HomeFloridaMiami-Dade CountyCutler Bay town
Cutler Bay town, Florida: commercial real estate data.
Cutler Bay town is a Census town of 45,070 people across 9.89 square miles of land, in Miami-Dade County. Median household income is $89,244, 69.7 percent of occupied homes are owned, and the SBA record carries 61 7(a) approvals to borrowers here worth $24.3 m.
81 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Cutler Bay
What Cutler Bay is
- Census place typetown
- Land area9.89 sq mi
- Water area0.4 sq mi
- Population per square mile of land4,559
- County holding the largest share of its areaMiami-Dade County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cutler Bay
How many people live in Cutler Bay
- Population45,070
- Median age41.8
- Population under 1810,097
- Share under 1822.4 percent
- Population 65 and over7,611
- Share 65 and over16.9 percent
- Households14,469
- Family households11,177
- Share of households that are families77.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cutler Bay
Income and work in Cutler Bay
- Median household income$89,244
- Per capita income$36,834
- Civilian labor force24,104
- Employed22,957
- Unemployed1,147 plus or minus 360
- Unemployment rate4.8 percent plus or minus 1.5
- Adults 25 and over31,355
- Adults 25 and over with a high school diploma or higher87.8 percent
- Adults 25 and over with a bachelor degree or higher34.0 percent
- Adults 25 and over with a graduate degree11.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cutler Bay
Housing in Cutler Bay
- Housing units15,074
- Occupied units14,469
- Vacant units605 plus or minus 218
- Vacancy rate4.0 percent plus or minus 1.4
- Owner occupied10,089
- Renter occupied4,380
- Ownership rate69.7 percent
- Median owner-occupied home value$472,700
- Median gross rent, monthly$1,978
- Annual rent as a share of median income26.6 percent
- Single family units12,031
- Share single family79.8 percent
- Units in buildings of two or more3,009
- Share in buildings of two or more20.0 percent
- Mobile homes34 plus or minus 43
- Median year structure built1984
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cutler Bay
How Cutler Bay gets to work
- Workers 16 and over who commute18,831
- Commuting under 15 minutes2,056 plus or minus 426
- Share commuting under 15 minutes10.9 percent plus or minus 2.2
- Commuting 30 minutes or more12,777
- Share commuting 30 minutes or more67.9 percent
- Drove alone71.2 percent
- Carpooled8.8 percent plus or minus 1.8
- Public transport1.2 percent plus or minus 0.5
- Walked0.2 percent plus or minus 0.2
- Worked from home16.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cutler Bay
SBA loans in Cutler Bay (7(a))
- Approvals61
- Gross approval$24,281,500
- Average approval$398,057
- Median approval$150,000
- Ninetieth percentile approval$1,407,000
- Largest approval$2,771,000
- Jobs supported495
- Jobs per approval8.1
- Loans with a final outcome9
- Paid in full5
- Charged off4
- Median term120 months
- Share on real estate terms of 20 years or more8.2 percent
- Share to franchises3.3 percent
- Distinct lenders21
- Distinct industries by NAICS44
A charge-off rate is not published here. only 9 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cutler Bay
SBA loans in Cutler Bay (504)
- Approvals1
- Gross approval$310,000
- Average approval$310,000
- Median approval$310,000
- Largest approval$310,000
- Jobs supported10
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cutler Bay
Flood risk in Cutler Bay
- Listed NFIP communities1
- Of those, participating1
- Best Community Rating System classClass 3
- NFIP community number120218
- Currently effective map date09/11/09
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Miami-Dade County, not Cutler Bay
Miami-Dade County context, not Cutler Bay figures
These are Miami-Dade County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Cutler Bay measurements.
- Establishments in Miami-Dade County98,394
- Employment at those establishments, Miami-Dade County1,055,440
- Covered employment, Miami-Dade County1,257,569
- Average annual pay, Miami-Dade County$77,609
- Average weekly wage, Miami-Dade County$1,492
- Housing units permitted, Miami-Dade County10,608
- Of those, single family, Miami-Dade County2,231
- County product, 2024, Miami-Dade County$260,837,199,000
- County product change over the prior year, Miami-Dade County6.6 percent
- Average income of an arriving household, Miami-Dade County$175,619
Every figure in this section is published for Miami-Dade County as a whole and is not a measurement of Cutler Bay. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Cutler Bay questions, answered from the record.
How many people live in Cutler Bay, Florida?
45,070, in 14,469 households. Cutler Bay town covers 9.89 square miles of land, which is 4,559 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cutler Bay in?
Miami-Dade County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Cutler Bay?
$89,244. The median owner-occupied home is valued at $472,700. Median gross rent is $1,978 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cutler Bay businesses?
61 7(a) approvals totalling $24.3 m, across 21 lenders, median approval $150,000, plus 1 504 approvals worth $310,000. These count approvals to borrowers whose address is in Cutler Bay, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cutler Bay borrowers get paid back?
No rate is published for Cutler Bay. only 9 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Cutler Bay in the National Flood Insurance Program?
Yes. Cutler Bay appears in the FEMA Community Status Book as community 120218, carrying Community Rating System class 3, which is a premium discount for exceeding the programme minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Cutler Bay figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Miami-Dade County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Cutler Bay.
Is zoning published for Cutler Bay?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.