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.

A relatively large number of people in Cutler Bay telecommute to their jobs. Overall, about 12.68% of the workforce works from home. While this may seem like a small number, as a fraction of the total workforce it ranks among the highest in the country. 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.

One of the nice things about Cutler Bay is that it is nautical, which means that parts of it are somewhat historic and touch the ocean or tidal bodies of water, such as inlets and bays. Because of this, visitors and locals will often go to these areas to take in the scenery or to enjoy 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.

The education level of Cutler Bay citizens is substantially higher than the typical US community, as 30.90% of adults in Cutler Bay have at least a bachelor's 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.

Foreign born people are also an important part of Cutler Bay's cultural character, accounting for 42.71% of the town’s population.

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