Miami, OK home prices
Typical home $140,954 · +7.1% in a year · income needed $38,600
The Miami, OK metro area ranks 833 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +7.1% in a year and +24.4% over five years. With 20% down at 7.11%, the typical home costs about $902 a month including 0.62% property tax (Ottawa County rate).
Mortgage on the typical Miami home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $28,191 | $112,763 | $759 | $0 | $143 | $902 | $38,600 |
| 10% down | $14,095 | $126,858 | $853 | $53 | $143 | $1,049 | $45,000 |
| 5% down | $7,048 | $133,906 | $901 | $56 | $143 | $1,100 | $47,100 |
| 3.5% down (FHA) | $4,933 | $138,400 | $931 | $62 | $143 | $1,137 | $48,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.62% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Miami area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Ottawa County, OK | $140,960 | +7.1% | 0.62% |
What can you afford in Oklahoma on your salary? · Oklahoma home prices · Salaries in Oklahoma
Frequently asked questions
How much is a house in Miami?
The typical home in the Miami, OK metro area is worth $140,954 (Zillow, September 2026).
What salary do you need to buy a house in Miami?
About $38,600 a year for the typical home with 20% down at 7.11%.