What it's like to live in Cutler Bay
Cutler Bay is a small city in Florida with unemployment below the national average, household incomes running above the national average, and crime rates well below the national average. Those factors carry real weight for anyone weighing where to move next.
The tradeoffs are worth naming plainly. Cutler Bay deals with rent well above the national average, home prices well above the national average, long average commutes, and air quality that falls short of national benchmarks.
The good
- Low unemployment
- Higher-than-average incomes
- Low crime rates
The not so good
- Rent well above the national average
- High home prices
- Long commutes
- Air quality concerns
- High student-teacher ratio
- High rent burden for renters
How Cutler Bay compares
Median household income
Median rent (per month)
Median home value
What it takes to move to Cutler Bay
Based on Cutler Bay's median rent, home value and household income
To rent
$3,956
up front: first month plus a typical one-month deposit
- Income to keep rent under 30%: $79,120 a year
- 62% of Cutler Bay renters spend 30% or more of their income on rent
To buy
$94,540
a 20% down payment on the median home
- With 10% down: $47,270
- Homes cost 5.3× the typical local household income (US: 4.1×)
Moving costs, closing costs and taxes not included.
The details
Cost of living▲ 40% above US
$1,978/mo median rent
Rent is expensive here, at $1,978 a month median and well above the national average. This is the kind of city where housing costs deserve serious budgeting before committing to a move. Home prices are steep, with a median around $472,700. Renting first to get a feel for the city before buying is often the more practical route.
Median home value $472,700 · 62% of renters cost-burdened
Job market▼ 42% below US
2.5% unemployment
Unemployment here is 2.5%, well below the national average of 4.3%.
City-level (BLS)
Safety▼ 72% below US
91 violent crimes per 100k
Pretty safe, all things considered. Violent crime sits below the national average, nothing alarming, just ordinary city-life awareness.
Property crime 1111/100k · Cutler Bay Police Department · 2025 data
Getting around▲ 47% above US
38 min average commute
Traffic is a real factor here. The 38.2 minute average means plenty of commuters are pushing 45 to 60 minutes on a bad day. Proximity to work matters more here than it might elsewhere. 8 in 10 workers drive to work; 16% work from home.
How workers get to work
Climate
Summers are hot and humid, with highs regularly hitting 90°F, and winters are mild, with lows rarely dropping below 57°F. It's a wet climate overall.
Average month
30-year averages, 1991–2020
Education & workforceNear US average
34% bachelor's degree or higher
Education levels run about average, with 34% college-educated. It's a mix of white-collar and blue-collar work, which can be an asset or a limitation depending on the field.
Schools
11 public schools inside the boundary
There are 11 public schools inside the boundary and 6 private schools. The student-to-teacher ratio is 22:1, above the national average of 16:1.
Parks & recreation
The nearest national park or historic site is Biscayne National Park (10 miles away). There are 3 national parks and sites within a day's drive.
Bottom line
Cutler Bay's strongest points are unemployment below the national average and household incomes running above the national average; the main tradeoffs are rent well above the national average and home prices well above the national average. A year of median rent ($1,978/mo) equals 27% of the median household income here, more than the 21% typical nationwide. It tends to suit job seekers, anyone prioritizing low crime, and remote workers (16% of workers here already work from home). It may be a harder fit for renters on a tight budget, people who dread long commutes, and anyone who doesn't drive.
Other places near Cutler Bay
All Florida guides →Moving to South Miami Heights →
3 mi away · pop. 38,766
Rent $1,605/mo · Income $65,417
Compare with Cutler Bay →Moving to Palmetto Bay →
3 mi away · pop. 24,639
Rent $2,101/mo · Income $142,447
Compare with Cutler Bay →Moving to Palmetto Estates →
3 mi away · pop. 16,129
Rent $1,948/mo · Income $82,064
Compare with Cutler Bay →Not sure Cutler Bay is the one?
Put it side by side with another city.