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Place dossier plate
SheetTN-MONTEREY-TN · Monterey, TN 2,751 pop · income 10th pct
Instrument codes from this place’s ACS population and household income, BEA state COL, FBI safety, national income percentile, photo-finish peer city, home-value band, and matched Census-tract book - not a moving recommendation.
Income neighbourhood around Monterey
Lowest/highest poles plus peers nearest Monterey on median household income. Full ladder: /browse and /rankings.
median HH income
Galena · lowest
39,968
Galena · lowest
39,968 median HH income
42.6% of the leader · rank #1
Monterey · this city
42,402
Monterey · this city
42,402 median HH income
45.2% of the leader · rank #2
Ridgway · near
42,404
Ridgway · near
42,404 median HH income
45.2% of the leader · rank #3
Aurora · near
42,406
Aurora · near
42,406 median HH income
45.2% of the leader · rank #4
Jasper · near
42,407
Jasper · near
42,407 median HH income
45.2% of the leader · rank #5
Cushman · near
42,411
Cushman · near
42,411 median HH income
45.2% of the leader · rank #6
Cecil-Bishop · highest
93,750
Cecil-Bishop · highest
93,750 median HH income
100.0% of the leader · rank #7
What this shows Neighbourhood peers only - not a full nationwide city board. Open a near peer when the gap is small; open the poles when the spread is wide.
Compare beyond this state
Nationwide peers by population, income, and FBI crime rate
Out-of-state nearest neighbors for Monterey on ACS population and median household income
, plus FBI UCR reporting rate when the extract covers this place. Link sets are deduped so each column is a distinct comparison path, not a forecast that peers share a labor market or climate.
Similar population
Nearest out-of-state cities by ACS population. This city: 2,751.
Agency-reported UCR totals per 100,000 population, not a neighborhood safety grade or a prediction of personal risk.
Monterey - the verdict
Nationally, Monterey sits in the 10th percentile for household income and the 41st percentile for safety among US cities with a population of 1,000 or more. Source: Census ACS + FBI UCR.
10th
percentile, household income
21st
percentile, home value
34th
percentile, median rent
41st
percentile, safety
📝 How we sourced this
Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.
Data Snapshot: Monterey, TN
Tennessee's Monterey is a small town, with 2,751 residents per the latest Census Bureau ACS figures. Median household income here is $42,402 per year, in the lower quartile of U.S. cities for household income, with a poverty rate of 17.5%. Monterey's housing stock carries a median value of $130,600, and the median resident age is 27.1 years. About 8.2% of adults hold a bachelor's degree or higher, while 57.2% of working-age residents are in the labor force.
The Census Building Permit Survey recorded 0 residential units authorized here in 2024 (No Permits), down 100% from five years earlier. Monterey reports a comparatively low crime rate: FBI UCR reporting places total crime at 1675.8 incidents per 100,000 residents, below the national average (voluntary agency reporting, reflects reporting activity, not a definitive danger score). The annual average temperature per NOAA climate normals runs 56.4°F with 64.3 inches of precipitation per year and 16.0 inches of snowfall.
Living costs in Tennessee run below the national norm: the state registers 91.9 on a 100-equals-national-average index (Well Below Average) per BEA Regional Price Parities 2024. Statewide, HUD pegs Fair Market Rent for a two-bedroom unit at $1,118 monthly. Statewide, average monthly utility bills in Tennessee run around $218, per EIA 2023 residential energy data. Natural-hazard exposure scores 52.5 out of 100 on FEMA's National Risk Index (Low).
A decision-led reading path
Useful questions to ask of Monterey's data
How this reading path is ordered
This is not a composite city score. It is a city-specific route through the available public records, ordered for this profile so the page starts with questions the joined data can actually answer. The route here runs from schools and households to population change to work and mobility to climate and hazard context to reported crime to housing and income to comparison shortlist; another city can have a different sequence or fewer supported layers because the source joins are not uniform.
For Monterey, city-specific coverage includes commute-mode shares, annual population history, local building permits, matched public-school count, FBI reported-crime rates.
No matched row is reported here for within-city Census tract profiles; the page leaves those layers out instead of substituting a statewide or national value.
Question 1
What does the education layer cover for Monterey?
The NCES join finds 2 public schools within the city match. 8.2% of adults age 25+ hold a bachelor's degree or higher in the ACS estimate. These measures answer different questions: the school count describes local institutions, while adult attainment describes residents and cannot be used as a school-quality rating.
