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Miami-Dade · Audience rules

Meta Ads in Miami and who each ad reaches.

For your Miami business, Meta Ads means Facebook and Instagram ads we plan and run for the audience Meta allows. An ad for a home, a job, insurance or a loan gets a wider, fixed audience, and we write it for that. Starter costs $1,250.00 a month plus a $500.00 setup.

Ages
18 to 65+, fixed
Genders
All, fixed
ZIP codes
Not available
Leaving places out
Not available
A city or an address
Comes with a 15-mile radius
Interests and behaviors
Some gone, and no exclusions
Lookalike audiences
Not available

A housing, job or financial ad on Meta, in the US. Source: Meta Business Help Center, “About audiences for housing, employment or financial products and services campaigns”. Read October 18, 2026.

The 15-mile circle

One city in your ad, most of the county in your audience

Housing, job and financial ads can’t use ZIP codes, and any city, address or pin you pick comes with a 15-mile radius. For a city, Meta measures it from the center. In Miami-Dade, a circle that size crosses city lines almost everywhere.

We measured it between the Census Bureau’s center points of the county’s 34 cities. Around the City of Miami, the circle takes in 30 of the other 33. Around Aventura, it reaches into Broward as far as Fort Lauderdale.

None of it can be taken back out, because these ads can’t exclude places. Only the far south stays small: around Homestead, the circle holds 3 other cities.

Meta checks the delivery too. Since 2023, it measures the mix of people who saw each US housing, job or credit ad and steers delivery toward the full audience the ad could reach.

We put the neighborhood or the city in the ad’s first line, and the photo shows the place. Someone 15 miles away can tell at a glance whether it’s for them.

Meta draws its circle from its own city center, so the count can change by a city or two.

Other Miami-Dade cities within 15 milesOf the county’s 33 other cities, how many sit within 15 miles of each one
  1. City of Miami
    30
  2. Miami Beach
    28
  3. Hialeah
    28
  4. Doral
    25
  5. Aventura
    21
  6. Coral Gables
    17
  7. Pinecrest
    15
  8. Homestead
    3
Our calculation: distances between the Census Bureau’s center points (2026 Gazetteer) of the 34 cities in the county’s FY 2025-26 budget, against the 15-mile radius in Meta’s rules.

Sources: Meta Business Help Center, “About audiences for housing, employment or financial products and services campaigns”; Meta Newsroom, “An Update on Our Ads Fairness Efforts”. Read October 18, 2026.Meta’s audience rules

Who falls in

Homes, jobs, insurance and loans: what Meta counts

Three of Meta’s special ad categories cover housing, employment, and financial products and services. In the US the audience rules are the same for all three.

Housing covers homes and apartments for sale or rent, temporary housing included, and offers of homeowners, renters and mortgage insurance. Employment covers jobs, internships, job fairs and job boards.

The financial category has been required in the US since January 21, 2025, in place of the old credit category. It covers loans, credit cards, bank accounts, investments and insurance, plus 0% APR installment plans, in-house ones included.

If an ad needs a category and runs without one, Meta may reject it. Choosing one doesn’t slow the review, and if you think a rejection is wrong, you can ask for a review in Business Support Home.

A condo for sale or an apartment for rent
Housing
Homeowners or renters insurance
Housing
Auto or health insurance
Financial
A car ad that offers financing
Financial
A treatment paid in installments at 0% APR
Financial
A job opening or a job fair
Employment
A hotel stay, or tax preparation
No category

Sources: Meta Business Help Center, “About ads for housing”, “About ads for employment”, “About ads for financial products and services” and “How to choose a Special Ad Category”. Read October 18, 2026.Meta’s financial list

Two languages

Why the language setting stays empty in Miami

Meta’s language setting is optional. Meta says to use it only for a language that isn’t widely spoken where the ad runs, and 67% of Miami-Dade residents age 5 and over speak Spanish at home.

Left empty, the setting lets Meta show the ad to people it predicts can understand its language, even if their apps run in another one. A bilingual customer whose Instagram is set to English can still get your Spanish ad.

Each language gets its own ad, written for its reader, and Meta shows each one to people likely to understand it. Meta’s option to carry several languages in one ad isn’t available when the ad opens a messaging app such as WhatsApp.

In Pew’s 2025 survey, 74% of Hispanic adults in the US use Facebook, 62% use Instagram and 56% use WhatsApp. Meta’s ads run on all three.

Language left empty

Meta predicts who understands the ad, even when their app is set to another language

One language chosen

For a language not widely spoken where the ad runs. Results can still come from outside it.

Several languages in one ad

Not available when the ad opens a messaging app

Meta’s AI translations

May not be open yet for housing, job and financial ads

Sources: Meta Business Help Center, “About audience language settings”, “Advertising in multiple languages” and “Create an ad using dynamic language optimization”, read October 18, 2026. Pew Research Center, “Social Media Fact Sheet”, survey of February 5 to June 18, 2025, read the same day. U.S. Census Bureau, American Community Survey 2024 1-year estimates, table C16001.Meta’s language settings

The plans

What each plan adds to your Meta ads

Starter runs one platform, Meta or Google, with at most 2 campaigns at a time and 8 new ads each month, 2 of them videos. It costs $1,250.00 a month plus a $500.00 setup. After a 3-month minimum it runs month to month.

Prices do not include sales tax. Where Florida applies it, it is added to the invoice.

Growth puts Meta and Google in one plan, tracks phone calls and includes a landing page built during setup. Pro adds a half-day shoot of photos and video at your business in Miami-Dade, once a quarter. We give you both prices on the call.

The fee holds while your monthly ad spend stays at $5,000.00 or less on Starter, $10,000.00 on Growth and $25,000.00 on Pro. Above that, we add 10% of the excess. You pay the ad spend straight to Meta, and to Google if your plan runs it.

Questions

What Miami advertisers ask about Meta’s rules

How much do Meta Ads cost in Miami?

With us, Starter costs $1,250.00 a month plus a $500.00 setup, for one platform. It has a 3-month minimum, then runs month to month, and you stop with 30 days’ written notice. That fee holds up to $5,000.00 of monthly ad spend, which you pay to Meta.

Is my ad in a special ad category?

Yes, if it offers a home, a job, insurance, a loan or a payment plan. Meta’s lists name rentals, homeowners insurance, job fairs, auto loans and 0% APR installments. Hotels, gift cards and tax preparation stay out. Meta says its lists aren’t complete, so we check each new offer before it runs.

Can I aim a housing ad at one ZIP code in Miami?

No. Housing, job and financial ads can target a country, a state or a city, never a ZIP code, and they can’t leave places out. A city, an address or a pin also brings in everyone within 15 miles, so in Miami-Dade the audience crosses city lines.

Can I show my ads only to Spanish speakers?

Not reliably. You can choose Spanish in the ad set, but Meta says results can still come from outside your language settings. It also keeps the setting for languages not widely spoken where the ad runs. In Miami we leave it empty, write the ad in Spanish and let Meta find people likely to understand it.

Can I still use my own customer list?

Yes. Housing, job and financial ads can use custom audiences, such as a list of your customers or the people who visited your site, through Ads Manager. Lookalike audiences built from them are not available. Meta also dropped the extra rules for customer lists that it had announced for 2025.

Pedro Galindez

Pedro Galindez

Founder

Rodrigo Martin

Rodrigo Martin

Founder

Next step

Bring the ad you want to run in Miami

In 20 minutes we tell you whether it falls in a special category, who it can reach, and which plan fits.

Marketing audit: $500.00, credited in full if you sign a plan within 30 days: against the setup or, if it has none, the first month. The 20-minute call is free.