Cutler Bay, FL demographics:
population, income, and more

Total population
45,070
1.3% year-over-year change
Median household income
$89,244/yr
8.6% year-over-year change
Housing units
15,074
-0.4% year-over-year change

Cutler Bay population

How many people live in Cutler Bay

Cutler Bay is home to 45,070 residents, according to the most recent Census data. Gender-wise, 48.4% of Cutler Bay locals are male, and 51.6% are female.

Total population
45,070
1.3% year-over-year change
Gender ratio
Male
48.4%
21,834
Female
51.6%
23,236
Value Percent YoY change
Male 21,834 48.4% 2.2%
Female 23,236 51.6% 0.6%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Cutler Bay is 42, with the population distributed as follows: about 17.4% are children under 15, then 13% are in the 15 to 24 age group. Adults between 25 and 44 make up 23.3% of the population, while another 29.4% fall into the 45 to 64 bracket. Finally, around 16.9% are 65 or older.

Median age
41.8
Age breakdown
Under 15
17.4%
15 to 24
13%
25 to 44
23.3%
45 to 64
29.4%
Over 65
16.9%
Value Percent YoY change
Under 15 7,863 17.4% -5.0%
15 to 24 5,852 13% 14.7%
25 to 44 10,508 23.3% -6.4%
45 to 64 13,236 29.4% 2.5%
Over 65 7,611 16.9% 9.5%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Cutler Bay, 54.6% of the population are US-born citizens, while 33.2% have gained naturalized citizenship. At the same time, 12.1% of residents are non-citizens. As for race, 34.9% of locals are Caucasian, 9.4% are African American and 1.6% have Asian roots. There’s also a share of 44.7% that includes residents with two or more races.

Citizenship
U.S.-born citizens
54.6%
Non-U.S.-born citizens
33.2%
Non-citizens
12.1%
Value Percent YoY change
U.S.-born citizens 24,613 54.6% 2.1%
Non-U.S.-born citizens 14,985 33.2% -1.7%
Non-citizens 5,472 12.1% 6.6%
Racial breakdown
White
34.9%
Black or African American
9.4%
American Indian and Alaska Native
0.1%
Asian
1.6%
Native Hawaiian and other Pacific Islander
0%
Two or more races
44.7%
Other
9.3%
Value Percent
White 15,722 34.9%
Black or African American 4,223 9.4%
American Indian and Alaska Native 64 0.1%
Asian 737 1.6%
Two or more races 20,141 44.7%
Other 4,183 9.3%

Households in Cutler Bay

A peek inside Cutler Bay households

Cutler Bay has 14,469 households, with an average of 3 members in each. Of these, 77.2% are families, while the remaining 22.8% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
14,469
-0.5% year-over-year change
Average people per household
3
Non-family households
3,292
Family households
11,177
Value Percent YoY change
Non-family households 3,292 22.8% 1.8%
Family households 11,177 77.2% -1.1%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Cutler Bay

The housing landscape of Cutler Bay

Cutler Bay's housing consists of 15,074 units, with 65.8% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 14% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 0.2% of the housing landscape.

Housing units
15,074
-0.4% year-over-year change
Housing types
Value Percent
1 unit, detached 9,920 65.8%
1 unit, attached 2,111 14%
2 units 126 0.8%
3 or 4 units 178 1.2%
5 to 9 units 211 1.4%
10 to 19 units 566 3.8%
20 to 49 units 616 4.1%
50 or more units 1,312 8.7%
Mobile home 34 0.2%
Homes built since 2020
24
-82.6% year-over-year change

The age of buildings in Cutler Bay

In Cutler Bay, the median construction year is 1984. About 0.4% of homes were built before the 1940s, with another 0.7% going up by 1949. Most development happened in the second half of the 20th century. Then, 25.9% of homes were added from 2000 to 2009, 7.2% between 2010 and 2019, and 0.2% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 57 0.4% -20.8%
Built between 1940 and 1949 102 0.7% 92.5%
Built between 1950 and 1959 2,474 16.4% -4.7%
Built between 1960 and 1969 1,997 13.2% 8.2%
Built between 1970 and 1979 2,087 13.8% 7.4%
Built between 1980 and 1989 1,892 12.6% -13.8%
Built between 1990 and 1999 1,455 9.6% -16.3%
Built between 2000 and 2009 3,905 25.9% 3.8%
Built between 2010 and 2019 1,081 7.2% 36.5%
Built in 2020 or later 24 0.2% -82.6%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Cutler Bay occupancy rates

Out of the 14,469 occupied housing units in Cutler Bay, 69.7% are owner-occupied, while 30.3% are lived in by tenants. Meanwhile, 4% of all homes on the local market sit vacant.

Occupied housing units
14,469
-0.5% year-over-year change
Occupancy breakdown
Renter occupied
4,380
Owner occupied
10,089
Value Percent YoY
change
Renter occupied 4,380 30.3% -0.9%
Owner occupied 10,089 69.7% -0.2%
Unoccupied housing units
4.0%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Cutler Bay housing costs

Housing costs in Cutler Bay come to a median of $2,089 per month, while tenants specifically pay a median gross rent of $1,978.

