Is Cutler Bay, FL a Good Place to Live?
Cutler Bay is a small city of 44,738 in Florida, with a median household income of $78,569 and a 4.4% unemployment rate. Its cost of living index is 112 (US average = 100), which is 12% above the national average.
Strengths: Cutler Bay stands out for lower-than-average crime, solid school ratings (B-).
Trade-offs: Potential downsides include an above-average cost of living, longer commutes. Whether Cutler Bay is right for you depends on your priorities — the full breakdown is below.
All Cutler Bay city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 111.8Cutler Bay's overall cost of living index is 111.8, where 100 represents the US national average. Living in Cutler Bay costs roughly 12% more than the average American city.
| Metric | Cutler Bay, FL | National Avg |
|---|---|---|
| Median Home Value | $378,900 | $244,900 |
| Median Monthly Rent | $1,806 | $1,163 |
| Homeownership Rate | 65.5% | 65.9% |
| Median Household Income | $78,569 | $74,755 |
Crime & Safety
Very SafeCutler Bay's violent crime rate is 147.8 per 100,000 residents — 61% lower than the national average of ~380 per 100,000.
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
Cutler Bay is served primarily by MIAMI-DADE. The student-to-teacher ratio is 19.4:1 (slightly above the national average of ~16:1).
| Metric | Cutler Bay, FL | National Avg |
|---|---|---|
| School District | MIAMI-DADE | — |
| Elementary Schools | 288 | — |
| Middle Schools | 77 | — |
| High Schools | 130 | — |
| Student/Teacher Ratio | 19.4:1 | 16:1 |
| Bachelor's Degree or Higher | 30.9% | 35.4% |
| High School Diploma or Higher | 87.9% | 91.1% |
Weather & Climate
Cutler Bay sees average highs of 76.1°F in January and 90.0°F in July, with 56.8 inches of annual precipitation .
| Metric | Cutler Bay, FL |
|---|---|
| Average High — January | 76.1°F |
| Average High — July | 90.0°F |
| Annual Precipitation | 56.8" |
| Annual Snowfall | Trace / None |
Demographics
| Metric | Cutler Bay, FL | National Avg |
|---|---|---|
| Population | 44,738 | — |
| Median Age | 40.9 | 38.9 |
| Unemployment Rate | 4.4% | 3.7% |
| Avg Commute Time | 40.0 min | 26 min |
| White (non-Hispanic) | 51.2% | 59.3% |
| Black or African American | 9.1% | 13.6% |
| Hispanic or Latino | 35.1% | 18.9% |
| Asian | 1.8% | 6.3% |
| Under 18 | 22.5% | 22.2% |
| 65 and over | 16.1% | 16.8% |
Nearby Cities
ZIP Codes in Cutler Bay
Cutler Bay, FL is covered by 2 ZIP codes: