HomeFloridaMiami-Dade CountyCutler Bay
Cutler Bay, Florida: commercial real estate data.
Cutler Bay 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 since FY2020.
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
Counted by borrower city: approvals to borrowers whose address is in Cutler Bay, in any county, FY2020 to FY2026. Only 9 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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
Counted by borrower city: approvals to borrowers whose address is in Cutler Bay, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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
- NFIP communityTown of Cutler Bay
- NFIP community number120218
- Participating in the NFIPYes
- Community Rating System classClass 3
- Currently effective map date09/11/09
The Town of Cutler Bay participates in the National Flood Insurance Program as community 120218 and carries Community Rating System class 3, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Miami-Dade County, not Cutler Bay
Miami-Dade County context, not Cutler Bay figures
- Establishments in Miami-Dade County98,394
- Covered employment, Miami-Dade County1,257,569
- Average annual pay, Miami-Dade County$77,609
- Housing units permitted, Miami-Dade County10,608
Every figure in this section is published for Miami-Dade County as a whole and is not a measurement of Cutler Bay.
All Miami-Dade County figures →
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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 totaling $24.3 m since FY2020, across 21 lenders, median approval $150,000, plus 1 504 approvals worth $310,000 since FY2010. 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 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. 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 Cutler Bay, town of, community 120218, carrying Community Rating System class 3, which is a premium discount for exceeding the program 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 labeled 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?
No. Nothing on this page presents parcel level zoning.