Median Income
$66,458
12% lower than US avg
Home Value
$107,100
62% lower than US avg
Violent Crime
0/100K
100% lower than US avg
Bachelor's+
13.9%
59% lower than US avg
Obesity Rate
31.0%
3% lower than US avg
Unemployment
10.7%
197% higher than US avg
Poverty Rate
29.2%
135% higher than US avg
How Monterey Compares to the U.S. Average (100% = U.S. avg)
People
Population94
Median Age45.0 yrs
Density362/mi²
Male / Female56% / 44%
Largest GroupWhite 99%
Veterans82.0%
Economy
C
Median Income$66,458
Per Capita$38,610
Unemployment10.7%
Poverty29.2%
County GDP$263M
Commute31 min
Housing
A+
Home Value$107,100
Ownership89.4%
Zillow$153,099
Housing Units71
Rent Burden25.6%
Crime
C+
Violent0/100K
Property787/100K
Health
Obesity31.0%
Smoking20.7%
Heart Disease6.7%
Climate
Avg Temp57°F (14°C)
AQI41 (Good)
Rain47.3 in/yr
Sunny Days293/yr
Elevation602 ft (183 m)
Education
C
Bachelor's+13.9%
High School+88.9%
Graduate+5.3%
School Score5.32
Community
2024 VoteR 81% / D 18%
Commute31 min
Broadband47.0%
EV Stations13
Libraries2
Is Monterey a Good Place to Live?
Based on current data, Monterey receives an overall livability score of 2.9 out of 5.0, earning a grade of C+. Key strengths include low crime rates, affordable housing, abundant sunshine, high health insurance coverage. Areas to be aware of include above-average unemployment, an elevated poverty rate. Monterey has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Monterey is $66,458, 12% below the national average of $75,149. At 10.7%, unemployment is notably high. The poverty rate of 29.2% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 31 minutes.
Cost of Living & Housing
The median home value in Monterey is $107,100, 62% below the national median / offering relatively affordable homeownership. At just 1.6x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Monterey is a very safe community with a violent crime rate of 0 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 787 per 100,000, 60% below the national average.
Education
13.9% of residents hold a bachelor's degree, below the national average of 33.7%. 88.9% have completed high school. Area schools have an average test score of 5.3/10.
Climate & Weather
Monterey enjoys a moderate climate with an average annual temperature of 57°F. Winters average 34°F in January while summers reach 77°F in July. With 293 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 47.3 inches. Air quality is rated Good with a median AQI of 41.
Monterey has a population of 94 with a density of 362 people per square mile, spread across 0.3 square miles. The median age is 45.0 years, 16% older than the national median of 38.9. The gender split is 43.6% female and 56.4% male. The city is predominantly White (98.9%), with 1.1% Hispanic. English is the primary language spoken at home by 100% of residents. 82.0% of the population are veterans, above the national rate of 6.0%. 14.6% of residents have a disability. 100.0% have health insurance coverage.
Population
45.0yrs
Median Age
16% above US avg
Language Spoken at Home
English Only
100.0%
27% above US avg
Spanish
0.0%
100% below US avg
The median household income in Monterey is $66,458, which is 12% below the national average of $75,149. Per capita income is $38,610. The average weekly wage is $966, 33% lower than the U.S. average. The unemployment rate is 10.7% (above the 3.6% US average). 29.2% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 182 business establishments, including 12 restaurants. The cost of living index is 90.2, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 31 minutes. 0.0% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $66,458 |
| 12% below US avg |
| Per Capita Income | $38,610 |
| Avg Weekly Wage | $966 |
| IRS Avg AGI | $57,664 |
| Gini Index | 0.442 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 10.7% |
| 197% above US avg |
| Poverty Rate | 29.2% |
| 135% above US avg |
| Establishments (County) | 182 |
| County GDP | $263M |
Business (County)
| Restaurants | 12 |
| Healthcare | 12 |
| Retail | 25 |
| Manufacturing | 3 |
Tax & Cost of Living
| Property Tax (IRS) | $2,410 |
| 31% below US avg |
| Cost of Living | 90.20 (100=avg) |
| Effective Tax Rate | 2.25% |
Commute & Transportation
| Commute Time | 30.5 min |
| Drive Alone | 87.0% |
| Public Transit | 0.0% |
| Work from Home | 0.0% |
The median home value in Monterey is $107,100, 62% below the national median of $281,900. Zillow estimates the typical home value at $153,099, higher than the Census estimate. Fair market rent ranges from $794 for a one-bedroom to $984 for a two-bedroom apartment. 89.4% of housing units are owner-occupied (above the 65.4% national rate). There are 71 total housing units in the city. The median year a home was built is 1969. The average annual property tax is $2,410 (lower than the $3,500 national average). 25.6% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.6x, well within the affordable range.
