Cutler Bay is a medium-sized coastal town (i.e. on the ocean, a bay, or inlet) located in the state of Florida. With a population of 43,958 people and 13 associated neighborhoods, Cutler Bay is the 75th largest community in Florida.

Housing costs in Cutler Bay are among some of the highest in the nation, although real estate prices here don't compare to real estate prices in the most expensive communities in Florida.

One interesting thing about the economy is that relatively large numbers of people worked from their home: 12.68% of the workforce. While this number may seem small overall, as a fraction of the total workforce this is high compared to the rest of the county. These workers are often telecommuters who work in knowledge-based, white-collar professions. For example, Silicon Valley has large numbers of people who telecommute. Other at-home workers may be self-employed people who operate small businesses out of their homes.

Cutler Bay is also nautical, which means that parts of it are somewhat historic and touch the ocean or tidal bodies of water, such as inlets and bays. Quite often, nautical areas such as these attract visitors and locals who come to enjoy the scenery and various waterfront activities.

In Cutler Bay, however, the average commute to work is quite long. On average, people spend 38.85 minutes each day getting to work, which is significantly higher than the national average.

In terms of college education, Cutler Bay is substantially better educated than the typical community in the nation, which has 21.84% of the adults holding a bachelor's degree or graduate degree: 30.90% of adults in Cutler Bay have a college degree.

The per capita income in Cutler Bay in 2022 was $32,576, which is middle income relative to Florida and the nation. This equates to an annual income of $130,304 for a family of four. However, Cutler Bay contains both very wealthy and poor people as well.

Cutler Bay is an extremely ethnically-diverse town. The people who call Cutler Bay home describe themselves as belonging to a variety of racial and ethnic groups. People of Hispanic or Latino origin are the most prevalent group in Cutler Bay, accounting for 63.90% of the town’s residents (people of Hispanic or Latino origin can be of any race). The greatest number of Cutler Bay residents report their race to be White, followed by Black or African-American. Important ancestries of people in Cutler Bay include Irish, Italian, German, Jamaican, and English.

Cutler Bay also has a high percentage of its population that was born in another country: 42.71%.

The most common language spoken in Cutler Bay is Spanish. Other important languages spoken here include English and French.