Each edition grades its towns against each other only.
The typical home is worth about $563K, 7.4 years of the Miami metro’s $77K median household income. Overall it grades C+, 228th of 634 graded towns in Florida. It also does better than most on schools: its public schools beat 72% of Florida towns on state tests and graduation. Cutler Bay’s January low is 60°F, above both the Florida town median (51°F) and the median of U.S. towns (22°F). Cutler Bay's civic life (library use, community groups, volunteering) trails 96% of U.S. towns. The biggest park or preserve is Biscayne National Park, at 585 acres.
Where Cutler Bay beats most towns.
| School | Grades | Students |
|---|---|---|
| Mater Academy Bay Elementary | K–5 | 917 |
| DR. Edward L. Whigham Elementary School | PK–5 | 731 |
| Gulfstream Elementary School | PK–5 | 544 |
40,286 counted in 2010 and 45,425 in 2020; an estimated 44,750 in 2025.
U.S. Census 2010 & 2020 counts · Census Bureau estimate, July 1, 2025
Each subject compared with towns across the country (schools within Florida), ordered by how far Cutler Bay is from typical.
How TownRatings grades towns →
Census counts: 7,005 in 1960, 45,425 in 2020. The archive holds 6 old photos and papers going back to 1992 and 6 maps from 1949 on.
Explore the history →Museums, parks, gardens and other places to visit around Cutler Bay. Close and well known come first.
Big draw27 mi Stadium & arenaHard Rock Stadium
Big draw16 mi Stadium & arenaNu Stadium
Big draw17 mi Stadium & arenaKaseya Center
12 mi National ParkEverglades National Park778K visitors a year
16 mi Stadium & arenaLoanDepot Park
2 mi National ParkBiscayne National Park487K visitors a yearHard Rock Stadium: elisfkc2, CC BY-SA 2.0 · Nu Stadium: Cuban Boy, CC0 · Kaseya Center: jjron, GFDL 1.2 · Everglades National Park: Everglades NPS from Homestead, Florida, United States, Public domain · LoanDepot Park: Roberto Coquis, CC BY 2.0 · Biscayne National Park: National Park Service, Public domain
Who provides power, water and the rest in Cutler Bay, and how to reach them.
EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Nov 17, 2025.
Ordered by what stands out in Cutler Bay.
Cutler Bay fares better on crime within Florida than nationally and has milder winter nights than nearly all U.S. towns, but it has homes that cost more against local pay than most of Florida.
At 7.4 years of the Miami metro’s $77K median household income, the typical home (about $563K) costs more against local pay than in 85% of Florida towns; that ratio is one input to that grade. Home values rose 39% in five years, to about $563K, against 19% across Florida.
The rent at the middle of the market in Cutler Bay is $1,978 a month. Zillow values the typical Cutler Bay home at about $563,000, up 0.6% in a year, 50% above the Florida typical home. A home in Cutler Bay typically sold within 74 days of listing.
| Cutler Bay | Florida towns | U.S. towns | |
|---|---|---|---|
| Median rent | $1,978 a month | $1,647 a month | $1,185 a month |
| Households that own their home | 70% | 72% | 73% |
Census ACS, 2020–24 · Zillow Home Value Index · Redfin Data Center
Its public schools are run by the Miami-Dade school district. Below: Three of its 15 schools, each with why it was picked. Public school enrollment in Cutler Bay: 3,446 students across 6 schools.
| School | Level | Students | Letter |
|---|---|---|---|
| Cutler Bay MiddleLargest public middle schoolGrades 6–8 | Grades 6–8 | 935 | C− |
| Cutler Bay Senior High SchoolLargest public high schoolGrades 9–12 | Grades 9–12 | 590 | A |
| Mater Academy Bay ElementaryTop results in townGrades K–5 | Grades K–5 | 917 | A |
NCES · EDFacts · graded within FL on state tests and graduation
The average commute for its 19,103 working residents takes 38.2 minutes, against 28 across Florida.
Half the trips to work are shorter than 15 miles. In Cutler Bay, the average commute is 38 minutes. The top destinations are Miami (21%), Kendall (7%) and Coral Gables (6%). 16% of Cutler Bay workers work remotely from home.
| Cutler Bay | Florida towns | U.S. towns | |
|---|---|---|---|
| Average trip to work | 38 minutes | 27 minutes | 25 minutes |
| Work from home | 16% | 14% | 11% |
| Median household income | $89,000 | $73,000 | $80,000 |
Census LEHD 2023 · ACS
January nights average 59.5°, milder than in 100% of U.S. towns; July afternoons average 89.9°.
Snow is almost unheard of. Cutler Bay’s typical July afternoon high comes in at 90°F.
NOAA U.S. Climate Normals, 1991–2020
In Cutler Bay, 14% of adults have been diagnosed with depression. The town does better than the Florida average on 9 of 31 CDC measures and worse on 4. Two figures for adults in the town: 28% have obesity, 14% report frequent mental distress.
| Cutler Bay | Florida towns | U.S. towns | |
|---|---|---|---|
| No health insurance, 18–64 (CDC PLACES) | 22% | 14% | 8.1% |
| Depression (CDC PLACES) | 14% | 18% | 23% |
| Obesity (CDC PLACES) | 28% | 32% | 35% |
| Frequent mental distress (CDC PLACES) | 14% | 16% | 17% |
| What stands out | Cutler Bay | FL |
|---|---|---|
| Fewer adults with COPD | 5% | 7.2% |
| Fewer adults who have had cancer | 6.4% | 9.1% |
| More uninsured adults | 22.2% | 15.9% |
CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA
98 flood insurance claims have been filed here, and 38 properties have flooded more than once.
