Monterey, KY demographics:
population, income, and more

Total population
92
-2.1% year-over-year change
Median household income
$66,667/yr
0.3% year-over-year change
Housing units
61
-7.6% year-over-year change

Monterey population

How many people live in Monterey

Monterey is home to 92 residents, according to the most recent Census data. Gender-wise, 53.3% of Monterey locals are male, and 46.7% are female.

Total population
92
-2.1% year-over-year change
Gender ratio
Male
53.3%
49
Female
46.7%
43
Value Percent YoY change
Male 49 53.3% -7.5%
Female 43 46.7% 4.9%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Monterey is 45, with the population distributed as follows: about 9.8% are children under 15, then 12% are in the 15 to 24 age group. Adults between 25 and 44 make up 29.4% of the population, while another 42.4% fall into the 45 to 64 bracket. Finally, around 6.5% are 65 or older.

Median age
44.8
Age breakdown
Under 15
9.8%
15 to 24
12%
25 to 44
29.4%
45 to 64
42.4%
Over 65
6.5%
Value Percent YoY change
Under 15 9 9.8% 0.0%
15 to 24 11 12% -15.4%
25 to 44 27 29.4% 8.0%
45 to 64 39 42.4% -7.1%
Over 65 6 6.5% 20.0%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

There’s also a share of 1.1% that includes residents with two or more races.

Citizenship
U.S.-born citizens
100%
Non-U.S.-born citizens
0%
Non-citizens
0%
Value Percent YoY change
U.S.-born citizens 92 100% -2.1%
Racial breakdown
White
98.9%
Black or African American
0%
American Indian and Alaska Native
0%
Asian
0%
Native Hawaiian and other Pacific Islander
0%
Two or more races
1.1%
Other
0%
Value Percent
White 91 98.9%
Two or more races 1 1.1%

Households in Monterey

A peek inside Monterey households

Monterey has 42 households, with an average of 2 members in each. Of these, 50% are families, while the remaining 50% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
42
-10.6% year-over-year change
Average people per household
2
Non-family households
21
Family households
21
Value Percent YoY change
Non-family households 21 50% -8.7%
Family households 21 50% -12.5%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Monterey

The housing landscape of Monterey

Monterey's housing consists of 61 units, with 85.2% being detached single-family homes ideal for those wanting space. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 6.6% of the housing landscape.

Housing units
61
-7.6% year-over-year change
Housing types
Value Percent
1 unit, detached 52 85.2%
5 to 9 units 5 8.2%
Mobile home 4 6.6%
Homes built since 2020
0
% year-over-year change

The age of buildings in Monterey

In Monterey, the median construction year is 1964. About 32.8% of homes were built before the 1940s, with another 1.6% going up by 1949. Most development happened in the second half of the 20th century.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 20 32.8% 53.9%
Built between 1940 and 1949 1 1.6% -80.0%
Built between 1950 and 1959 6 9.8% 0.0%
Built between 1960 and 1969 10 16.4% -23.1%
Built between 1970 and 1979 11 18% -21.4%
Built between 1990 and 1999 2 3.3% -60.0%
Built between 2000 and 2009 6 9.8% 50.0%
Built between 2010 and 2019 5 8.2% 25.0%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Monterey occupancy rates

Out of the 42 occupied housing units in Monterey, 95.2% are owner-occupied, while 4.8% are lived in by tenants. Meanwhile, 31.1% of all homes on the local market sit vacant.

Occupied housing units
42
-10.6% year-over-year change
Occupancy breakdown
Renter occupied
2
Owner occupied
40
Value Percent YoY
change
Renter occupied 2 4.8% -60.0%
Owner occupied 40 95.2% -4.8%
Unoccupied housing units
31.1%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Education in Monterey

Monterey education at a glance

About 75.3% of the population in Monterey went to high school, while 3.7% pursued college studies. Another 3.7% earned an associate degree and 8.6% hold a bachelor’s. Meanwhile, 8.6% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
High school diploma 61 75.3% 10.9%
College diploma 3 3.7% -66.7%
Associate degree 3 3.7% -62.5%
Bachelor's degree 7 8.6% -12.5%
Graduate degree 7 8.6% 250.0%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Monterey

How much people earn in Monterey

The average annual household income in Monterey was $72,698 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a -6.7% change from the previous year. At the same time, the median income stood at $66,667, reflecting a +0.3% shift over the same period.