Home Values
| Census Median | $107,100 |
| 62% below US avg |
| Zillow ZHVI | $153,099 |
Real Estate Market (Redfin)
Rental Costs
HUD Fair Market Rent
| Studio | $719 |
| 1 Bedroom | $794 |
| 2 Bedrooms | $984 |
| 3 Bedrooms | $1,277 |
| 4 Bedrooms | $1,442 |
Ownership & Property
| Homeownership | 89.4% |
| Owner-Occupied | 89.4% |
| Renter-Occupied | 10.6% |
| Housing Units | 71 |
| Median Year Built | 1969 |
Property Tax
| Avg Tax (IRS) | $2,410 |
| 31% below US avg |
| Effective Rate | 2.25% |
In Monterey, 31.0% of adults are obese, below the national rate of 32.1%. 10.6% have diabetes. Heart disease affects 6.7% of residents, above the national average. 34.8% have high blood pressure. 20.7% are current smokers (above the 14.0% national rate). 18.5% report binge drinking. 29.9% are physically inactive, above the national average. 14.3% experience frequent mental distress. The primary care physician ratio is 1:2,823. The dentist ratio is 1:2,258. 23.4% of residents have access to exercise opportunities. The food environment index is 7.9 out of 10.
Health Metrics: Monterey vs U.S. Average (%)
Chronic Conditions
| Obesity | 31.0% |
| 3% below US avg |
| Diabetes | 10.6% |
| Heart Disease | 6.7% |
| High Blood Pressure | 34.8% |
| Asthma | 10.2% |
| COPD | 8.4% |
| Cancer | 6.4% |
| Kidney Disease | 3.0% |
| Stroke | 3.2% |
Behaviors & Mental Health
| Smoking | 20.7% |
| 48% above US avg |
| Binge Drinking | 18.5% |
| Physical Inactivity | 29.9% |
| Mental Distress | 14.3% |
| Physical Distress | 13.7% |
| Short Sleep | 39.2% |
Healthcare Access
| Insurance Rate | 100.0% |
| |
| Primary Care | 1:2,823 |
| Dentists | 1:2,258 |
| Mental Health | 1:1,885 |
| Checkup Rate | 71.9% |
| Dental Visits | 65.4% |
| Premature Death | 12,546/100K |
Food & Exercise
| Food Environment | 7.9/10 |
| Exercise Access | 23.4% |
| Healthcare Facilities | 12 |
Monterey has a violent crime rate of 0 per 100,000 residents, 100% below the national average of 380. Property crime stands at 787 per 100,000, 60% below the U.S. average. The county recorded 1 fatal traffic crashes. Overall, Monterey receives a safety grade of C+.
Crime Rates: Monterey vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 0.0/100K |
| 100% below US avg |
| |
Property Crime
| Total Property | 787.4/100K |
| 60% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 1 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | C+ |
| Safety Score | 2.5 / 5.0 |
Monterey enjoys a temperate climate with an average annual temperature of 57°F (14°C). Winters average 34°F in January while summers reach 77°F in July. The area gets 293 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 47.3 inches (wetter than the 38-inch national average). Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 602 feet.
