Monterey ZIP Codes — Putnam County, TN

There is one unique ZIP code in Monterey, Tennessee and it is 38574. Area code: 931.

ZIP codes

169.25

sq mi land

0.55

sq mi water

931

area code

Monterey, TN ZIP code map

About Monterey, TN

Monterey, Tennessee, is a charming small town located in Putnam County. Known for its friendly community and picturesque landscapes, this area offers a peaceful atmosphere that attracts residents and visitors alike. The town is rich in history and natural beauty, making it an ideal spot for those looking to experience true Southern hospitality.

Location & geography

Monterey is situated in the central part of Tennessee, making it accessible from several neighboring cities. Just 20 miles to the east is Cookeville, while 15 miles to the west lays Baxter, offering residents and travelers alike easy access to shopping and dining options. The town covers a land area of 169.25 square miles, with a small water area of 0.55 square miles, providing a diverse landscape of hills and valleys.

Community & economy

The community in Monterey is characterized by a friendly, small-town atmosphere where neighbors know each other. Agriculture plays a significant role in the local economy, along with small businesses that serve both residents and visitors. Daily life is often punctuated by community events, local festivals, and a strong sense of belonging among its residents.

Transportation

Monterey is conveniently located near several major highways, including Interstate 40, which allows for easy travel to nearby cities and attractions. The town does not have its own airport, but the closest major airport is the Nashville International Airport, which is approximately 100 miles away. Public transit options are limited, but the scenic routes through the town and surrounding areas offer a delightful travel experience.

History

Monterey was established in the 1800s and has a rich history linked to agriculture and the railroad industry. The area flourished due to the fertile land and the arrival of the railroad, which facilitated trade and growth. Notable events in its history include the establishment of various community institutions that continue to serve the residents today.

Did you know?

One surprising fact about Monterey is that it hosts the annual Monterey Dogwood Festival, which celebrates the blooming of the dogwood trees and features local crafts, music, and food. This event attracts visitors from surrounding areas and showcases the town's vibrant community spirit.

ZIP codes for Monterey, TN (1)

ZIP code	City	County	Map
38574	Monterey	Putnam	View map

Demographics & statistics

8,602

Population

40.7

Median age

$49,404

Median household income

$26,192

Per capita income

$165,200

Median home value

$753

Median monthly rent

75.6%

Home ownership

20.0%

Poverty rate

4.4%

Unemployment

3,018

Housing units

11.4%

Bachelor's or higher

Age distribution

Male Female

264

Under 5

216

319

5–9

261

303

10–14

249

338

15–19

277

243

20–24

200

618

25–34

507

461

35–44

378

459

45–54

376

356

55–59

291

404

60–64

332

678

65–74

556

191

75–84

157

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,163	25.1%
18 and over	6,439	74.9%
65 and over	1,750	20.3%
Median age	40.7 years

Race & ethnicity

White 90.1%

Hispanic or Latino 3.2%

Two or more races 2.7%

Other race 2%

American Indian / Alaska Native 1.2%

Black or African American 0.7%

Group	Count	%
White	8,007	90.1%
Hispanic or Latino	281	3.2%
Two or more races	241	2.7%
Other race	182	2%
American Indian / Alaska Native	110	1.2%
Black or African American	62	0.7%

Household income

Under $10k 7.9%

$10k–$15k 7.7%

$15k–$25k 11.8%

$25k–$35k 7.8%

$35k–$50k 16.1%

$50k–$75k 17.3%

$75k–$100k 14.3%

$100k–$150k 10.2%

$150k–$200k 1.6%

$200k+ 5.2%

Range	% of households
Under $10k	7.9%
$10k–$15k	7.7%
$15k–$25k	11.8%
$25k–$35k	7.8%
$35k–$50k	16.1%
$50k–$75k	17.3%
$75k–$100k	14.3%
$100k–$150k	10.2%
$150k–$200k	1.6%
$200k+	5.2%
Median income	$49,404

Housing

Home values

Under $50k 12.2%

$50k–$100k 16.7%

$100k–$150k 15.8%

$150k–$200k 15.2%

$200k–$300k 16.2%

$300k–$500k 20.7%

$500k–$1M 2.0%

$1M+ 1.1%

Housing overview

Metric	Value
Median home value	$165,200
Median rent / month	$753
Owner occupied	75.6%
Renter occupied	24.4%
Vacant	13.9%
Single-family detached	79.9%
Large apartment buildings	0.3%
Mobile homes	11.5%
Median rooms	5.7
Avg household size (owned)	2.46

