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Opa Locka, Miami-dade County, Florida Property Taxes

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Property Taxes in Opa Locka, Florida

  • Median Opa-locka, Florida effective property tax rate: 1.47%, significantly higher than the national median of 1.02%, and higher than the Florida state median of 1.10%.

  • Median Opa-locka, Florida home value: $321,903

  • Median annual Opa-locka, Florida tax bill: $4,510, $2,110 higher than the national median property tax bill of $2,400.

How are property taxes in Miami-Dade calculated?

Property taxes in Opa-locka, Florida are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding Opa-locka's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Opa-locka, knowing local tax details benefits homeowners and investors.

Last Updated April 13, 2026

Opa Locka, Miami-dade County, Florida Property Tax Bill Calculator

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.47%

Estimate Property Tax Bill

$4,732

$4,391

SAVE WITH OWNWELL

$774

Average Annual Tax Savings

How Does the Opa Locka Property Tax Calculator Work?

Use this Opa Locka property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies Opa Locka's median effective tax rate of 1.47% — based on actual property records in Miami-Dade County — to generate your estimate.

Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Opa Locka's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.

Your bill may vary by ZIP code within Opa Locka: rates range from $3,113.00 in 33055 to $4,526.00 in 33054, primarily due to differences in school district levies and local assessment districts.

Opa Locka's median property tax bill of $4,510 is higher than the Florida median, and the city’s 1.47% rate is higher than the state median of 1.10%. If your estimate is higher than expected, Ownwell can appeal your Opa Locka assessment — you only pay if we save you money.

About Opa Locka Property Taxes

About Property Taxes in Opa Locka, Miami-Dade, Florida

Opa Locka’s median effective property tax rate of 1.47% is higher than the Florida state median of 1.10% and higher than the national median of 1.02%. This rate reflects the Miami-Dade County base levy combined with local school district levies and Municipal Service Benefit Units (MSBUs) that vary by subdivision throughout the city.

Property tax rates are not uniform across Opa Locka. Homeowners in the 33054 ZIP code carry a median effective rate of 1.48%, while those in 33055 pay 0.78%. This spread — 0.70 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Miami-Dade County. Understanding which part of Opa Locka you live in can make a meaningful difference to your annual tax bill.

Opa Locka homeowners who believe their assessed value is too high can file a formal appeal with the local Property Appraiser before the September 16, 2026 deadline each year.

If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.

Property Tax Rates Across Opa Locka, Miami-dade County, Florida

As noted earlier, local government entities set tax rates, which can vary widely within a state.

Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.

While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.

Below, you can compare Opa Locka's effective property tax rate to other cities in Florida and the median property tax rates in Florida and the U.S.

Property Tax Rates Across Opa Locka, Miami-dade County, Florida

Source: Ownwell

0.75%

1.45%

2.16%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Opa Locka Tax Rate

1.47%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Miami-dade County Tax Rate

1.38%

Median Effective Florida Tax Rate

1.10%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Opa Locka, Miami-dade County, Florida

Zip10th Percentile25th PercentileMedian Tax Rate75th Percentile90th Percentile
330540.45%0.61%1.48%2.04%2.30%
330550.42%0.51%0.78%1.52%1.85%

Source: Ownwell

Property Tax Assessment Values Across Opa Locka, Miami-dade County, Florida

When examining property taxes in Opa-locka, Florida, understanding the distinction between market value and assessed value is crucial.

The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Miami-Dade County appraisal district estimates the market value for tax purposes.

The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.

Assessment notices:

In Miami-Dade County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of August.

Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. The median home price in Opa-locka is $321,903, while the median property tax bill is $4,510, compared with the national median property tax rate of 1.02% and national median property tax bill of $2,400. Tax bills range significantly across the county, from $3,113 in 33055 to $4,526 in 33054.

Property Tax Assessment Values Across Opa Locka, Miami-dade County, Florida

Source: Ownwell

$162,312

$29,023,649

$57,884,986

Median Opa Locka Market Value

$321,903

Median Miami-dade County Market Value

$420,480

Median Florida Market Value

$310,033

Median United States Market Value

$235,294

Property Tax Assessment Values Across Opa Locka, Miami-dade County, Florida

Zip10th Percentile25th PercentileMedian Home Price75th Percentile90th Percentile
33054$239,881$279,739$321,016$370,422$434,099
33055$318,200$327,740$352,294$410,365$473,514

Source: Ownwell

Property Tax Bills Across Opa Locka, Miami-dade County, Florida

Property tax bills in Opa-locka are based on the assessed value of a home and the local tax rate set by Miami-Dade County and other taxing authorities. When a home’s market value rises, the assessed value can increase too, which can lead to a higher tax bill. For homeowners, that means the amount owed each year can change even if nothing about the property itself has changed.

In Opa-locka, the median home price is $321,903, and property tax bills vary widely across the city. The 25th percentile tax bill is $2,023, while the 75th percentile is $6,368 and the 90th percentile is $8,098. The highest median tax bill is $4,526 in ZIP code 33054, compared with $3,113 in ZIP code 33055. That’s well above the national median property tax rate of 1.02% and the national median property tax bill of $2,400.

Ownwell helps homeowners lower property tax bills by reviewing assessments and filing appeals when a home is overassessed. If your assessed value is too high, Ownwell can help you challenge it and potentially save money.

Property Tax Bills Across Opa Locka, Miami-dade County, Florida

Source: Ownwell

$2,098

$248,335

$494,572

Median Opa Locka Tax Bill

$4,510

Median Miami-dade County Tax Bill

$4,977

Median Florida Tax Bill

$3,263

Median United States Tax Bill

$2,400

Property Tax Bills Across Opa Locka, Miami-dade County, Florida

Zip10th Percentile25th PercentileMedian Tax Bill75th Percentile90th Percentile
33054$1,419$2,029$4,526$6,379$8,116
33055$1,495$1,869$3,113$5,271$6,842

Source: Ownwell

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Frequently Asked Property Tax Questions in Opa Locka, Florida

How are property taxes calculated in Opa Locka, Florida?
Property taxes in Opa Locka, Florida are calculated by multiplying your property's assessed value by the applicable tax rate set by local taxing authorities. The assessed value is determined by the county assessor and may differ from your property's market value depending on local assessment ratios and exemptions.
How do I appeal my property taxes in Opa Locka, Florida?
To appeal your property taxes in Opa Locka, Florida, you typically need to file a formal protest or appeal with your local appraisal district or assessor's office by the stated deadline. You'll need evidence such as comparable sales, a recent independent appraisal, or documentation of property condition issues. Ownwell can handle this entire process for you.
What property tax exemptions are available in Opa Locka, Florida?
Common property tax exemptions in Opa Locka, Florida include homestead exemptions for primary residences, senior citizen exemptions, veteran exemptions, and disability exemptions. Exemption amounts and eligibility requirements vary by county. Contact your local appraisal district or check Ownwell for details specific to your property.
When are property taxes due in Opa Locka, Florida?
Property tax deadlines in Opa Locka, Florida vary by county but typically include an assessment notice period in spring or early summer, followed by an appeal deadline, and a tax payment due date in the fall or winter. Check with your county assessor's office for specific dates in your area.
How can Ownwell help reduce my property taxes in Opa Locka, Florida?
Ownwell provides professional property tax appeal services in Opa Locka, Florida. Our team analyzes your assessment, gathers evidence, files all paperwork, and represents you at hearings — all with no upfront cost. You only pay a percentage of your savings if we successfully lower your tax bill.