Temperature
34°F Jan (1°C)
77°F Jul (25°C)
| Annual Average | 56.5°F |
| 5% above US avg |
| January Average | 34°F (1°C) |
| July Average | 77°F (25°C) |
| Sunny Days | 293 days/yr |
Geography
| Elevation | 602 ft (183 m) |
| Area | 0.3 sq mi (0.7 km²) |
| Population Density | 362/sq mi |
| Coordinates | 38.4248°N, 84.8714°W |
| Timezone | America/New_York |
| County | Owen County County |
| Nearest Airport | Cincinnati/Northern Kentucky International (CVG)
44 miles away |
Precipitation & Snow
Annual Rainfall
47.3"
25% above US avg
Wettest Month (May)
4.72"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 15.2 / 100 |
| Social Vulnerability | 35.9 / 100 |
| Community Resilience | 39.9 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Very Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
Very Low |
| Cold Wave |
Very Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
18 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.9. Most recent: M2.8 on May 11, 2025.
| Jan 24, 1990 |
6 km WNW of Alton, Indiana |
M3.9 |
145 km |
| Jan 27, 1990 |
6 km N of Alton, Indiana |
M3.8 |
139 km |
| Sep 12, 2004 |
4 km NW of Manilla, Indiana |
M3.8 |
148 km |
| Feb 19, 1995 |
8 km SSE of Rocky Fork Point, Ohio |
M3.6 |
144 km |
| Sep 8, 1990 |
5 km N of Owingsville, Kentucky |
M3.3 |
100 km |
| Aug 20, 2015 |
6 km SE of Lawrenceburg, Kentucky |
M2.8 |
48 km |
| Mar 17, 1999 |
2 km NNE of Ripley, Ohio |
M2.8 |
98 km |
| May 11, 2025 |
11 km SE of High Bridge, Kentucky |
M2.8 |
77 km |
| Mar 21, 1990 |
1 km W of Spring Mill, Kentucky |
M2.7 |
75 km |
| Mar 9, 1990 |
8 km ENE of New Amsterdam, Indiana |
M2.7 |
119 km |
| Jan 12, 2023 |
4 km E of Burgin, Kentucky |
M2.6 |
76 km |
| Aug 4, 2023 |
11 km ENE of Lancaster, Kentucky |
M2.6 |
91 km |
| May 11, 2015 |
5 km ESE of Maysville, Kentucky |
M2.6 |
106 km |
| Jul 23, 2013 |
6 km NNE of Germantown, Kentucky |
M2.6 |
86 km |
| Jan 29, 1990 |
11 km S of Paoli, Indiana |
M2.6 |
138 km |
| Jan 21, 2018 |
8 km SSE of High Bridge, Kentucky |
M2.6 |
76 km |
| Jan 28, 2024 |
3 km SW of Old Washington, Kentucky |
M2.5 |
92 km |
| Jan 4, 1999 |
9 km WNW of Mount Sterling, Kentucky |
M2.5 |
82 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
441 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 63 fatalities, 2,171 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 3, 1974 |
EF5 |
61 km |
3 |
| Mar 2, 2012 |
EF4 |
46 km |
4 |
| Apr 9, 1999 |
EF4 |
100 km |
4 |
| May 28, 1996 |
EF4 |
83 km |
0 |
| Nov 22, 1992 |
EF4 |
26 km |
1 |
| Jun 2, 1990 |
EF4 |
89 km |
0 |
| Apr 3, 1974 |
EF4 |
52 km |
0 |
| Apr 3, 1974 |
EF4 |
78 km |
11 |
| Apr 3, 1974 |
EF4 |
91 km |
2 |
| Apr 3, 1974 |
EF4 |
45 km |
4 |
| Apr 3, 1974 |
EF4 |
81 km |
3 |
| Apr 3, 1974 |
EF4 |
85 km |
7 |
| Apr 23, 1968 |
EF4 |
91 km |
1 |
| Apr 23, 1968 |
EF4 |
51 km |
6 |
| Mar 2, 2012 |
EF3 |
64 km |
3 |
| Mar 2, 2012 |
EF3 |
85 km |
3 |
| Feb 28, 2011 |
EF3 |
26 km |
0 |
| May 8, 2009 |
EF3 |
93 km |
2 |
| Oct 18, 2007 |
EF3 |
59 km |
0 |
| May 27, 2004 |
EF3 |
49 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: JPG 09 1 (6,113 ac, 1998).
