ZIP Code 33190 — Cutler Bay town, FL Demographics & Data

ZIP code 33190 covers Cutler Bay, FL in Miami-Dade County with a population of about 17,280.

At a glance, the area shows median age of 35.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 305, 645, 786; U.S. House district FL-27; the MIAMI - FT. LAUDERDALE media market.

Cutler Bay, FL sits in a university / college context (near fortis college-cutler bay (2.2 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 33190 is about $75,876 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.9%; unemployment rate near 5.1%; 30.2% of adults with a bachelor’s degree or higher (about 3.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Construction; about 11.7% of workers reporting work-from-home (about 3.5 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $371,200 — about 7% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,488 (about 28% above the U.S. median rent ($1,163)), and owner-occupancy near 51.8% (about 13.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 33190 in Cutler Bay, FL, a household would need roughly $102,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,384. That is about 34% above the local median household income ($75,876), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Cutler Bay town, FL as Very High (composite score 99.6), which is among the highest nationally. The strongest component scores on US5 are hurricane (100.0) and flood (99.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Cutler Bay town, FL show little to no average snow and around 66.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 773 for ZIP 33190 (Cutler Bay town, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.