Monterey, Kentucky Demographics & Population 2026

A note before these figures: with a population of 92, Monterey's ACS estimates come from a small number of survey responses and carry wide margins of error. Individual percentages below — particularly rates that round to 0% or 100% — are approximations, not precise measurements. See data.census.gov for the published margins of error.

Population Overview

Monterey is a small community located in Kentucky, within Owen County. The total population is 92. It ranks as the 524th most populous out of 552 Census-designated places in Kentucky.

Age Demographics

The median age in Monterey is 44.8 years. This is 15% higher than the state median of 39.1 years. Only 12.0% of residents are under 18, indicating fewer families with children.

Economy, Income & Housing

The median household income in Monterey is $66,667. This is 5% higher than the state median of $63,726. It is also 17% lower than the national median of $80,734. The poverty rate stands at 30.4%. This is 89% higher than the state poverty rate of 16.1%. With more than one in five residents living below the poverty line, economic hardship is a significant challenge for the community. The unemployment rate is 23.5%. This is 383% higher than the state rate of 4.9%. The median home value is $100,000. Housing costs are 51% lower than the state median of $205,600. With a home-value-to-income ratio of just 1.5x, Monterey is one of the most affordable housing markets in the area. 95.2% of occupied housing units are owner-occupied. This homeownership rate is 39% higher than the state average of 68.3%.

Race & Ethnicity

Monterey has a predominantly White (non-Hispanic) population, comprising 98.9% of all residents.

Education

19.4% of residents aged 25 and older hold a bachelor's degree or higher. This is 29% lower than the state rate of 27.6%. Nationally, 35.7% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 88.9%.

Data Sources & Methodology

All demographic data for Monterey, Kentucky is sourced from the U.S. Census Bureau's American Community Survey (ACS) 2020–2024 5-Year Estimates. The ACS collects data from approximately 3.5 million households annually and pools five years of responses so that even small communities can be measured, though the margin of error widens as the population falls. Comparisons are made against Kentucky state averages and national averages calculated from the same dataset. Rankings reflect the city's position among all 552 Census-designated places in Kentucky. Read more about how these figures are produced on our methodology page, or visit data.census.gov for official data.