
+42%
+33%
Typical household income
+50%
+40%
+34%
+29%
From 2015–2019 to 2020–2024, the typical home value in South Miami Heights rose 80%; in Miami-Dade County, it rose 60%.
Rents in South Miami Heights rose at about the same pace as in Miami-Dade County: 36% since 2015–2019, against 38%.
The typical household income in South Miami Heights rose 50% over that time; home values changed +80% and rent +36%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: South Miami Heights and its comparisons
Measure
South Miami Heights
Miami-Dade County
Florida
United States
Rental vacancy
Unreliable estimate
5.5%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
1.2%
1.4%
0.9%
More than one person per room
7.7%
7.2%
3.3%
3.4%
People per household
3.19
2.76
2.51
2.53
Drive alone
78%
69%
70%
69%
Carpool
11%
9%
9%
9%
Public transit
2%
3%
1%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
8%
14%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
30 to 39 minutes
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Miami-Dade County, 7.7% of households in South Miami Heights have more than one person per room.
Households in South Miami Heights are bigger: 3.19 people on average; in Miami-Dade County, 2.76.
In South Miami Heights, 78% of workers drive alone to work; in Miami-Dade County, 69%.
Do the math
What would you pay each month for a home in South Miami Heights?
A typical home costs more than the typical income allows
We start with a typical home in South Miami Heights, worth $407,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 60% of the typical household income in South Miami Heights, which is $65,417 a year. For that payment to be 28% of income, a household would need to earn about $139,181 a year.
The calculator's FHA and conventional loan limits are those of all of Miami-Dade County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in South Miami Heights. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $14,249 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,248
at 7.18% · 30 years
Loan amount
$399,726
Total interest
$575,112
Paid off in
November 2056
Includes $6,875 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,526 a month
Tight
$1,526 to $1,963 a month
Hard
more than $1,963 a month
Your payment · 60%
Compared with the typical household income in South Miami Heights ($65,417 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,708
Property tax
$190
Home insurance
$170
FHA mortgage insurance (MIP)
$180
You need at least $14,249 for the down payment, plus closing costs.
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.
Total monthly payment $3,248; principal and interest $2,708.
The city and its county
South Miami Heights and Miami-Dade County
South Miami Heights 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).
South Miami Heights
Map of Miami-Dade County, Florida, with South Miami Heights marked. Around it, the neighboring counties.
South Miami Heights
Miami-Dade County
Other cities with a page
South Miami Heights's own numbers
Typical home value
$407,100
Typical monthly rent
$1,605
Typical yearly household income
$65,417
Households that own their home
62%
Effective property tax rate
0.56%
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.
A typical home in South Miami Heights is worth $407,100: 12% below the county and 13% above Florida. With the typical household income in South Miami Heights ($65,417 a year), a typical home costs 6.2 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.
South Miami Heights6.2 years
Miami-Dade6.5 years
Florida4.8 years
United States4.1 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.
Yearly change in FHFA’s price index in Miami-Dade County, 2016 to 2025
2016: +9.0% +9.0% 2016
2017: +7.8% +7.8% 2017
2018: +7.4% +7.4% 2018
2019: +5.0% +5.0% 2019
2020: +4.2% +4.2% 2020
2021: +13.0% +13.0% 2021
2022: +22.4% +22.4% 2022
2023: +14.9% +14.9% 2023
2024: +10.0% +10.0% 2024
2025: +2.8% +2.8% 2025
Change in FHFA’s price index in Miami-Dade County, Florida and the United States
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
South Miami Heights 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
South Miami Heights$407,100
Miami-Dade$463,000
Florida$359,000
United States$332,700
Typical monthly rent
South Miami Heights$1,605
Miami-Dade$1,829
Florida$1,669
United States$1,413
Typical yearly household income
South Miami Heights$65,417
Miami-Dade$71,753
Florida$74,568
United States$80,734
See the full table
South Miami Heights next to Miami-Dade County and Florida
Measure
South Miami Heights
Miami-Dade County
Florida
U.S.
Typical home value
$407,100 ▼12% below the county
$463,000
$359,000
$332,700
Typical monthly rent
$1,605 ▼12% below the county
$1,829
$1,669
$1,413
Typical yearly household income
$65,417 ▼9% below the county
$71,753
$74,568
$80,734
Households that own their home
62% ▲10 points above the county
52%
68%
65%
Typical yearly property tax
$2,285 ▼39% below the county
$3,744
$2,730
$3,119
Effective property tax rate
0.56% ▼0.25 points below the county
0.81%
0.76%
0.94%
Renters with high rent for their income
63% ▼1 points below the county
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 South Miami Heights
For a typical $407,100 home in South Miami Heights, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, South Miami Heights's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,248a month
Least cash to close
Down payment
$14,249
Cash to close
$26,462
Rate
7.18%
Mortgage insurance
FHA MIP · $180
Conventional, 5% down$3,173a month
Down payment
$20,355
Cash to close
$32,568
Rate
7.18%
Mortgage insurance
PMI · $193
Conventional, 20% down, no PMI$2,566a month
Down payment
$81,420
Cash to close
$93,633
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,942a month
Down payment
$61,065
Cash to close
$73,278
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in South Miami Heights
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,248
$14,249
$399,726
7.18%
FHA MIP · $180
$26,462
580
Conventional, 5% down
$3,173
$20,355
$386,745
7.18%
PMI · $193
$32,568
620*
Conventional, 20% down, no PMI
$2,566
$81,420
$325,680
7.18%
None
$93,633
620*
ITIN, 15% down (example)
$2,942
$61,065
$346,035
8.18%
None
$73,278
Set by the lender
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.
Typical rent in South Miami Heights is $1,605 a month: 12% below the county. In South Miami Heights, 63% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Miami-Dade County (Fiscal year 2027)
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 South Miami Heights
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). South Miami Heights has 2 ZIP codes with their own.
For 2 bedrooms it runs from $2,310 in 33157 to $3,030 in 33177.
1 of the 2 is above the fair market rent for Miami-Dade County ($2,564).
Fair market rent by ZIP code and size in South Miami Heights, fiscal year 2027.
33157
$1,760
$1,910
$2,310
$2,950
$3,380
33177
$2,310
$2,510
$3,030
$3,870
$4,430
ZIP code2 bd3 bd
33157 $2,310$2,950
33177 $3,030$3,870
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for South Miami Heights 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
1 program is for South Miami Heights 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 South Miami Heights the same as in the rest of the state.
Miami-Dade County loan of up to $35,000, with no interest or monthly payments, for the down payment of first-time buyers who already live in the county; repaid when you sell, refinance or at the end of the term.Offered by Miami-Dade County Housing and Community Development.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
The HUD-approved agencies closest to the center of South Miami Heights, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
OH
Operation Hope- Homestead FL
777 N Krome Ave, Homestead · 10 miles away · Spanish
No legal help resource on our list is for South Miami Heights or Miami-Dade County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for South Miami Heights 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 South Miami Heights?
The typical home value in South Miami Heights is $407,100, 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 South Miami Heights?
Typical rent in South Miami Heights is $1,605 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 South Miami Heights?
South Miami Heights 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 South Miami Heights?
The typical homeowner in South Miami Heights pays $2,285 a year, according to the U.S. Census Bureau. That is 0.56% 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 South Miami Heights?
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.