Median housing costs per month
$2,089/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Cutler Bay
$1,978/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Cutler Bay

Cutler Bay education at a glance

About 33.2% of the population in Cutler Bay went to high school, while 19.9% pursued college studies. Another 10.8% earned an associate degree and 20.9% hold a bachelor’s. Meanwhile, 10.5% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 1,666 4.8% -9.1%
High school diploma 11,601 33.2% -1.8%
College diploma 6,956 19.9% 3.4%
Associate degree 3,782 10.8% 6.8%
Bachelor's degree 7,301 20.9% 4.8%
Graduate degree 3,667 10.5% 9.2%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Cutler Bay

How much people earn in Cutler Bay

The average annual household income in Cutler Bay was $110,225 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +5.6% change from the previous year. At the same time, the median income stood at $89,244, reflecting a +8.6% shift over the same period.

Average household income in Cutler Bay
$110,225/year
5.5% year-over-year change
Median household income in Cutler Bay
$89,244/year
8.6% year-over-year change

Cutler Bay income by age

In Cutler Bay, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $96,919. Those with someone between 45 and 64 in charge, often well established professionally, earn $106,202 overall. Overall, 90.2% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
25 - 44 $96,919 5.5%
45 - 64 $106,202 11.1%
Over 65 $53,036 14.9%
Above poverty level
39,789
Below poverty level
4,301
Value Percent YoY
change
Above poverty level 39,789 90.2% 1.8%
Below poverty level 4,301 9.8% -2.9%

Average renter income in Cutler Bay

To get a better sense of what renters earn on average in Cutler Bay, their median household income was $46,419 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 51.1%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$46,419
Rent-to-income ratio
51.1%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in Cutler Bay

Workforce and job types in Cutler Bay

The job market in Cutler Bay is powered by 22,957 working residents, spread across a range of industries and roles. 81.9% of the working population are employed in professional or administrative positions, while 18.1% are in hands-on or service-based jobs. Also, 14.6% run their own businesses, 64.8% are employed by private companies, and 13.8% work in the public sector.

Workforce demographics

Working population
22,957
-1.5% year-over-year change
White collar
18,812
Blue collar
4,145
Value Percent YoY change
White collar 18,812 81.9% -1.9%
Blue collar 4,145 18.1% 0.6%
Employer type
Self employees
14.6%
Private companies
64.8%
Governmental workers
13.8%
Not for profit companies
6.8%
Value Percent YoY change
Self employees 3,352 14.6% -7.2%
Private companies 14,881 64.8% -2.0%
Governmental workers 3,158 13.8% 5.4%
Not for profit companies 1,566 6.8% 4.2%
Unemployment rate
4.8%
11.8% year-over-year change

Available workforce

The unemployment rate in Cutler Bay stands at 4.8%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Cutler Bay

How people get around in Cutler Bay

Commuting methods vary: 80% of residents travel by personal vehicle and 0.2% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Means of transportation
Value Percent YoY change
Car 17,944 80% -3.0%
Taxicab 30 0.1% N/A
Bus or trolleybus 169 0.8% -4.0%
Subway or elevated 55 0.2% N/A
Ferryboat 20 0.1% 5.3%
Bicycle 36 0.2% 12.5%
Walk 49 0.2% -54.2%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Cutler Bay by zipcode?

Zipcode Population Number of households Median income Average income
33157 70,596 21,963 $81,589 $118,091
33189 26,128 8,722 $69,420 $93,998
33190 18,287 5,617 $82,533 $103,808

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FAQs about Cutler Bay demographics 

What is the total population of Cutler Bay?

Cutler Bay has a total population of 45,070 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +1.3% compared to a year ago.

What is the gender ratio in Cutler Bay?

The gender ratio in Cutler Bay is as follows:
  • 48.4% males (21,834 residents)
  • 51.6% females (23,236 residents)

What is the median age in Cutler Bay?

The median age in Cutler Bay is 41.8.

What is the age distribution of the population in Cutler Bay?

The age distribution in Cutler Bay is as follows:
  • Under 15: 17.4% (7,863 residents)
  • Ages 15-24: 13% (5,852 residents)
  • Ages 25-44: 23.3% (10,508 residents)
  • Ages 45-64: 29.4% (13,236 residents)
  • Over 65: 16.9% (7,611 residents)

What is the racial and ethnic makeup of Cutler Bay?

The racial and ethnic makeup of Cutler Bay is as follows:
  • White: 34.9% (15,722 residents)
  • Black or African American: 9.4% (4,223 residents)
  • American Indian and Alaska Native: 0.1% (64 residents)
  • Asian: 1.6% (737 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 44.7% (20,141 residents)
  • Other: 9.3% (4,183 residents)

What percentage of the population in Cutler Bay are U.S.-born citizens?

U.S.-born citizens represent 54.6% of the population in Cutler Bay.

How many housing units are there in Cutler Bay?

There are 15,074 housing units in Cutler Bay, reflecting a -0.4% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Cutler Bay and what is the average household size?

Cutler Bay has a total of 14,469 households, with an average of 3 people in each.

What is the median household income in Cutler Bay?

Cutler Bay has a median household income of $89,244, representing a +8.6% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Cutler Bay?

The employment rate is 95.2% in Cutler Bay, with a workforce of 22,957 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 81.9% (18,812 residents)
  • Blue-collar workers: 18.1% (4,145 residents)

Places of employment:
  • Self-employed: 14.6% (3,352 residents)
  • Private companies: 64.8% (14,881 residents)
  • Governmental workers: 13.8% (3,158 residents)
  • Not-for-profit companies: 6.8% (1,566 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025