Kentucky
Monterey is a small town in Kentucky with a population of 94. Residents earn $66,458 per year, which is 12% below the national average.
Based on current data, Monterey receives an overall livability score of 3.0 out of 5.0, earning a grade of B. Key strengths include affordable housing, high health insurance coverage. Areas to be aware of include above-average unemployment, an elevated poverty rate. Monterey offers a solid quality of life with a good balance of affordability, safety, and opportunity.
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.
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.
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 5.5/10.
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. Annual precipitation totals 47.3 inches. Air quality is rated Good with a median AQI of 41.
| English Only | 100.0% |
| 27% above US avg | |
| Spanish | 0.0% |
| 100% below US avg |
| Median HH Income | $66,458 |
| 12% below US avg | |
| Per Capita Income | $38,610 |
| Avg Weekly Wage | $966 |
| IRS Avg AGI | $57,664 |
| Unemployment | 10.7% |
| 197% above US avg | |
| Poverty Rate | 29.2% |
| 135% above US avg | |
| Establishments (County) | 182 |
| County GDP | $263M |
| Restaurants | 12 |
| Healthcare | 12 |
| Retail | 25 |
| Manufacturing | 3 |
| Property Tax (IRS) | $2,410 |
| 31% below US avg | |
| Effective Tax Rate | 2.25% |
| Commute Time | 30.5 min |
| Work from Home | 0.0% |
| Census Median | $107,100 |
| 62% below US avg |
| Studio | $719 |
| 1 Bedroom | $794 |
| 2 Bedrooms | $984 |
| 3 Bedrooms | $1,277 |
| 4 Bedrooms | $1,442 |
| Owner-Occupied | 89.4% |
| Avg Tax (IRS) | $2,410 |
| 31% below US avg | |
| Effective Rate | 2.25% |
| Insurance Rate | 100.0% |
| Premature Death | 12,546/100K |
| Food Environment | 7.9/10 |
| Exercise Access | 23.4% |
| Healthcare Facilities | 12 |
| Fatal Crashes (County/yr) | 1 |
| Annual Average | 56.5°F |
| 5% above US avg | |
| January Average | 34°F (1°C) |
| July Average | 77°F (25°C) |
| Annual Rainfall | 47.3 inches |
| 25% above US avg |
| AQI Median | 41.0 |
| Rating | Good |
| 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 |
| County FIPS | 21187 |
Winner: Republican by 62.7 points
| Bachelor's Degree+ | 13.9% |
| 59% below US avg | |
| High School+ | 88.9% |
| School Test Score | 5.50 |
| RUCC Code 8 | Nonmetro — Rural, adjacent |
| Population Density | 362/sq mi |
| Total Area | 0.3 sq mi |
| Broadband Access | 52.0% |
| Public Libraries | 2 |
| Healthcare Facilities | 12 |
| Restaurants | 12 |
| Retail Stores | 25 |
| Fatal Crashes (County/yr) | 1 |
| Avg Commute | 30.5 min |
| Work from Home | 0.0% |