Year built

Era	%
2020 or later	0.2%
2010–2019	9.7%
2000–2009	16.3%
1990–1999	26.3%
1980–1989	9.1%
1970–1979	16.4%
1960–1969	7.4%
1950–1959	4.4%
1940–1949	3.0%
1939 or earlier	7.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.2%
1 bedroom	5.0%
2 bedrooms	22.9%
3 bedrooms	54.7%
4 bedrooms	12.3%
5+ bedrooms	4.8%

Vehicles per household

Vehicles	% of households
No vehicle	2.8%
1 vehicle	24.2%
2 vehicles	47.3%
3 or more	25.8%

Heating fuel

Fuel type	%
Utility gas	34.2%
Electricity	43.8%
Propane / LP gas	7.6%
Fuel oil	0.8%
Wood	12.9%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	1,761	53.5%
Cohabiting couple	276	8.4%
Male householder, no spouse	562	17.1%
Female householder, no spouse	692	21.0%
Households with children under 18	1,063	32.3%
Households with seniors (65+)	1,219	37.0%
Average household size	2.59

Marital status

Status	Male	Female
Never married	32.1%	14.8%
Married	54.8%	58.8%
Separated	0.4%	2.0%
Widowed	3.4%	11.3%
Divorced	9.3%	13.1%

Education

Less than 9th grade 12.7%

Some HS, no diploma 8.4%

HS graduate 43.1%

Some college, no degree 18.0%

Associate's degree 6.5%

Bachelor's degree 8.3%

Graduate / professional 3.2%

Metric	%
HS diploma or higher	78.9%
Bachelor's or higher	11.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	142	7.0%
Kindergarten	113	5.6%
Elementary school	951	47.0%
High school	513	25.4%
College / grad school	303	15.0%

Employment

Industry of employment

Manufacturing 18.2%

Education & healthcare 16.5%

Retail trade 15.7%

Professional & management 13.0%

Other services 8.9%

Arts, food & hospitality 6.1%

Agriculture & mining 5.4%

Construction 4.2%

Transportation & utilities 4.0%

Finance & real estate 3.7%

Wholesale trade 2.2%

Public administration 1.3%

Information 0.7%

Occupation

Category	%
Management, business & arts	18.5%
Service	17.0%
Sales & office	18.1%
Natural resources & construction	11.4%
Production & transportation	35.0%

Employment type

Type	%
Private sector	78.6%
Government	5.6%
Self-employed	15.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	82.6%
Carpool	9.9%
Public transit	0.0%
Walk	3.2%
Other means	0.1%
Avg commute (minutes)	23.5

Poverty

All people 20.0%

Under 18 years 27.8%

18 and over 17.4%

Married-couple families 10.7%

Female-led households 35.6%

Income support

Source	% of households
Social Security	42.8%
Retirement income	29.4%
Supplemental Security	8.8%
Cash public assistance	1.4%
Food stamps / SNAP	13.4%

Health indicators

Condition	%
High blood pressure	42.7%
High cholesterol	38.9%
Heart disease	9.1%
Stroke	4.3%
Asthma	10.9%
Arthritis	33.3%
Kidney disease	3.7%
Pulmonary disease	11.9%
Cancer	7.1%

Behavior / access	%
Binge drinking	13.2%
No physical activity	31.8%
Less than 7 hrs sleep	35.5%
Fair or poor health	22.0%
Poor mental health	18.1%
Poor physical health	14.7%
No health insurance	20.9%
Visited doctor (checkup)	76.4%
Visited dentist	51.0%
Cholesterol screening	88.9%
Teeth loss	22.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	443	6.9%

Disability	%
Any disability	17.4%
Under 18	7.2%
18–64 years	16.4%
65 and over	33.4%

Health insurance coverage

Type	%
Private insurance	50.7%
Public insurance	47.0%
Uninsured under 19	7.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,122	94.4%
Spanish	148	1.8%
Other Indo-European	147	1.8%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	8,225	95.6%
Born in same state	8,216	95.5%
Born in different state	4,662	54.2%
Foreign born	9	0.1%
Naturalized citizen	377	4.4%
Not a US citizen	112	29.7%

Ancestry

Ancestry	Count	%
Arab	2,208	25.7%
French	1,005	11.7%
Italian	721	8.4%
English	69	0.8%

Ancestry	Count	%
German	47	0.5%
Irish	44	0.5%
Polish	40	0.5%
Dutch	13	0.2%

Technology access

Metric	% of households
Computer access	38.3%
Internet access	90.1%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions

What ZIP codes does Monterey, TN have?

Monterey, TN has one ZIP code: 38574. Each ZIP code serves a distinct delivery area within the city and surrounding region.