Opa-locka, FL · Updated Oct 2026

What a Opa-locka home costs each year

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Suggestions as you type come from Google; the lookup uses free public map services to find who serves it. Not stored unless you save your house.

Example · a Opa-locka house

$11,477a year · $956 a month

Starts at $115,001 of value before exemptions. Typical use.

Property tax$1,699
2.397% of $115,001, less $25,000 homestead exemption and less $26,411 additional homestead exemption
Electricity$1,953
1104 kWh a month $1,775 · City of Opa-locka public service tax $178
Water and sewer$1,148
9 units (CCF) a month on Miami-Dade Water and Sewer Department: water $31, sewer $61, City of Opa-locka public service tax $3 a month
Trash$702
County garbage cart (full service: garbage, trash, recycling and Trash and Recycling Centers), $59 a month
Home insurance$5,975
Typical premium $5,975

A typical Opa-locka house costs about $11,500 a year: $1,700 property tax and charges, $1,150 water and sewer, $700 trash, $1,950 electricity, $5,980 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 29, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.

Ways to pay less

Nothing here applies to every house automatically. These are worth checking:

Seniors 65+ with income up to $38,686: senior exemptionExtra exemption
The Senior Exemption is an additional benefit for homestead owners: at least one owner must be 65 by January 1, and total household adjusted gross income in the previous year, 2025, cannot exceed $38,686. Senior exemption benefits are a local option: county and city governments (not the School Board) choose whether to grant them.
How: Apply online with the Miami-Dade Property Appraiser, or on form DR-501 (Age 65 and Older with Limited Income) with the household income statement DR-501SC.
$5,000 exemptions for widowed, blind and disabled owners and disabled veterans$5,000 off taxable value
Miami-Dade lists $5,000 exemptions for an un-remarried widow or widower, for blind owners, for owners totally and permanently disabled as of January 1, and for veterans with a service-connected disability rated at 10% or more; service-connected totally and permanently disabled veterans have a separate exemption.
How: See the Miami-Dade Property Appraiser's list of available exemptions and application requirements.
Pay your tax bill in November for 4% off4% off the bill
Florida law gives a 4% discount for payment in November, 3% in December, 2% in January and 1% in February; there is no discount in March.
How: Pay your property tax bill in November.

Adjust to match your bills

What you know

Value before exemptionsMost Opa-locka homesteads are assessed below market value because of the Save Our Homes cap: the median just (market) value of homestead residential property is $318,412, but the median assessed value is $115,001. Use the assessed value on your TRIM notice; if you bought recently, your assessed value starts near the market value.

I live here and have the Homestead exemption and Additional homestead exemption

Home insurance, a yearFrom your policy. We start at $5,975, Florida Office of Insurance Regulation, July 2026 Insurer Stability report: Miami-Dade County average homeowners premium including wind, data as of March 31, 2026.

Your use

Water, units a month

On your water bill. 1 unit (CCF) is 748 gallons. A typical house uses 7–12.

Electricity, kWh a month

On your Florida Power & Light (FPL) bill. An electric car adds about 300 kWh.

Money dates

Mar 1in 117 daysDeadline to file for the homestead exemption with the Miami-Dade Property Appraiser; timely exemption applications are accepted through March 1.
Apr 1Unpaid property taxes become delinquent on April 1, or 60 days after the original tax notice is mailed if that is later.
Sep 20Late exemption applications can be filed from March 2 until the deadline on your August notice, which is on or before September 20.
Nov 1Property taxes are due November 1; paying in November takes 4% off (3% in December, 2% in January, 1% in February).

Who serves this house

Water: Miami-Dade Water and Sewer Department; Miami-Dade WASD residential water, effective Oct. 1, 2026: $5.36 a month for a 5/8" meter, which includes the first 3 ccf (2,244 gallons), then $4.3455 per ccf for 4-17 ccf and $10.5112 per ccf for 18 ccf and over (1 ccf = 748 gallons).
Property tax: 2.40% of value; 2026 tax year (fiscal year 2026-27), Miami-Dade County millage code 0800 (Opa-locka)
Garbage: Miami-Dade County Department of Solid Waste Management; Garbage twice a week and recycling every other week
Electricity: Florida Power & Light (FPL); Residential Service (RS-1): $10.52 base charge a month plus per-kWh charges (October 2026)
Schools: Miami-Dade County Public Schools; School millages for 2026: 5.4990 operating, 1.0000 voted and 0.1240 debt service