Households in Cutler Bay have drawn federal disaster aid in 3 declared disasters, most recently in 2024. Compared with 67% of U.S. communities, expected storm and flood damage in the town is higher. The national flood insurance program has paid 98 claims in the town since 1992. Just over two fifths of the town’s expected losses from natural hazards come from inland flooding, followed by hurricanes at 42%.
FEMA disaster declarations and aid · FEMA flood insurance claims · FEMA National Risk Index · OpenFEMA
Trails total 2.3 miles in 12 parks and preserves. Cutler Bay’s trail density stands at 0.2 miles per square mile. Parks and preserves in the town: 12, covering 693 acres.
| Cutler Bay | Florida towns | U.S. towns | |
|---|---|---|---|
| Conserved land | 9.2% | 3% | 4.3% |
| Miles of trail per square mile | 0.2 miles per square mile | 0.4 | 0.4 |
| Biggest places to walk | Trails | Acres |
|---|---|---|
| 1. Cutler Ridge Park | 0.3 mi | 15 |
| 2. Saga Bay Park | 0.3 mi | 4 |
| 3. Biscayne National Park | — | 585 |
Trails & parks © OpenStreetMap contributors · Conserved land: USGS PAD-US
For residents in Cutler Bay, the share who are 65 or older is 17%. College graduates make up 34% of adults 25 and older, against 34% across Florida. In Cutler Bay, the median age is 41.8 years.
| Cutler Bay | Florida towns | U.S. towns | |
|---|---|---|---|
| Aged 65 or older | 17% | 20% | 18% |
| Under 18 | 22% | 20% | 22% |
| Bachelor’s degree or more, 25+ | 34% | 31% | 29% |
52% women, 48% men
About 94 men for every 100 women (the survey’s margin: ±1.5 points). Across Florida, 50.9% of residents are women. Median age: women 44.6, men 39.6.
| Cutler Bay | FL | U.S. | |
|---|---|---|---|
| Under 10 | 11.1% | 10.3% | 11.6% |
| 10 to 17 | 11.3% | 9.2% | 10.3% |
| 18 to 24 | 8% | 8.1% | 9.1% |
| 25 to 34 | 10.2% | 12.7% | 13.7% |
| 35 to 44 | 13.1% | 12.7% | 13.2% |
| 45 to 54 | 16.6% | 12.3% | 12.2% |
| 55 to 64 | 12.7% | 13.4% | 12.7% |
| 65 to 74 | 9.1% | 11.7% | 10.2% |
| 75 and older | 7.8% | 9.6% | 7% |
| No diploma | 12.2% | 10.1% | 10.4% |
| High school | 26.1% | 27.2% | 26% |
| Some college | 17.6% | 18.5% | 19.1% |
| Associate’s | 10.2% | 10.1% | 8.8% |
| Bachelor’s | 22.3% | 21.3% | 21.6% |
| Graduate | 11.7% | 12.9% | 14.1% |
U.S. Census Bureau · ACS 2020-2024 5-year estimates
At 19.5 crimes per 1,000 residents a year, it reports less crime than 61% of Florida’s graded towns. Reported crimes fell from 828 to 550 over the last three FBI years, a drop beyond ordinary year-to-year swings.
For Cutler Bay, the violent offense rate is 0.9 per 1,000 residents. The rate of thefts and burglaries for Cutler Bay comes to 11.1 per 1,000 residents.
| Cutler Bay | Florida towns | U.S. towns | |
|---|---|---|---|
| Violent crimes per 1,000 (2025) | 0.9 per 1,000 residents | 2.1 | 1.6 |
| Property crimes per 1,000 (2025) | 11.1 per 1,000 residents | 12.6 | 9.9 |
FBI crime data, 2025 · crimes reported to police
5 within 15 miles of the center of Cutler Bay
About 6 of every 100 Cutler Bay residents are enrolled in college, about the same as Florida.
Where Cutler Bay’s working residents go each day. Line width shows the share.
Census LEHD 2023
3 towns share a border with Cutler Bay.
| Town | FL rank | Overall | Cost | Safety | Schools | Health |
|---|---|---|---|---|---|---|
| Cutler Bay | #228 | C+ | D− | B− | B+ | B+ |
| Palmetto Bay | #79 | B | D− | C+ | B+ | A |
| South Miami Heights | #425 | C− | D | — | B+ | C+ |
| Goulds | #475 | C− | D | — | B+ | C |
South Miami Heights and Goulds report no FBI crime data of their own. Compare Cutler Bay with a neighbor →
Short answers, built from the data on this page.
Cutler Bay grades C+ overall, better than 43% of U.S. towns and #228 of 634 in Florida. It grades B+ for health, B− for safety and B+ for schools. Cost of living is its weak spot, with a D−.
Yes. Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades D−.
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