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Monterey, TN
Full City Profile · Tennessee · Putnam County County
2.7
/5.0
C+
Fair
2,751
Population
908/sq mi density
$42,402
Median Income
$18,507 per capita
$130,600
Home Value
$281,635 Zillow
$688
Median Rent
30.8% income on rent
56°F
Avg Temperature
298 sunny days/yr
312
Violent Crime/100K
1,766 property/100K
C+
Overall
2.7 / 5.0
Fair overall score based on economy, affordability, safety and education
B
Economy
3.2 / 5.0
$42,402 median income, 1.2% unemployment
A+
Affordability
5.0 / 5.0
$130,600 home value, $688/mo rent
F
Safety
1.0 / 5.0
312 violent crimes/100K
D
Education
1.7 / 5.0
8.2% bachelor's degree or higher
Monterey enjoys a temperate climate with an average annual temperature of 56°F (13°C). Winters average 35°F in January while summers reach 75°F in July. The area gets 298 sunny days per year. Annual precipitation totals 64.3 inches. The area receives 16.0 inches of snow annually. Air quality is rated Good with a median AQI of 40.
Temperature
35°F Jan (2°C)
75°F Jul (24°C)
| Annual Average | 56.4°F |
| 4% above US avg | |
| January Average | 35°F (2°C) |
| July Average | 75°F (24°C) |
| Sunny Days | 298 days/yr |
Geography
| Elevation | 1,878 ft (572 m) |
| Area | 3.1 sq mi (7.9 km²) |
| Population Density | 908/sq mi |
| Coordinates | 36.1446°N, 85.2643°W |
| Timezone | America/Chicago |
| County | Putnam County County |
| Nearest Airport | Lake Cumberland Regional (SME) 72 miles away |
Precipitation & Snow
Air Quality
| AQI Median | 40.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| PM2.5 (Fine Particles) | 7.7 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 65.8 / 100 |
| Social Vulnerability | 43.0 / 100 |
| Community Resilience | 47.8 / 100 |
Hazard Breakdown
| Tornado | Relatively Moderate |
| Hurricane | Very Low |
| Earthquake | Relatively Low |
| Wildfire | Very Low |
| Flood | Relatively Low |
| Hail | Relatively Low |
| Strong Wind | Relatively Moderate |
| Heat Wave | Very Low |
| Winter Weather | Relatively Moderate |
| Lightning | Relatively High |
| Ice Storm | Relatively Moderate |
| Drought | Very Low |
| Cold Wave | Relatively Moderate |
| Landslide | Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Monthly Weather
| Month | Avg Temperature | Precipitation | Summary |
|---|---|---|---|
| January | 35°F (2°C) | 5.1 in | Coldest |
| February | 38°F (3°C) | 4.7 in | |
| March | 47°F (8°C) | 6.1 in | Wettest |
| April | 55°F (13°C) | 4.8 in | |
| May | 62°F (17°C) | 5.6 in | |
| June | 70°F (21°C) | 4.5 in | |
| July | 75°F (24°C) | 5.3 in | Warmest |
| August | 73°F (23°C) | 4.2 in | |
| September | 67°F (19°C) | 4.1 in | |
| October | 56°F (13°C) | 3.6 in | Driest |
| November | 47°F (8°C) | 5.1 in | |
| December | 39°F (4°C) | 5.7 in |
Monterey has a seasonal temperature swing of 40°F / from 35°F in January to 75°F in July. Total annual precipitation is 58.7 inches, with March being the wettest month (6.1") and October the driest (3.6").