Monterey is a town in Putnam County, Tennessee, United States. As of the 2020 census, Monterey had a population of 2,746. It is part of the Cookeville, Tennessee micropolitan statistical area.

From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)

How Monterey ranks

All →

#19Cheapest rent in TN #28Most walkable in TN #30Most affordable in TN All TN rankings →

Town numbers

ZIP code38574

Area code931

Living in Monterey

Housing in Monterey

$298K▲ 4.3% in a year Typical home value · Zillow

The typical Monterey home is worth about $298,000, up 4.3% in a year, 11% below the Tennessee typical home.

Only 3 sales in May 2026, too few for a market read. The typical value is the steadier guide.

Zillow Home Value Index · Redfin Data CenterHousing market →

Safety in Monterey

—

Not graded

A grade needs all of the FBI's latest years (2023–2025). Monterey's police department reported only 2023 and 2024, so we don't grade it yet. The figures below are still real.

Violent crime per 1,000

Monterey 3.6

Tennessee 6

U.S. 3.6

Property crime per 1,000

Monterey 13.1

Tennessee 20.7

U.S. 17.7

FBI crime data, 2024 · crimes reported to policeCrime & safety →

Work & commute in Monterey

Full picture →

Most working residents leave Monterey for work: only 14% work in town. The top destinations are Cookeville (28%), Crossville (9%) and Sparta (3%). Half commute less than 17 miles.

Cookeville

28%

Crossville

Sparta

Knoxville

14%Work in townlive and work in Monterey 17 miWhere do people commute?the commute map 1,325Jobs based herebalanced

Census LEHD 2023 · ACSWork & commute in Monterey →

Health in Monterey

D⁻

Health Grade D−

Healthier than 5% of U.S. towns on seven CDC estimates.

Compared with Tennessee

13worse than TN

of 26 measures CDC estimates. The other 13 are too close to call.

Conditions 5▼ 7 close Habits 2▼ 2 close Care 4▼ 3 close Mind 2▼ 1 close

BetterToo close to callWorse

What stands out

27.3%More older adults who have lost all their teethTN 14.6% · worse 19.4%More uninsured adultsTN 11.6% · worse 11.9%More adults with COPDTN 8.6% · worse

Care nearby

Cookeville Regional Medical CenterCookeville · 13.8 mi · ER

Monterey-Putnam County Health Department Community Health CenterMonterey · 0.6 mi · sliding-scale fees

Primary careShortage · county-wide

DentalShortage · county-wide

Mental healthShortage · county-wide

CDC PLACES 2025 · modeled estimates for adults · CDC's estimate for Monterey · CMS · HRSAHealth in Monterey →

Natural hazards in Monterey

Low

Expected storm and flood damage is higher than in 38% of U.S. communities.

🌊 Inland flooding🌪️ Tornadoes🥶 Cold waves

0Does Monterey flood?no paid flood claims on record 1Disasters that paid out herefederal disaster sent FEMA money to Monterey

FEMA National Risk Index December 2025 · OpenFEMANatural hazards in Monterey →

Climate in Monterey

Full climate →

Monterey has chilly winters and pleasant summers, with plenty of rain. A typical July afternoon reaches 84°, a January night drops to 27°, and about 16 inches of snow falls in a normal winter.

47° / 29°Winter

66° / 46°Spring

83° / 63°Summer

68° / 47°Fall

How much snow does Monterey get?About 16 inches a winter.Rain & snow →When is the first frost?Around Oct 30, with the last in spring around Apr 10.Frost dates →Is it warmer than it used to be?+0.8° vs. the 20th century.Then & now →

NOAA U.S. Climate Normals, 1991–2020Climate in Monterey →

Schools in Monterey

All Monterey schools →

B⁻

School Grade B-

The public schools Monterey’s kids attend, from kindergarten through graduation, outperform 50% of Tennessee’s districts on state tests and graduation. Among towns with similar incomes, they sit near the middle.

See how Monterey’s schools compare in TN →

DistrictPutnam CountySchools2

Burks Elementary B+Elementary · Grades PK–6 · 515 students Monterey High School C+High · Grades 7–12 · 526 students

School data from the U.S. Department of Education (NCES, EDFacts). The School Grade is our own summary of state test results and graduation rates, graded within TN. Ratings are from neighbors.