HomeFloridaMiami-Dade CountyOpa-locka
Opa-locka, Florida: commercial real estate data.
Opa-locka is a Census city of 16,282 people across 4.31 square miles of land, in Miami-Dade County. Median household income is $37,532, 28.9 percent of occupied homes are owned, and the SBA record carries 56 7(a) approvals to borrowers here worth $32.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Opa-locka
What Opa-locka is
- Census place typecity
- Land area4.31 sq mi
- Water area0.18 sq mi
- Population per square mile of land3,780
- County holding the largest share of its areaMiami-Dade County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Opa-locka
How many people live in Opa-locka
- Population16,282
- Median age34.8
- Population under 183,885
- Share under 1823.9 percent
- Population 65 and over2,485
- Share 65 and over15.3 percent
- Households5,548
- Family households3,566
- Share of households that are families64.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Opa-locka
Income and work in Opa-locka
- Median household income$37,532
- Per capita income$18,160
- Civilian labor force7,050
- Employed6,759
- Unemployed291 plus or minus 136
- Unemployment rate4.1 percent plus or minus 1.9
- Adults 25 and over10,903
- Adults 25 and over with a high school diploma or higher72.0 percent
- Adults 25 and over with a bachelor degree or higher7.9 percent plus or minus 2.2
- Adults 25 and over with a graduate degree1.7 percent plus or minus 0.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Opa-locka
Housing in Opa-locka
- Housing units5,951
- Occupied units5,548
- Vacant units403 plus or minus 127
- Vacancy rate6.8 percent plus or minus 2.1
- Owner occupied1,604
- Renter occupied3,944
- Ownership rate28.9 percent
- Median owner-occupied home value$295,800
- Median gross rent, monthly$1,351
- Annual rent as a share of median income43.2 percent plus or minus 8.7
- Single family units2,409
- Share single family40.5 percent
- Units in buildings of two or more3,461
- Share in buildings of two or more58.2 percent
- Mobile homes81 plus or minus 82
- Median year structure built1969
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Opa-locka
How Opa-locka gets to work
- Workers 16 and over who commute6,108
- Commuting under 15 minutes1,218 plus or minus 334
- Share commuting under 15 minutes19.9 percent plus or minus 5.1
- Commuting 30 minutes or more3,019
- Share commuting 30 minutes or more49.4 percent
- Drove alone67.4 percent
- Carpooled10.6 percent plus or minus 3.8
- Public transport8.5 percent plus or minus 3.3
- Walked2.8 percent plus or minus 2.1
- Worked from home6.9 percent plus or minus 2.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Opa-locka
SBA loans in Opa-locka (7(a))
- Approvals56
- Gross approval$32,845,300
- Average approval$586,523
- Median approval$150,000
- Ninetieth percentile approval$1,913,950
- Largest approval$4,715,000
- Jobs supported617
- Jobs per approval11.0
- Loans with a final outcome8
- Paid in full6
- Charged off2
- Median term120 months
- Share on real estate terms of 20 years or more7.1 percent
- Share to franchises0.0 percent
- Distinct lenders24
- Distinct industries by NAICS49
Counted by borrower city: approvals to borrowers whose address is in Opa-locka, in any county, FY2020 to FY2026. Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Opa-locka
SBA loans in Opa-locka (504)
- Approvals37
- Gross approval$65,914,000
- Average approval$1,781,459
- Median approval$1,111,000
- Largest approval$5,000,000
- Jobs supported504
- Loans with a final outcome8
- Charged off0
- Median term300 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Opa-locka, in any county, FY2010 to FY2026. Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Opa-locka
Flood risk in Opa-locka
- NFIP communityCity of Opa-Locka
- NFIP community number120657
- Participating in the NFIPYes
- Community Rating System classClass 10
- Currently effective map date09/11/09
The City of Opa-Locka participates in the National Flood Insurance Program as community 120657 and carries Community Rating System class 10, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Miami-Dade County, not Opa-locka
Miami-Dade County context, not Opa-locka figures
- Establishments in Miami-Dade County98,394
- Covered employment, Miami-Dade County1,257,569
- Average annual pay, Miami-Dade County$77,609
- Housing units permitted, Miami-Dade County10,608
Every figure in this section is published for Miami-Dade County as a whole and is not a measurement of Opa-locka.
All Miami-Dade County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Opa-locka questions, answered from the record.
How many people live in Opa-locka, Florida?
16,282, in 5,548 households. Opa-locka city covers 4.31 square miles of land, which is 3,780 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Opa-locka in?
Miami-Dade County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Opa-locka?
$37,532. The median owner-occupied home is valued at $295,800. Median gross rent is $1,351 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Opa-locka businesses?
56 7(a) approvals totaling $32.8 m since FY2020, across 24 lenders, median approval $150,000, plus 37 504 approvals worth $65.9 m since FY2010. These count approvals to borrowers whose address is in Opa-locka, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Opa-locka borrowers get paid back?
No rate is published for Opa-locka. Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Opa-locka in the National Flood Insurance Program?
Yes. Opa-locka appears in the FEMA Community Status Book as Opa-Locka, city of, community 120657, carrying Community Rating System class 10, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Opa-locka figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Miami-Dade County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Opa-locka.
Is zoning published for Opa-locka?
No. Nothing on this page presents parcel level zoning.