The matched institution count is small, so district boundaries and schools outside the city line may matter more than the municipal count suggests. Use the number as a coverage cue, then verify attendance zones with the district before making a household decision.
Is Monterey growing, shrinking, or holding steady?
Recent estimates point upward. Growth can increase housing demand and service needs, but the permit record must move in the same direction before calling it a supply response; the two series measure different things.
Census PEP estimates show the population grew by +79 residents from 2020 to 2025, a +2.9% change. Separately, Census BPS recorded 0 housing units authorized in 2024. PEP and ACS are different Census series, so the trend is kept separate from the headline ACS population.
What does the journey to work look like in Monterey?
Mode share answers how workers usually travel; it does not measure congestion, reliability, distance to a particular job, or the quality of transit service. No single mode completely explains the work trip here. The mix is more useful than a one-number commute grade, especially when comparing places where transit, walking, and remote work divide the non-driving share differently.
Driving alone is the largest reported mode at 82.5%. A reliable mean commute time is not available for this row, so the mode shares carry the comparison.
Which cities make useful reference points for Monterey?
Within Tennessee, the closest population matches are Woodbury (2,747 residents, $51,506 income); Westmoreland (2,735 residents, $58,750 income); Sale Creek (2,775 residents, $60,109 income). Outside the state, the closest population matches in this dataset are Pine Ridge, PA (2,751 residents); Van, TX (2,751 residents); McLeansboro, IL (2,750 residents). A third, income-matched reference set of 6 out-of-state cities sits in the income neighbourhood chart near the Place Dossier plate. These are mechanical peer sets, not claims that the places share a labor market, climate, culture, or metro context.
Use the in-state set to hold state policy and broad price conditions more nearly constant. Use the nationwide size set to ask whether cities with a similar resident count produce different housing, income, or commute outcomes. The income set is a third lens, deliberately separate from population matching. The nationwide peer panel below adds a fourth FBI UCR reporting-rate lens, not personal risk.
These joined records add useful context, but they do not need another full-size panel. Each remains a separate measure with its own geography and source boundary.
Climate and hazard context
What physical conditions frame life in Monterey?
NOAA normals put the annual mean temperature at 56.4°F, with 64.3 inches of precipitation and 16.0 inches of annual snowfall. FEMA's state-averaged National Risk Index score for Tennessee is 52.5 out of 100. Climate normals describe long-run weather; the FEMA score on PlainCities is a state average of county NRI inputs and combines hazards, exposure, vulnerability, and resilience.
The two sources should not be blended into one comfort or safety score. Use the climate values for baseline conditions and the risk index as a prompt to inspect specific hazards, insurance, and local emergency guidance for a particular address.
Mean temperature
56.4°F
Annual precipitation
64.3 in
FEMA risk index (state avg)
52.5
NOAA Climate Normals and FEMA National Risk Index (state-averaged on PlainCities). Hazard context is not address-level.
What can the FBI record say about safety in Monterey?
Treat this as a reporting-rate comparison, not a prediction of personal risk or a neighborhood-level safety grade. Tourism, daytime population, reporting practices, and variation inside the city are not adjusted away. The state rank and same-state peer table are the narrower comparisons available on this page.
The joined FBI UCR record reports 1675.8 violent and property crimes per 100,000 residents, below the 2280.5 national reference used here. The difference is 27% lower in arithmetic terms, but agency participation is voluntary and reporting completeness varies.
Property rate
1311.5
Violent rate
364.3
Total reported rate
1675.8
FBI Uniform Crime Reporting, incidents per 100,000. Voluntary agency reporting; not a danger score.
How far does income reach against housing in Monterey?
The home-value-to-income reference sits in a middle range: the ACS median home value is 3.1 times median household income. The ACS poverty estimate is 17.5%, which keeps the citywide median from describing every household.
This is a citywide price-to-income reference, not a mortgage-affordability test; it does not include interest rates, taxes, insurance, household size, or an individual buyer's down payment. Income and home value move within the same broad scale here. The useful next check is not a generic affordability label, but whether similar-size cities offer a materially different income, housing, or commute trade-off.
Household income
$42,402
Home value
$130,600
Value / income
3.1×
City-level Census ACS 2023 medians. The ratio divides two separate medians and is descriptive only.