Average household income in Monterey
$72,698/year
-6.7% year-over-year change
Median household income in Monterey
$66,667/year
0.3% year-over-year change

Monterey income by age

In Monterey, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $93,125. Overall, 69.6% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
25 - 44 $93,125 41.0%
Over 65 $75,000 5.3%
Above poverty level
64
Below poverty level
28
Value Percent YoY
change
Above poverty level 64 69.6% -3.0%
Below poverty level 28 30.4% 3.7%

Average renter income in Monterey

To get a better sense of what renters earn on average in Monterey, their median household income was $78,750 according to 2022 Census data.

Renter median household income
$78,750
Rent-to-income ratio
0%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in Monterey

Workforce and job types in Monterey

The job market in Monterey is powered by 39 working residents, spread across a range of industries and roles. 51.3% of the working population are employed in professional or administrative positions, while 48.7% are in hands-on or service-based jobs. Also, 7.7% run their own businesses, 56.4% are employed by private companies, and 30.8% work in the public sector.

Workforce demographics

Working population
39
-15.2% year-over-year change
White collar
20
Blue collar
19
Value Percent YoY change
White collar 20 51.3% -35.5%
Blue collar 19 48.7% 26.7%
Employer type
Self employees
7.7%
Private companies
56.4%
Governmental workers
30.8%
Not for profit companies
5.1%
Value Percent YoY change
Self employees 3 7.7% N/A
Private companies 22 56.4% -18.5%
Governmental workers 12 30.8% -36.8%
Not for profit companies 2 5.1% N/A
Unemployment rate
23.5%
33.3% year-over-year change

Available workforce

The unemployment rate in Monterey stands at 23.5%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Monterey

How people get around in Monterey

Commuting methods vary: 87.2% of residents travel by personal vehicle and 12.8% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Means of transportation
Value Percent YoY change
Car 34 87.2% -22.7%
Walk 5 12.8% 150.0%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Monterey by zipcode?

Zipcode Population Number of households Median income Average income
40359 6,989 2,629 $62,542 $77,970

Explore more communities

FAQs about Monterey demographics 

What is the total population of Monterey?

Monterey has a total population of 92 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by -2.1% compared to a year ago.

What is the gender ratio in Monterey?

The gender ratio in Monterey is as follows:
  • 53.3% males (49 residents)
  • 46.7% females (43 residents)

What is the median age in Monterey?

The median age in Monterey is 44.8.

What is the age distribution of the population in Monterey?

The age distribution in Monterey is as follows:
  • Under 15: 9.8% (9 residents)
  • Ages 15-24: 12% (11 residents)
  • Ages 25-44: 29.4% (27 residents)
  • Ages 45-64: 42.4% (39 residents)
  • Over 65: 6.5% (6 residents)

What is the racial and ethnic makeup of Monterey?

The racial and ethnic makeup of Monterey is as follows:
  • White: 98.9% (91 residents)
  • Black or African American: 0% (0 residents)
  • American Indian and Alaska Native: 0% (0 residents)
  • Asian: 0% (0 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 1.1% (1 residents)
  • Other: 0% (0 residents)

What percentage of the population in Monterey are U.S.-born citizens?

U.S.-born citizens represent 100% of the population in Monterey.

How many housing units are there in Monterey?

There are 61 housing units in Monterey, reflecting a -7.6% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Monterey and what is the average household size?

Monterey has a total of 42 households, with an average of 2 people in each.

What is the median household income in Monterey?

Monterey has a median household income of $66,667, representing a +0.3% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Monterey?

The employment rate is 76.5% in Monterey, with a workforce of 39 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 51.3% (20 residents)
  • Blue-collar workers: 48.7% (19 residents)

Places of employment:
  • Self-employed: 7.7% (3 residents)
  • Private companies: 56.4% (22 residents)
  • Governmental workers: 30.8% (12 residents)
  • Not-for-profit companies: 5.1% (2 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025