Market Overview
Home Prices in Opa-locka, FL
The median home value in Opa-locka, FL is $475,081 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 0.9% compared to a year ago and down 1.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Opa-locka are priced16% above average. Opa-locka is part of the Miami-Fort Lauderdale-Pompano Beach, FL metro area.
Over the past five years, Opa-locka home values have risen by approximately42.5%, reflecting strong long-term appreciation in this market.
Price History
Opa-locka Home Price Trend
City Comparison
Opa-locka vs. National Median
At $475,081, homes in Opa-locka cost 16% above the national median of $410,000. Buyers in Opa-locka should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Opa-locka?
20% Down Payment
$95,016
on $475,081
Monthly P&I
$2,478/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,147/mo
incl. taxes & insurance
Income Needed
$125,880
gross annual (30% rule)
10% Down Option
$47,508
+ PMI applies
Loan Amount (20% dn)
$380,065
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Opa-locka, FL?
The median home value in Opa-locka is $475,081 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 0.9% year-over-year.
How much have home prices changed in Opa-locka?
Over the past year, home values in Opa-locka have decreased by 0.9%. Over five years, prices have risen approximately 42.5%.
How much do I need to earn to buy a home in Opa-locka?
To comfortably afford the median home price of $475,081 with a 20% down payment ($95,016) at today's rates (6.8%), you'd need a gross annual income of approximately $125,880. This assumes keeping total housing costs at or below 30% of gross income.
How does Opa-locka compare to the national average home price?
The national median home value is approximately $410,000. At $475,081, homes in Opa-locka are 16% above the national average.
What metro area is Opa-locka part of?
Opa-locka is part of the Miami-Fort Lauderdale-Pompano Beach, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.