Opa-locka, Florida.
Typical home $472,824 (+1.5% in a year), asking rent $1,931 (-2.1%). Miami-Fort Lauderdale-Pompano Beach, FL metro.
to buy the typical home at today's mortgage rate — +$1,498 (+152%) since Jan 2020.
- 1 year
- Up $6,915 +1%
- $465,908$472,824 since Sep 2025
- 5 years
- Up $137,548 +41%
- $335,276$472,824 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.
- Opa-locka$2,482
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 10 years.
Typical home values in Opa-locka, FL rose 1.5% over the past year — faster than the nation's +1.2%.
Asking rents in Opa-locka, FL fell 2.1% over the past year — slower than the nation's +2.7%.
Owning the typical home in Opa-locka runs $1,376/mo more than renting one. The gap peaked at $1,541 in May 2024.
That is $3,307 a month against $1,931 rent: a $2,482 mortgage payment, plus $319 property tax and $506 insurance & upkeep.
Owning vs renting — Opa-locka
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,307
- Renting$1,931
- Mortgage only$2,482
Property tax · $319/mo 0.81% of value a year — the ACS 2020-2024 median bill over the median home value for Miami-Dade County, FL
Insurance & upkeep · $506/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Opa-locka, Miami-Dade County, Florida
Opa-locka is a city of 16,463 people in Miami-Dade County. Half its households earn more than $37,532 a year and half less, against $71,753 across Miami-Dade County; 30% of its people live below the poverty line. 29% of its homes are lived in by their owners and 71% are rented. Unemployment in Miami-Dade County was 1.9% in September 2026, and the county had 1.5% more jobs in 2025 than the year before. The most residents work in schools and health care, then transport and warehouses.
Written by AI Claude Sonnet 5.5 wrote this on 24 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. Opa-locka is a city in Miami-Dade County whose residents are younger than people in many American towns. Incomes run well below the county's, and a larger share of people live below the poverty line than is typical. Most homes are rented rather than owned, and relatively few adults hold a four-year degree. Winters are mild and summers are hot, with plenty of rain through the year and no real snow to speak of.
Work. Residents work mostly in schools, hospitals and social care, in transport, warehouses and utilities, in shops, and in restaurants, hotels and entertainment. Among the largest workplaces in Opa-locka are Learjet Inc. Opa Locka, which does aircraft maintenance and repair, Cigarette Holdings, a boat yard, and Atlas Packaging, which makes corrugated boxes. Few people work from home, and the typical commute is a little longer than many people would like.
Things to do. Sports fans have Hard Rock Stadium and LoanDepot Park, both stadiums a short drive away, along with the Miami International Autodrome, a race track that is also close. For something quieter, the Pérez Art Museum Miami is a museum a short drive away, and Vizcaya Museum and Gardens, a botanical garden, is a longer drive.
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- 5,548households
- 8%of adults have a degree
- 30%below the poverty line
- 32 mintypical commute
- 7%work from home
What residents work in
Employed residents by industry, from the Census survey. Miami-Dade County had 1,276,535 jobs in 2025, 1.5% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 77° and lows near 59°; warmest in August, with highs near 91° and lows near 77°. About 63 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Miami Opa Locka Airport weather station, 2 miles away (NOAA).
Largest workplaces in Opa-locka
- Natural Vitamins LaboratoryVitamin preparations manufacturing303
- Learjet Inc. Opa LockaMaintenance and repair services, aircraft294
- Cigarette HoldingsBoat yards121
- Atlas PackagingBoxes, corrugated and solid fiber, made from purchased paper or paperboard77
- AT&T Services, Inc. M01CGWired telecommunications carriers71
- BrandSafway Solutions LLC - Miami FL BranchSpecialty trade contractor68
- California Closets57
- Sol-A-TrolWindow installation53
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 15 workplaces with 20 or more staff, 1,270 people in all. 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
- HurricanesRelatively high
- Heat wavesRelatively moderate
- LightningRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Opa-locka’s census tracts, against the rest of the country; all of them together, relatively low. 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 Miami-Dade County and the Miami-Fort Lauderdale-Pompano Beach, FL metro.
Opa-locka home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Opa-locka$472,824
- Florida$375,361
- United States$366,157
Sellers are cutting prices on about 1 in 4 Opa-locka listings — the market is roughly in balance.
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.
- Opa-locka26.46%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Opa-locka74
New listings per month
Sellers arriving at the market.
- Opa-locka18
Zip codes with a Opa-locka address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Opa-locka — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Opa-locka
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 33055 | Opa Locka | 37,659 | $3,122 | $501,748 |
| 33054 | Opa Locka | 31,055 | $2,119 | $427,878 |