Miami, Oklahoma.
Typical home $130,377 (+7.3% in a year). Miami, OK metro.
to buy the typical home at today's mortgage rate — +$372 (+119%) since Jan 2020.
- 1 year
- Up $8,842 +7%
- $121,535$130,377 since Sep 2025
- 5 years
- Up $25,274 +24%
- $105,103$130,377 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Miami$684
- Oklahoma$1,159
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 16 years.
Typical home values in Miami, OK rose 7.3% over the past year — faster than the nation's +1.2%.
Living in Miami, Ottawa County, Oklahoma
Miami is a city of 12,969 people in Ottawa County. Half its households earn more than $46,410 a year and half less, against $49,947 across Ottawa County; 23% of its people live below the poverty line. 56% of its homes are lived in by their owners and 44% are rented. Unemployment in Ottawa County was 4.3% in August 2026, and the county had 0.3% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then restaurants and hotels.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Miami is a small city in Ottawa County, in the far northeastern corner of Oklahoma. Its residents are younger than in most places, and incomes run a little below the county's, with more people living below the poverty line than is typical. More homes are lived in by their owners than rented, and typical home values are modest. Winters are cold, with January the coldest month, and summers are hot, with August the warmest.
Work. Many residents work in schools, hospitals and social care, followed by restaurants, hotels and entertainment, manufacturing, and shops. The largest workplaces in town include Miami Schools, Northeastern Oklahoma A&M College and Integris Miami Hospital. Most people have a short drive to work, and very few work from home. Across Ottawa County, unemployment is a little higher than a year ago, and the number of jobs slipped slightly last year.
Things to do. The Coleman Theatre sits in or beside town and is the best known place to visit. A short drive away, Spring River and Twin Bridges State Park offer water and open ground to spend time on. For a longer outing, Grand Lake o' the Cherokees is a reservoir a longer drive away.
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- 4,946households
- 16%of adults have a degree
- 23%below the poverty line
- 18 mintypical commute
- 4%work from home
What residents work in
Employed residents by industry, from the Census survey. Ottawa County had 12,894 jobs in 2025, 0.3% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 47° and lows near 24°; warmest in August, with highs near 92° and lows near 68°.
Average daily high and low, 1991–2020, at the Miami weather station, under a mile away (NOAA).
Largest workplaces in Miami
- WalmartWarehouse clubs and supercenters323
- Miami SchoolsSchool district282FTE
- Northeastern Oklahoma A&M CollegeTwo-year college224
- Integris Miami HospitalGeneral hospital217FTE
- Miami Nursing CenterSkilled nursing facilities140
- Scepter ManufacturingScreening, window, plastics, manufacturing135
- Nestle Purina Petcare CoAnimal feeds, prepared, dog and cat, manufacturing130
- Harp's Food StoreRetail grocery73
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 10 workplaces with 20 or more staff, 1,179 people in all. School districts come from the Common Core of Data (NCES, 2023–24), colleges from IPEDS (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Ice stormsVery high
- Strong windVery high
- Inland floodingVery high
- Heat wavesRelatively high
- Winter weatherRelatively high
- TornadoesRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Miami’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Ottawa County and the Miami, OK metro.
Miami home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Miami$130,377
- Oklahoma$220,801
- United States$366,157
Sellers are cutting prices on about 1 in 4 Miami listings, and the typical home goes pending in 49 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Miami22.93%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Miami49
- United States24
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Miami117
New listings per month
Sellers arriving at the market.
- Miami23
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Miami$141,469
- United States$371,407
Zip codes with a Miami address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Miami — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.