Comparative score against U.S. cities with population of 1,000 or more on Census ACS medians
(income, poverty, bachelor's share, cost of living) and FBI UCR violent-crime rates when
published. Higher means a stronger standing on those published figures, not a livability
rating, not a recommendation to move, buy, or pick a "best" city. Missing inputs drop out
and redistribute weight.
How it is calculated.
Cost of living B+
91.9 index
BEA state Regional Price Parities index (100 ≈ national average); lower is stronger on this axis. Same value for every city in the state.
Violent crime F
364 /100k
FBI UCR violent offenses per 100,000 residents; lower is stronger on this axis.
Poverty rate F
17.5%
Share of residents below the poverty line; lower scores better on this axis.
Household income F
$42,402
Median household income vs U.S. cities (pop ≥1,000); ACS.
Bachelor's+ share F
8.2%
Adults with a bachelor's degree or higher; ACS.
Monterey profile (scored ACS/FBI dimensions)Read the chart values
Cost of living: 78/100 (B+) · 91.9 index
Violent crime: 24/100 (F) · 364 /100k
Poverty rate: 18/100 (F) · 17.5%
Household income: 10/100 (F) · $42,402
Bachelor's+ share: 2/100 (F) · 8.2%
Where Monterey sits on home value vs crime among peer cities
Monterey's median home value and FBI crime rate plotted with similar-size and
same-state peers (padded with large cities when the peer set is thin). The second
read: pricey does not always mean safer, check which quadrant this city lands in.
Census ACS median home value vs FBI UCR crime rate - Monterey highlighted among 9 peers.Read the chart values
Monterey, TN (this city): home $130,600, crime 1,676/100k
Van, TX : home $167,900, crime 1,059/100k
McLeansboro, IL : home $72,200, crime 192/100k
Galena, KS : home $70,600, crime 1,127/100k
New Richmond, OH : home $221,100, crime 216/100k
Woodbury, TN : home $195,600, crime 968/100k
Westmoreland, TN : home $228,400, crime 250/100k
New Tazewell, TN : home $162,500, crime 1,280/100k
Jacksboro, TN : home $204,000, crime 1,978/100k
How does Monterey compare to other US cities?
Here's how Monterey stacks up against the full field of US cities (population 1,000+), computed live from Census and FBI data.
Household income10% higher than other cities
Home value21% pricier than other cities
Median rent34% pricier than other cities
Safety41% safer than other cities
"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.
National percentiles can mask local variation. Looking only at Tennessee, Monterey ranks #97 of 174 Tennessee cities by lowest crime rate - a narrower, more locally useful cut than the national comparison above.
How we calculate these percentiles & ranks
Each percentile compares Monterey against every qualifying US city; each in-state rank narrows that to Tennessee only. Full formula and direction notes: methodology.
Tennessee-relative analysis
Median Gross Rent places Monterey near the bottom of Tennessee's cities
Among the 482 Tennessee cities PlainCities tracks with reported median gross rent data, Monterey ranks #1 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Monterey only against its own state's cities, not the full US field.
Median Household Income
#374 of 458
18th percentile in Tennessee
Median Gross Rent
#1 of 482
0th percentile in Tennessee
Median Home Value
#345 of 455
24th percentile in Tennessee
Poverty Rate
#110 of 482
77th percentile in Tennessee
Bachelor's Degree or Higher
#411 of 482
14th percentile in Tennessee
How in-state ranks are ordered
Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within Tennessee only, not a livability score. See the methodology for the source and calculation.
Gauge source note
10th percentile nationally for median household income · 41st percentile for safety (lower crime rate). Source: Census ACS 2023 / FBI UCR 2023.
Monterey's profile vs. every US city
Income, affordability, and safety percentile
Monterey's percentile rank on 3 favorable-direction measures (income, affordability, safety) vs. every tracked US city -- higher on every axis is more favorable. Not a composite quality score, just the arithmetic mean of the axes shown.
How Monterey's home value compares nationally
Median home value vs. every US city (population 1,000+)
$130,600Among the most affordablemore affordable than 79% of 15,600 US cities
Show national distribution
Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau ACS 5-Year Estimates · 2023
Monterey's home-value-to-income ratio: 3.1×
ACS median home value divided by median household income.
Band
moderate
3.0–5.0×
National rank
#7,098 of 15,516
More affordable than 54% of tracked cities (pop. 1,000+)
Size class
#5,937 of 11,323
Micro cities (under 10,000)
At 3.1×, Monterey sits in the moderate band:
national rank #7,098 of 15,516 and #5,937 of 11,323micro cities (under 10,000).
