City

Monterey, TN

1 ZIP code  ·  Putnam County  ·  Tennessee

👥8,812Population
💰$52,043Median HH Income▼ 32% below avg
🎂42.1Median Age
🏠$175,900Median Home Value▼ 37% below avg
🎓22.9%College Grads▼ 41% below avg
📊3.8%Unemployment▼ 23% below avg
People & Population (ACS 2023 — weighted avg)
♂ Male 53.0% Female 47.0% ♀

Race & Ethnicity

White: 88.6%Hispanic: 10.3%Black: 0.1%Asian: 0.1%Other: 0.8%Race
White88.6%
Hispanic10.3%
Black0.1%
Asian0.1%
Other0.8%

Age Breakdown

Under 5
5%
5–17
20%
18–24
7%
25–44
20%
45–64
27%
65+
12%

Key Indicators

Median Age42.1 yrs
Avg HH Size2.62
Below Poverty16.5% ▲ 65% above avg
College Grads22.9% ▼ 41% below avg
Unemployment3.8% ▼ 23% below avg
No HS Diploma111 (2.3%)
HS Graduate1,956 (40.7%)
Some College910 (18.9%)
Associates731 (15.2%)
Bachelors367 (7.6%)
Graduate Degree733 (15.2%)

Education

No HS: 2.3%HS Grad: 40.7%Some College: 18.9%Associates: 15.2%Bachelors: 7.6%Graduate: 15.2%Edu
No HS2.3%
HS Grad40.7%
Some College18.9%
Associates15.2%
Bachelors7.6%
Graduate15.2%
Housing & Income

Housing Tenure

Owner: 82.1%Renter: 17.9%Tenure
Owner82.1%
Renter17.9%

Home Value Distribution

Under $50k
10%
$50k–$100k
19%
$100k–$150k
15%
$150k–$200k
14%
$200k–$300k
20%
$300k–$500k
18%
Over $500k
4%

Financials

Median HH Income$52,043 ▼ 32% below avg
Median Home Value$175,900 ▼ 37% below avg
Home/Income Ratio3.4x (nat avg ~3.5x)
Median Rent$800/mo
Total Housing Units3,827
Vacant Units501

Income Distribution

Under $25k
25%
$25k–$50k
17%
$50k–$75k
24%
$75k–$100k
16%
$100k–$150k
9%
$150k–$200k
3%
Over $200k
6%
Employment & Commute

How People Get to Work

Drove Alone
93%
Public Transit
0%
Walked
3%
Work From Home
4%

Commute Time

Under 15 min
28%
15–30 min
34%
30–45 min
28%
Over 45 min
10%
Housing Stock

Year Built

Before 1940
1%
1940s–1950s
4%
1960s–1970s
14%
1980s–1990s
24%
2000+
58%
About Monterey, TN

Monterey is a city in Tennessee, located in Putnam County. The city spans 1 ZIP code and is home to approximately 8,812 residents. It is a middle-aged city, with a median age of 42.1 years.

Economically, Monterey is a working-class community. The median household income of $52,043 is below the national average. Approximately 16.5% of residents live below the poverty line. The unemployment rate is 3.8%, below the national average.

The real estate market in Monterey is an affordable housing market. Median home values stand at $175,900, which is below the national average. Renters typically pay around $800 per month. Homeownership is high at 82.1%, typical of suburban and family-oriented communities.

The population of Monterey is less-educated. 22.9% of adults hold a bachelor's degree or higher — below the national average. The community is primarily White (88.62%).

Monterey, TN offers residents a cost-conscious lifestyle within Tennessee.

ZIP Codes in Monterey
ZIPPopulationMedian IncomeMedian HomeMedian RentUnemp.CollegeOwner Occ.
38574 8,812 $52,043 $175,900 $800 3.8% 22.9% 82.1%