© OpenMapTiles © OpenStreetMap
Living in
Cutler Bay.
About
Life in Cutler Bay
Cutler Bay offers suburban living within the Miami metropolitan area, though it comes with real trade-offs worth understanding before you move. The job market is solid with unemployment under 2.5%, and median household income sits around $89,000, but you'll be paying roughly $2,000 for rent and median home prices near $2,000—typical for the South Florida region. Your commute to jobs elsewhere in Miami or the county will likely run 40 minutes or more, making many residents car-dependent despite the urban classification.
Cutler Bay at a Glance
Population, income, housing and more
Median Age
41.8 yrs
Poverty Rate
9.7%
Foreign-Born
42.1%
Broadband Internet
94.9%
of households
Population Growth
-1.5%
recent change · Census Bureau
Median household income
Demographics42.1% foreign-born, most often from Cuba
Who lives in Cutler Bay: race and ethnicity, ages, households, languages and countries of origin
In Cutler Bay, the largest foreign-born group is from Cuba (48.2%), and 58.3% of residents speak Spanish at home.
Under 18
22.4%
of residents
65 and Older
16.9%
of residents
Households with Kids
36.5%
anyone under 18
Living Alone
17.4%
of households
Married Couples
52.7%
of households
Avg Household Size
3.08
people
Race & Ethnicity
Hispanic or Latino of any race; other groups are non-Hispanic
Top countries of origin (foreign-born)
Languages Spoken at Home
Cost of Livingrent 19% above FL average
Rent, home values, and income in Cutler Bay
In Cutler Bay, rent runs 19% above the FL average, and home values are 32% above the FL average.
Median rent (per month)
Median home value
Rent Burdened
61.9%
spending 30%+ of income on rent
Severely Rent Burdened
38.8%
spending 50%+
Cost of Living Index
114.2
metro area (BEA) · US avg = 100
Median Property Tax
$4,095
per year, owner-occupied homes
Homeowners
69.7%
of occupied homes are owned
Typical Home Built
1984
median year built
Vacant Homes
4.0%
of housing units
Home Value Trend
Latest: $563,335 (September 2026)
Jobs & Economyunemployment 1.4 pts below FL average
Unemployment in Cutler Bay and typical pay across the metro area
Unemployment in Cutler Bay is 1.4 percentage points lower than the FL average.
Unemployment rate
City-level rate · BLS annual average
Unemployment Rate — 10 Year Trend
City-level (BLS) · Annual averages
What Cutler Bay Residents Do for Work · share of employed residents by industry
City residents, wherever they work
Median Salary by Occupation · metro area
Miami-Fort Lauderdale-West Palm Beach, FL metro area
Commute38.2 min avg
How Cutler Bay residents get to work, and the nearest airports
In Cutler Bay, most residents drive alone to work (71%), and 32% get there in under 30 minutes.
How People Get to Work
Commute Time Distribution
Nearest airports · with airline service
- 15 mi
Miami International Airport (MIA)
Major hub26.5M passengers boarded in 2025
Straight-line distance. Size is the FAA’s hub category, based on passenger traffic: regional airports may have only a few flights a day.
Safetyviolent crime 72% below national average
Crime rates for 2025
Violent crime in Cutler Bay runs 72% below the national average.
Violent Crime Rate
91.3
per 100,000 residents
Below average (329 national, 2025)
Property Crime Rate
1,111.1
per 100,000 residents
Below average (1,552 national, 2025)
Cutler Bay Police Department
Natural DisastersFlood most common — 30 events in 2025
Natural hazard risk, storms and earthquakes
FEMA National Risk Index
Very High
99.6 / 100
Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).
Miami-Dade County, county-wide · FEMA NRI December 2025
In Miami-Dade County, which includes Cutler Bay, the most common type is flood, with 30 recorded events in 2025.
Most common events:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 30 | Flood | $229,000 |
| 2024 | 28 | Flood | $3.9M |
| 2023 | 40 | Flood | $170,000 |
| 2022 | 30 | Flash Flood | $19,000 |
| 2021 | 25 | Flood | $1.5M |
| 2020 | 37 | Flood | $67,000 |
| 2019 | 41 | Flood | $355,000 |
| 2018 | 21 | Funnel Cloud | $21,000 |
Property damage is the National Weather Service's estimate filed with each event. “None reported” means the events were logged with $0 damage; “Not estimated” means no estimate was filed. Storms covering several counties aren't counted here, since NOAA doesn't split their damage by county.
0 earthquakes of magnitude 2.5+ within 100 miles in the past year
Miami-Dade County, county-wide
Cutler Bay is about 2% of Miami-Dade County’s population, so county-wide figures may differ from local conditions.
Air Quality47 median AQI — Good
Days by air quality category (2025)
Air quality in Miami-Dade County, which includes Cutler Bay, is typically good — 206 good-air days per year.
Median AQI
47
Good Days
206
per year
Moderate Days
158
per year
Unhealthy Days
0
per year
Miami-Dade County, county-wide
Cutler Bay is about 2% of Miami-Dade County’s population, so county-wide figures may differ from local conditions.
Climate90°F summers, 57°F winters
30-year climate averages (1991–2020) — monthly temperatures and precipitation
Cutler Bay has warm summers (avg high 90°F) and warm winters (avg low 57°F).
