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Monterey, IN
Full City Profile · Indiana · Starke County County
2.8
/5.0
C+
Fair
270
Population
1,500/sq mi density
$36,866
Median Income
$28,850 per capita
$89,300
Home Value
$157,834 Zillow
$579
Median Rent
17.8% income on rent
50°F
Avg Temperature
275 sunny days/yr
140
Violent Crime/100K
2,132 property/100K
C+
Overall
2.8 / 5.0
Fair overall score based on economy, affordability, safety and education
B+
Economy
3.7 / 5.0
$36,866 median income, 0.0% unemployment
A+
Affordability
5.0 / 5.0
$89,300 home value, $579/mo rent
F
Safety
1.0 / 5.0
140 violent crimes/100K
D
Education
1.7 / 5.0
8.2% bachelor's degree or higher
Monterey experiences four distinct seasons with an average annual temperature of 50°F (10°C). Winters average 24°F in January while summers reach 73°F in July. The area gets 275 sunny days per year. Annual precipitation totals 40.3 inches. The area receives 54.9 inches of snow annually. Air quality is rated Good with a median AQI of 41.
Temperature
24°F Jan (-4°C)
73°F Jul (23°C)
| Annual Average | 50.0°F |
| 7% below US avg | |
| January Average | 24°F (-4°C) |
| July Average | 73°F (23°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 725 ft (221 m) |
| Area | 0.2 sq mi (0.5 km²) |
| Population Density | 1,500/sq mi |
| Coordinates | 41.1562°N, 86.4821°W |
| Timezone | America/Indiana/Indianapolis |
| County | Starke County County |
| Nearest Airport | Porter County Regional (VPZ) 34 miles away |
Precipitation & Snow
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 24.9 / 100 |
| Social Vulnerability | 41.3 / 100 |
| Community Resilience | 73.5 / 100 |
Hazard Breakdown
| Tornado | Relatively Low |
| Hurricane | Very Low |
| Earthquake | Very Low |
| Wildfire | Very Low |
| Flood | Very Low |
| Hail | Very Low |
| Strong Wind | Relatively Moderate |
| Heat Wave | Very Low |
| Winter Weather | Relatively Low |
| Lightning | Relatively Low |
| Ice Storm | Very Low |
| Drought | No Rating |
| Cold Wave | Relatively Moderate |
| Landslide | Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Tsunami History
1 tsunami recorded within 500 km. Highest wave on record: 3.0 m (10 ft).
| Year | Location | Cause | Max Wave | Deaths | Distance |
| 1954 | MICHIGAN CITY, IN (LAKE MICHIGAN) | Avalanche | 3.0 m | 7 | 69 km |
Source: NOAA/NCEI Historical Tsunami Database. Sorted by wave height.
Monthly Weather
| Month | Avg Temperature | Precipitation | Summary |
|---|---|---|---|
| January | 24°F (-4°C) | 1.9 in | Coldest |
| February | 27°F (-3°C) | 1.7 in | Driest |
| March | 38°F (3°C) | 2.8 in | |
| April | 49°F (10°C) | 3.8 in | |
| May | 61°F (16°C) | 3.9 in | |
| June | 70°F (21°C) | 4.1 in | Wettest |
| July | 73°F (23°C) | 3.9 in | Warmest |
| August | 71°F (22°C) | 3.6 in | |
| September | 64°F (18°C) | 3.5 in | |
| October | 53°F (11°C) | 3.0 in | |
| November | 40°F (5°C) | 3.2 in | |
| December | 29°F (-2°C) | 2.7 in |
Monterey has a seasonal temperature swing of 49°F / from 24°F in January to 73°F in July. Total annual precipitation is 38.1 inches, with June being the wettest month (4.1") and February the driest (1.7").