| Year |
Name |
Acres |
Distance |
| 1998 |
JPG 09 1 |
6,113 |
70 km |
| 2005 |
RX BURNPLAN AREA 2-06 |
5,054 |
68 km |
| 2007 |
UNITS 8-9 2008 |
4,316 |
69 km |
| 2006 |
UNIT 19 06 WUI |
3,412 |
68 km |
| 2003 |
WUI 3 03 |
3,372 |
78 km |
| 2010 |
WUI UNIT 28K |
3,230 |
80 km |
| 1999 |
UNNAMED |
3,122 |
79 km |
| 2002 |
UNIT 8 |
2,753 |
69 km |
| 2005 |
UNIT 3 05 |
2,511 |
78 km |
| 2001 |
01 UNIT 16 |
2,361 |
67 km |
| 2011 |
WUI UNITS 0 AND 1 2011 |
2,215 |
69 km |
| 2004 |
UNIT 19 |
2,004 |
69 km |
| 2003 |
UNIT 8 03 |
1,971 |
71 km |
| 2008 |
FY 09 UNIT 42 RX FALL 2008 |
1,942 |
74 km |
| 2000 |
JPG 14 |
1,908 |
68 km |
| 2003 |
UNIT 16 03 |
1,809 |
67 km |
| 2002 |
UNIT 9 |
1,485 |
68 km |
| 1995 |
UNNAMED |
1,462 |
73 km |
| 2010 |
TRACER |
1,408 |
80 km |
| 2007 |
UNNAMED |
1,334 |
69 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
34°F (1°C) |
3.1 in |
Coldest |
| February |
35°F (2°C) |
3.1 in |
|
| March |
44°F (7°C) |
4.3 in |
|
| April |
54°F (12°C) |
4.1 in |
|
| May |
63°F (17°C) |
4.7 in |
Wettest |
| June |
71°F (22°C) |
4.4 in |
|
| July |
77°F (25°C) |
4.2 in |
Warmest |
| August |
74°F (23°C) |
3.8 in |
|
| September |
67°F (20°C) |
3.2 in |
|
| October |
56°F (13°C) |
2.9 in |
Driest |
| November |
46°F (8°C) |
3.5 in |
|
| December |
36°F (2°C) |
3.8 in |
|
Monterey has a seasonal temperature swing of 43°F / from 34°F in January to 77°F in July. Total annual precipitation is 45.0 inches, with May being the wettest month (4.7") and October the driest (2.9").
Average costs for common services in Monterey. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$226 ($135–$361) |
| Specialist Visit |
$316 ($180–$496) |
| Urgent Care Visit |
$180 ($90–$316) |
| Emergency Room Visit |
$1,984 ($722–$4,510) |
| Dental Cleaning |
$117 ($68–$180) |
| Dental Filling |
$226 ($135–$361) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23–$68) |
| Oil Change (Synthetic) |
$68 ($45–$108) |
| Brake Pad Replacement |
$271 ($135–$451) |
| Tire Rotation |
$36 ($18–$68) |
| New Tires (Set of 4) |
$541 ($361–$902) |
| Battery Replacement |
$180 ($90–$316) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$90 ($54–$135) |
| Electrician (Per Hour) |
$81 ($45–$126) |
| HVAC Repair |
$361 ($135–$722) |
| HVAC System Install |
$6,314 ($3,608–$10,824) |
| Roof Repair |
$902 ($361–$1,804) |
| Roof Replacement |
$8,118 ($4,961–$13,530) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,353 ($451–$3,157) |
| Divorce (Contested) |
$13,530 ($4,510–$27,060) |
| DUI Defense |
$4,510 ($1,804–$9,020) |
| Bankruptcy (Chapter 7) |
$1,353 ($722–$2,706) |
| Will Preparation |
$451 ($180–$902) |
| Trust Preparation |
$2,255 ($902–$4,510) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$41) |
| Women's Haircut |
$50 ($27–$90) |
| Hair Coloring (Full) |
$135 ($68–$226) |
| Manicure |
$23 ($14–$41) |
| Pedicure |
$36 ($23–$59) |
| Massage (1 Hour) |
$72 ($45–$117) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.70 ($2.71–$4.96) |
| Dozen Eggs (per dozen) |
$3.16 ($2.26–$4.51) |
| Loaf of Bread |
$3.43 ($2.26–$4.96) |
| Chicken Breast (per lb) |
$4.06 ($2.71–$5.86) |
| Ground Beef (per lb) |
$4.96 ($3.61–$6.77) |
| Rice (per lb) |
$0.90 ($0.54–$1.62) |
View all 20 services
Utilities
| Electricity (Monthly) |
$126 ($72–$226) |
| Natural Gas (Monthly) |
$63 ($27–$135) |
| Water/Sewer (Monthly) |
$63 ($36–$108) |
| Internet (Monthly) |
$63 ($36–$90) |
| Cell Phone Plan (Monthly) |
$59 ($27–$90) |
| Cable TV (Monthly) |
$77 ($45–$135) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$180 ($68–$451) |
| Car Insurance (Annual) |
$1,804 ($1,082–$3,157) |
| Bus Pass (Monthly) |
$63 ($27–$117) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.22–$23) |
| Car Registration (Annual) |
$90 ($27–$226) |
| Driver's License Renewal |
$27 ($14–$68) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,082 ($541–$2,255) |
