What stands out worked out from the figures below

Monterey has grown the fastest since 2010 (+13.9%).

Richmond has the most kids (12.4% under 18).

What matters to you?

Pick a few. We’ll pull those rows to the top and mark which town comes out ahead on each. There’s no overall score: what matters is up to you.

Raising kidsAffordabilityOwning a homeShort commuteWorking from homeYounger crowdSettled, older crowdGrowing town

Measure	Monterey	Richmond
People
Population	954Lowest	1,403Highest
Growth since 20102010 → 2020 census	+13.9%Highest MA: +7.4%	-4.6%Lowest MA: +7.4%
Median age	62.3±14Highest 56% above MA	62.1±3Lowest 55% above MA
	Monterey and Richmond are within the Census margin of error here, so we can’t say which is really higher.
Kids under 18	11.2%±4.2Lowest MA: 19.4%	12.4%±2.5Highest MA: 19.4%
	Richmond and Monterey are within the Census margin of error here, so we can’t say which is really higher.
Age 65+	43.5%±13.2Highest MA: 17.9%	37.8%±1.8Lowest MA: 17.9%
	Monterey and Richmond are within the Census margin of error here, so we can’t say which is really higher.
Bachelor’s degree+adults 25+	64.4%Lowest MA: 47.3%	67.6%Highest MA: 47.3%
Enrolled in collegeshare of residents	4.3%±4.9Highest MA: 7.9%	2.9%±1.3Lowest MA: 7.9%
	Monterey and Richmond are within the Census margin of error here, so we can’t say which is really higher.
Cost of living
Household incomemedian	$152,353±$89kHighest 47% above MA	$106,250±$24kLowest about the MA average
	Monterey and Richmond are within the Census margin of error here, so we can’t say which is really higher.
Home valuemedian, owner-occupied	$603,200±$57kHighest 7% above MA	$584,500±$51kLowest 4% above MA
	Monterey and Richmond are within the Census margin of error here, so we can’t say which is really higher.
Rentmedian gross, monthly	$1,762±$128Highest about the MA average	$1,593±$299Lowest 10% below MA
	Monterey and Richmond are within the Census margin of error here, so we can’t say which is really higher.
Property taxmedian, yearly	$2,858Lowest 52% below MA	$5,575Highest 7% below MA
Renters paying 30%+of income on rent	43.3%±85.1Highest MA: 51.8%	14%±36.1Lowest MA: 51.8%
	Monterey and Richmond are within the Census margin of error here, so we can’t say which is really higher.
Below poverty line	4.1%Lowest MA: 10%	7.3%Highest MA: 10%
Housing
Homeownersof occupied homes	87.4%Lowest MA: 62.5%	90.2%Highest MA: 62.5%
Typical home builtmedian year	1973Highest 9 yrs newer than MA	1970Lowest 6 yrs newer than MA
Getting to work
Average commuteone way	23 minHighest 22% below MA	22 minLowest 24% below MA
Work from home	23.6%±16.3Highest MA: 18.6%	17.1%±3.1Lowest MA: 18.6%
	Monterey and Richmond are within the Census margin of error here, so we can’t say which is really higher.
Schools
School district	—	Richmond
High school in town	—	None in town
On TownTapestry
Old photos in History	None yet	None yet

MA average · Sources: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024; 2010 & 2020 decennial census; NCES Common Core of Data. “±” is the Census margin of error. Property tax is top-coded by the Census at $10,000+. School rank compares math and reading proficiency against the state average.