The Census Bureau's 2020 to 2024 estimates count about 79,562 people in Kendall, with a median household income of $87,325. Compare personal loan offers by APR and total cost, confirm every fee in dollars, and check the lender's Florida license. Your own income, debts and credit decide what you qualify for.
On this page
- The basics on Kendall
- How people in Kendall earn a living
- Kendall households and housing
- The job market around Kendall
- Monthly budget benchmarks in Kendall
- Loan lessons from the Kendall figures
- Kendall against similar places
- Kendall and its neighbors
- Kendall in brief
- A situation that comes up in Kendall
- Before you borrow in Kendall
- More nearby
- Frequently asked questions
The basics on Kendall
Figures are American Community Survey 2020 to 2024 5-year estimates for the city of Kendall, Florida, with margins of error. They describe the place, not you.
How people in Kendall earn a living
By industry, the largest groups of Kendall workers are in education and health care (26%), professional, scientific and administrative services (18%) and finance, insurance and real estate (10%). Relative to the rest of our U.S. city set, Kendall is heavier in professional, scientific and administrative services (18% against 12%). Gig and contract earners should keep a running record of deposits, because lenders usually average several months.
Break Kendall households into income groups and 18% fall below $35,000, 36% land between $35,000 and $100,000, and 46% reach $100,000 or beyond. Kendall beats the U.S. city median on $100,000 households (39%), and sits below it on households under $35,000 (20%). Whatever the averages say, your household is what gets underwritten.
Kendall households and housing
Residents of Kendall have a median age of 42.0; 48% of adults 25 and older have at least a bachelor's degree, and 7% did not finish high school. The U.S. city medians are 37.2 years and 37% with a degree, so Kendall skews older and above the middle on schooling. Age and schooling describe a place. A lender reads your own file.
Detached houses make up 40% of the homes in Kendall; buildings with five or more units account for 41% and mobile homes for 0%. Typical for our U.S. city pages: 61% detached, 22% in five-plus-unit buildings.
The job market around Kendall
Federal labor data show unemployment of 1.9% in Miami-Dade County for September 2026 (preliminary, not seasonally adjusted), down 1.0 points from 2.9% a year earlier. Averaged across 2020 to 2024, the ACS shows 3.3% for Kendall proper.
Monthly budget benchmarks in Kendall
Divide the median income of $87,325 by twelve and a Kendall household has about $7,277 a month before taxes. Rent at the median ($1,905) uses 26% of that; 30% would be $2,183. About $2,620 a month is what 36% of median gross income comes to here, a rough ceiling many lenders use for all debts combined. The price-to-income ratio for housing is roughly 6.5.
Loan lessons from the Kendall figures
A large share of Kendall workers (23%) have commutes of 45 minutes or longer, more than in most of our U.S. city set. A reliable vehicle is not optional for them, which is why auto repair loans and emergency expenses come up so often.
Kendall has a high price-to-income gap: a median home value of $567,900 against a median household income of $87,325 (a ratio of about 6.5). When prices run ahead of incomes, households often lean on credit for the costs around a home.
At 3.3%, the ACS unemployment rate in Kendall is among the lower ones in our U.S. city set. A strong local labor market does not guarantee approval, but steady income is the thing lenders want to see.
Kendall against similar places
Line Kendall up with the other 784 U.S. city places and you see a median household income of $87,325 (No. 317 of 784), a median gross rent of $1,905 (No. 161 of 784), and a median home value of $567,900 (No. 136 of 784). Treat the order as context, nothing more.
For scale, look at two Florida places of similar size: Doral ($94,164 income, $2,669 rent), where Kendall runs 7% below on income and 29% below on rent and Daytona Beach ($52,058 income, $1,328 rent), where Kendall runs 68% above on income and 43% above on rent. If your budget looks like your neighbors', the checklist questions are the same; if it does not, size the payment to your own numbers.
Kendall and its neighbors
Neighboring places within about 35 miles, nearest first, using the same 2020 to 2024 Census estimates. Rent difference is measured against Kendall.
| Place | Distance | Residents | Median income | Rent (median) | Rent vs Kendall |
|---|---|---|---|---|---|
| Sunset | 3 mi | 13,535 | $109,401 | $2,118 | +$213 |
| Richmond Heights | 3 mi | 9,992 | $67,606 | $1,801 | -$104 |
| The Crossings | 3 mi | 22,963 | $91,012 | $2,103 | +$198 |
| Pinecrest | 3 mi | 18,462 | $206,417 | $1,946 | +$41 |
| Palmetto Estates | 3 mi | 16,129 | $82,064 | $1,948 | +$43 |
| Three Lakes | 3 mi | 16,888 | $102,306 | $2,361 | +$456 |
| Glenvar Heights | 4 mi | 19,395 | $72,118 | $1,973 | +$68 |
| Westwood Lakes | 4 mi | 10,553 | $86,040 | $2,472 | +$567 |
Tally: 4 nearby places out-earn Kendall at the median and 1 rent for less.Rent runs from $1,801 in Richmond Heights to $2,472 in Westwood Lakes, and the highest median income nearby is $206,417 in Pinecrest. Lenders look at your own rent or mortgage, not the town average, but the spread shows how much local costs vary.
Kendall in brief
Kendall is an unincorporated community in Miami-Dade County southwest of downtown Miami. Hospitals, retail along the Dadeland area and commuting to jobs across the county shape household budgets.
A situation that comes up in Kendall
Shift differentials and per-diem pay can make health-care income uneven. Document a typical month before applying, and borrow against the base.
Before you borrow in Kendall
- Check your state's financial regulator for the lender's license, and use the CFPB complaint portal if something goes wrong.
- Get the same four numbers from every lender: what you receive, the APR, all fees and the total you will repay.
- Pull your credit reports for free at AnnualCreditReport.com and dispute errors before lenders look.
- Run the offer checklist before you sign.
- Try the free routes first: a credit union, a hardship plan or a nonprofit counselor may beat any loan (free options).
More nearby
- Personal loans in Doral, FL
- Personal loans in Miami Beach, FL
- Personal loans in Miami, FL
- Personal loans in Weston, FL
- Personal loans in Boca Raton, FL
- Personal loans in Wellington, FL
Frequently asked questions
Does commuting from Kendall change how much I should borrow?
It can. 23% of Kendall workers spend 45 minutes or more getting to work, and every mile adds gas and wear. Leave room for a repair bill before committing to a payment, and favor a shorter term.
Should I borrow for a medical bill in Kendall before asking about financial assistance?
No. Ask first. Nonprofit hospitals must have financial assistance policies, and a payment plan from the provider is often cheaper than a loan.
Is the fit check different for Kendall residents?
No. The check looks at what you borrow, your credit range, your income from any source and your monthly payments, and treats every applicant the same. A lender's own decision is separate, and fair-lending laws bind lenders.
What can I do if a lender treats me unfairly in Kendall?
Start with the Florida financial regulator or attorney general, then the CFPB complaint portal. If you were asked to pay a fee before getting a loan, report it at ReportFraud.ftc.gov.