| Daycare (Toddler, Monthly) |
$902 ($451–$1,804) |
| After-School Care (Monthly) |
$361 ($180–$631) |
| Tutoring (Per Hour) |
$45 ($23–$90) |
| SAT/ACT Prep Course |
$902 ($361–$2,255) |
| Private School (K-12, Annual) |
$11,275 ($4,510–$27,060) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$54 ($27–$90) |
| Dog Vaccination (Annual) |
$90 ($45–$180) |
| Dog Grooming |
$54 ($27–$90) |
| Pet Boarding (Per Night) |
$36 ($18–$68) |
| Dog Spay/Neuter |
$271 ($135–$451) |
| Cat Spay/Neuter |
$180 ($90–$361) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $962 |
| Toddler | $818 |
| Preschool | $818 |
| Family Childcare (monthly) |
| Infant | $807 |
| Toddler | $758 |
| Preschool | $758 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Monterey
What is the population of Monterey?
Monterey has a population of 94 residents and is located in Kentucky. The population density is 362 people per square mile, spread across 0.3 square miles. The median age of residents is 45.0 years, which is older than the national median of 38.9 years. The population is 43.6% female and 56.4% male.
Is Monterey expensive to live in?
Monterey is more affordable than the national average, with a cost of living index of 90.2 / below the baseline of 100. The median household income is $66,458, 12% below the national average of $75,149. The median home value is $107,100 (62% below the U.S. median). The home price-to-income ratio is 1.6x, indicating housing is reasonably affordable relative to local income levels.
Is Monterey safe?
Monterey is considered a very safe city with a violent crime rate of 0 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 787 per 100,000 (below the national average). Overall, Monterey receives a safety grade of C+ based on combined crime data.
What is the weather like in Monterey?
Monterey enjoys a temperate climate with an average annual temperature of 57°F (14°C). Winter temperatures average 34°F in January, while summers reach an average of 77°F in July. The area receives 293 sunny days per year, well above the national average of 205. Annual rainfall totals 47.3 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Monterey?
The job market in Monterey faces challenges, with unemployment at 10.7% / significantly above the national rate of 3.6%. The average weekly wage is $966. There are 182 business establishments in the area, including 12 restaurants and food service locations. The average commute time is 31 minutes, and 0.0% of workers work from home.
How much does housing cost in Monterey?
The median home value in Monterey is $107,100. Zillow estimates the typical home value at $153,099. The homeownership rate is 89.4%. The average annual property tax is $2,410.
How are the schools in Monterey?
Schools in Monterey score 5.3 out of 10 on standardized testing, near the national average. 13.9% of adults in Monterey hold a bachelor's degree or higher, below the national average of 33.7%. 88.9% have completed high school. 5.3% hold a graduate or professional degree.
How healthy is Monterey?
The obesity rate in Monterey is 31.0% (below the national rate of 32.1%). 20.7% of adults are smokers. 29.9% are physically inactive. 23.4% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,823.
What is transportation like in Monterey?
The average commute in Monterey is 31 minutes, longer than the national average of 28 minutes. 87% of workers drive alone to work, and 0.0% work from home.
What are the demographics of Monterey?
The racial and ethnic makeup of Monterey is 98.9% White, 1.1% Hispanic or Latino. 100% of residents speak only English at home. 82.0% of the population are military veterans. 14.6% of residents have a disability. 100.0% have health insurance coverage.
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