Pay or manage your bills

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How these numbers are made

Property tax: 23.9690 mills in total for Miami-Dade millage code 0800 (Opa-locka), 2026 adopted rates: City 8.9797; School Board 5.4990 operating, 1.0000 voted operating and 0.1240 debt; South Florida Water Management District 0.0948, Everglades Construction Project 0.0327 and Okeechobee Basin 0.1026; Florida Inland Navigation District 0.0270; Miami-Dade County 4.5740 plus 0.3937 debt; Fire & Rescue District 2.3965; Library 0.2812; The Children's Trust 0.4638.
The starting value is the Property Appraiser's July 2026 preliminary median assessed value of Opa-locka homestead residential property ($115,001), which covers all homestead residential parcels (houses, townhouses and condominiums), because no single-family-only median is published; it reflects the Save Our Homes cap (median just value $318,412). Homestead exemptions are the standard $25,000 plus the additional exemption (up to $26,411, non-school).
Trash: the county Residential Solid Waste Collection Fee ($702 a year for full service) is on the tax bill and shown as trash, not added again. Stormwater is not included: Miami-Dade's Stormwater Utility fee is $7.50 a month per equivalent residential unit, but no official source found says whether Opa-locka homes pay it or the $6.00 Storm Water Utility charge on the city's old rates page.
Water and sewer: Miami-Dade WASD residential rates effective Oct. 1, 2026, which now bill Opa-locka customers after the city's transition to WASD; the 5/8-inch meter (the most common residential size, the only residential size listed for sewer) is modeled, with the first 3 ccf (2,244 gallons) included in the $5.36 water and $9.13 sewer base charges. Water: $4.3455 per ccf for 4-17 ccf and $10.5112 per ccf from 18 ccf; sewer: $8.6573 per ccf from 4 ccf. The WASD South Florida Water Management District water restriction surcharge (applies at 18 ccf and over) is not modeled.
Electricity: FPL rate RS-1 effective October 2026, $10.52 a month plus 12.258¢ per kWh up to 1,000 kWh and 14.258¢ above; typical use 1,104 kWh a month is EIA's 2024 Florida residential average. The city's 10% public service tax on electricity and on water is applied. FPL's franchise fee and the Florida gross receipts tax are not included. Gas is not modeled. Insurance: Florida OIR's Miami-Dade County average homeowners premium with wind coverage ($5,975, data as of March 31, 2026); flood insurance is not included.
Nothing here is legal, tax or insurance advice.

Sources

How Opa-locka compares

A typical Opa-locka house against the 76 Florida cities we cover, using the same default numbers as the total above.

Per year	Opa-locka	Median	Where it falls
Property tax rate	2.40%	1.79%	higher than 75 of the other 75 Florida cities we cover
Water	$377	$466	lower than 54 of the other 75 Florida cities we cover
Sewer and utility-bill fees	$771	$836	lower than 47 of the other 74 Florida cities we cover
Trash	$702	$369	higher than 65 of the other 72 Florida cities we cover
Electricity and gas	$1,953	$1,953	higher than 24 of the other 75 Florida cities we cover
Home insurance	$5,975	$3,702	higher than 43 of the other 72 Florida cities we cover
Total	$11,477	$12,804	lower than 60 of the other 75 Florida cities we cover

Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.

Questions to ask your candidates

Each one starts from a number above. Any candidate can answer them.

1. Property tax rate

The fact: Opa-locka's property tax rate is 2.40%, higher than 75 of the other 75 Florida cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Opa-locka is 2.40%, higher than 75 of the other 75 Florida cities we cover. What should that money pay for first, and would you change anything about how it is set?"

2. Trash

The fact: Trash pickup here costs about $702 a year for the standard cart, higher than 65 of the other 72 Florida cities we cover. Where trash is billed through the tax bill or a separate hauler, it is not counted here.

Ask: "Trash pickup here costs about $702 a year for the standard cart, higher than 65 of the other 72 Florida cities we cover. What drives that cost, and would you change anything about the service or the price?"

See who is running in your city →

Common questions about Opa-locka house costs

What is the property tax rate in Opa-locka?

About 2.40% of the value before exemptions a year (2026 tax year (fiscal year 2026-27), Miami-Dade County millage code 0800 (Opa-locka)), plus flat charges on the same bill.

How much is property tax on a $500,000 house in Opa-locka?

About $10,927 a year on $500,000 of the value before exemptions with the homestead exemption.

How much is the water bill in Opa-locka?

About $93 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on Miami-Dade Water and Sewer Department.

How much does trash pickup cost in Opa-locka?

$59 a month for a house.

When is property tax due in Opa-locka?

Apr 1: Unpaid property taxes become delinquent on April 1, or 60 days after the original tax notice is mailed if that is later. Nov 1: Property taxes are due November 1; paying in November takes 4% off (3% in December, 2% in January, 1% in February).

Can seniors lower their property tax or bills in Opa-locka?

Yes. Seniors 65+ with income up to $38,686: senior exemption: The Senior Exemption is an additional benefit for homestead owners: at least one owner must be 65 by January 1, and total household adjusted gross income in the previous year, 2025, cannot exceed $38,686. Senior exemption benefits are a local option: county and city governments (not the School Board) choose whether to grant them.

How much does a house in Opa-locka cost to run each year?

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