The city is located beside the eponymous bay; consisting of 17 neighborhoods including the port of
Bluefields Bluff, located on a peninsula of the same name. Due to gradual erosion, the peninsula is becoming a true island that closes the Bay of Bluefields on the east side. Bluefields Bluff has an extension of 1.29 km2 and it is about 8 km from Bluefields. Bluefields has several municipal headquarters and rural communities including:
Urban Level: Santa Rosa, Central, San Mateo, Pointeen, Fátima, Three Cross, Ricardo Morales, Old Bank, San Pedro, Teodoro Martínez, 19 de Julio, Pancasán, Punta Fría, New York, Beholden, Canal, Loma Fresca.
Rural Level: Cuenca Río Escondido, Cuenca Río Maíz, San Nicolás, La Fonseca,
Rama Cay, San Luís, Caño Frijol, Torsuani, Long Beach, Dalzuno, Cuenca Río Indio, Río Maíz, Guana Creek, Nueva Chontales, Neysi Ríos, La Palma, Sub-Cuenca Mahagony, Krisinbila, Sub-Cuenca Caño Negro, Río Kama,
Bluefields Bluff, Las Mercedes, Monkey Point, El Corozo, Cuenca Punta Gorda, Caño Dalzuno, Haulover, Villa Hermosa, San Ramón, Río Cama (El Cilicio), San Brown, La Virgen, San Mariano, La Pichinga, Musulaine, Caño Blanco, Aurora (San Francisco), Kukra River (Delirio), Barra Punta Gorda, Kukra River. ==Education==