Income and home value move in the same broad scale; check same-state peers before treating the multiple as an advantage or a warning.
How this ratio is calculated
Ratio = Census ACS 2023 median home value ÷ median household income for cities with both fields and population ≥ 1,000.
Rank 1 = lowest ratio (most compact). Bands match the fleet affordability thresholds used on guides (<3.0 / 3.0–5.0 / >5.0).
This is not a mortgage payment estimate and does not include rates, taxes, insurance, or down payment.
Income distribution context
$42,402Monterey, TN median household income (Census ACS)
Show U.S. national quintile / Lorenz context Monterey, TN median household income (Census ACS 5-year) with U.S. national quintile shares for context. Diagonal = equality; the curve is national, not computed for Monterey, TN.
Key socioeconomic indicators
Bachelor's degree or higher (adults 25+)8.2%
Census ACS S1501, educational attainment
Poverty rate (households below FPL)17.5%
Census ACS S1701, poverty status
Labor force participation (adults 16+)57.2%
Census ACS S2301, share of working-age residents in the labor force
Population
2,751
Median Income
$42,402
Median Home Value
$130,600
Median Age
27.1
Poverty Rate
17.5%
Labor force participation
57.2%
Bachelor's Degree+
8.2%
Safety & Crime
Total Crime Rate
1675.8
per 100,000 residents
Violent Crime
364.3
per 100,000 residents
Property Crime
1311.5
per 100,000 residents
Crime reporting caveat
Reflects incidents reported to the FBI's Uniform Crime Reporting program — agency participation is voluntary and reporting completeness varies by jurisdiction and year, so this reflects reporting activity, not a definitive danger score. Not adjusted for tourism, commuter, or daytime population.
Climate
Avg Temperature
56.4°F
Annual Precipitation
64.3"
Annual Snowfall
16.0"
Schools
Total Schools
2
Public schools in this city
Population Change
PEP vintage
Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025
Monterey's Census PEP population estimates, 2020–2025.Read the chart as text
Period
Population
2020
2,748 residents
2021
2,743 residents
2022
2,751 residents
2023
2,750 residents
2024
2,797 residents
2025
2,827 residents
Housing Supply
BPS source
Census Bureau Building Permits Survey (BPS) - annual residential permits authorized
Total Permits (2024)
0
housing units authorized
Single-Family
0
detached homes
Multifamily
0
apartments & condos
5-Year Permit Trend (2019–2024)
Year
Total
Single-Family
Multifamily
Est. Value
2019
4
4
0
$0.8M
2020
1
1
0
$0.2M
2021
0
0
0
-
2022
2
2
0
$0.5M
2023
2
2
0
$0.6M
2024
0
0
0
-
Permit volume decreased 100% from 2019 to 2024.
Commute Patterns
Commute source
How workers travel to work, Census ACS 2023
Drive Alone
82.5%
Carpool
13.5%
Public Transit
0.0%
Walk
0.4%
Work from Home
3.6%
Based on 1,119 workers 16 and over.
Monthly Utility Costs
Tennessee statewide monthly utility average (EIA 2023): $218
EIA 2023 residential energy data puts average monthly utilities across Tennessee at $218 (electricity about $120 , water and sewer about $40 ).
These are Tennessee statewide averages, not a meter reading for Monterey. Actual bills vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.
Living Costs & Risk
Tennessee's BEA cost-of-living index is 91.9 (Well Below Average; US average = 100, RPP 2024). HUD Fair Market Rent for a typical two-bedroom in the county around Monterey is $1,118/mo. FEMA's National Risk Index, averaged to Tennessee statewide on PlainCities, rates natural-hazard exposure at 52.5 / 100 (Low).
Cost/risk geography note
Cost of living is a Tennessee statewide BEA average; rent is a county-level HUD Fair Market Rent for the county Monterey sits in; the FEMA hazard score shown here is a statewide average of county NRI inputs, not a parcel-level reading.
How Monterey compares to similar-size Tennessee cities
Same-state peer method
Closest same-state population matches, not geographic neighbors. Population + median household income come from Census Bureau ACS 5-year B01001 and B19013.
Source: U.S. Census Bureau ACS 5-Year 2023, FBI UCR, NOAA Climate Normals, NCES CCD, Census BPS 2024, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.