Spring (Mar–May)
83°/63°F
avg high / low
Summer (Jun–Aug)
90°/72°F
avg high / low
Fall (Sep–Nov)
85°/68°F
avg high / low
Winter (Dec–Feb)
77°/57°F
avg high / low
Annual Precipitation
56.9"
Annual Snowfall
0.0"
Hot Days/Year
80
days above 90°F
Freeze Days/Year
0
days below 32°F
Rainy Days/Year
140
Average month
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 76°F | 55°F | 2.04" |
| Feb | 78°F | 57°F | 2.26" |
| Mar | 80°F | 59°F | 2.29" |
| Apr | 84°F | 63°F | 3.39" |
| May | 86°F | 68°F | 5.63" |
| Jun | 89°F | 72°F | 10.11" |
| Jul | 90°F | 73°F | 7.76" |
| Aug | 90°F | 73°F | 10.16" |
| Sep | 89°F | 73°F | 10.09" |
| Oct | 86°F | 69°F | 7.60" |
| Nov | 81°F | 63°F | 2.88" |
| Dec | 78°F | 58°F | 2.26" |
Healthcare
Hospitals, ratings, and health insurance in Cutler Bay
Uninsured
10.8%
of residents
No hospitals inside Cutler Bay's limits — nearest hospitals · within 15 miles
Baptist Hospital of Miami
Acute Care Hospitals · ER available · 7.7 mi away · Miami
Homestead Hospital
Acute Care Hospitals · ER available · 8.9 mi away · Homestead
South Miami Hospital
Acute Care Hospitals · ER available · 9.1 mi away · Miami
Adult Health · vs. the typical US place
Share of adults. Modeled estimates, not counted cases. “US” = the typical US place.
Medicare-certified hospitals only. Doesn’t include clinics, urgent care, or freestanding ERs.
Education22.3:1 student/teacher ratio
Schools and degree attainment in Cutler Bay
Cutler Bay's student/teacher ratio is 22.3:1 (higher than the national average of 16:1), and 34.0% of adults 25+ hold a bachelor's degree or higher.
Public Schools
11
within city limits
Private Schools
6
within city limits
College Degree Rate
34.0%
adults 25+ with bachelor's or higher
Student/Teacher Ratio
22.3:1
National avg 16:1
Schools located within city limits (2023) — school-level metrics change slowly year to year
Colleges & Universities in Cutler Bay
Private for-profit · 2-year · 365 students · in-state tuition $14,247 · 56% graduate · median earnings $40,295 (10 yrs after entry)
Nearby Colleges (within 15 miles)
Florida International University
12.7 mi awayPublic · 4-year · 39,508 students · in-state tuition $6,565 · 74% graduate · median earnings $65,722 (10 yrs after entry)
Private nonprofit · 4-year · 12,913 students · in-state tuition $65,430 · 84% graduate · median earnings $84,093 (10 yrs after entry)
New Professions Technical Institute
14.2 mi awayPrivate for-profit · 2-year · 514 students · 100% graduate · median earnings $32,575 (10 yrs after entry)
Private nonprofit · 2-year · 482 students · 93% graduate · median earnings $64,063 (10 yrs after entry)
Degree-granting colleges with 100+ students, placed by campus location (main campuses only — branch campuses are reported under their parent school)
Parks & Recreationclosest: Biscayne National Park, 10 mi
Nearby national parks, recreation areas and public libraries for Cutler Bay
Cutler Bay has 3 nearby national parks or recreation areas, closest being Biscayne National Park (10 mi away).
Nearby National Parks & Recreation Areas
Biscayne National Park
National Park
10 mi awayEverglades National Park
National Park
37 mi awayBig Cypress National Preserve
National Preserve
54 mi awayPublic Libraries in Cutler Bay
South Dade Regional Library
10750 Sw 211 Street, Miami
Cities Near Cutler Bay
The closest cities within 60 miles
Planning a move to Cutler Bay?
Read our full moving guide — what it's really like to live here.
Cutler Bay FAQ
Is Cutler Bay, Florida affordable?⌄
Cutler Bay's median rent is $1,978/month, which is significantly above the national average. The median household income is $89,244/year. Median home value is $472,700.
Is Cutler Bay, Florida safe?⌄
Cutler Bay's violent crime rate was 91 per 100,000 residents in 2025, which is well below the national average — one of the safer cities in the country of 329/100k that year. Property crime rate is 1111 per 100,000. As with any city, crime rates vary by neighborhood.
What is the job market like in Cutler Bay, Florida?⌄
Cutler Bay has an unemployment rate of 2.5%, which is strong — well below the national average of 4.3%.
What is the cost of living in Cutler Bay, Florida?⌄
The cost of living in Cutler Bay is primarily driven by housing. Median rent is $1,978/month and median household income is $89,244/year. The median home value is $472,700. About 62% of renters spend more than 30% of their income on housing.
How is the commute in Cutler Bay, Florida?⌄
The average commute in Cutler Bay is 38 minutes, which is significantly longer than average compared to the national average of 26 minutes.
Data from the US Census Bureau, BLS, FBI, NOAA, EPA, Zillow Research and other public sources. Where our data comes from