Monticello ZIP Codes — Wayne County, KY

There is one unique ZIP code in Monticello, Kentucky and it is 42633. Area code: 606.

ZIP codes

419.34

sq mi land

24.11

sq mi water

606

area code

Monticello, KY ZIP code map

About Monticello, KY

Monticello, Kentucky, is a small city located in Wayne County, known for its scenic beauty and rich cultural heritage. Nestled in the southern part of the state, this charming locale serves as a hub for the surrounding rural areas. Boasting a close-knit community, Monticello offers residents and visitors a unique blend of history, nature, and recreational opportunities.

Location & geography

The city of Monticello is situated in Wayne County, which is located in the southeastern region of Kentucky. Nearby cities include Somerset, approximately 23 miles to the northeast, Albany, around 18 miles to the northwest, and Jamestown, about 19 miles to the west. The terrain of Monticello covers a total land area of 419.34 square miles, with a water area of 24.11 square miles, featuring a mix of hilly landscapes and waterways that enhance its natural beauty.

Community & economy

Monticello has a warm and welcoming atmosphere with a strong sense of community spirit among its residents. The local economy is supported by industries such as agriculture, tourism, and retail, with various businesses catering to both locals and visitors. Daily life in Monticello includes community gatherings, local festivals, and outdoor activities that highlight the area's natural attractions, such as nearby lakes and parks.

Transportation

Monticello is well-connected through major highways, including U.S. Route 90 and Kentucky Route 92, allowing for convenient travel to neighboring towns and cities. The nearest named airport is Lake Cumberland Regional Airport, located about 14 miles from Monticello, providing regional air travel options.

History

Monticello was founded in the early 19th century when the area began to develop around the local resources and its strategic location. The city has historically been centered around agriculture and timber industries, contributing significantly to its growth over the years. Notable events in its history include the establishment of local schools and churches that have strengthened community ties.

Did you know?

One little-known fact about Monticello is that it is situated near the beautiful Lake Cumberland, which attracts visitors for water-related activities like fishing and boating. Additionally, Monticello serves as a gateway to explore the natural wonders of the Daniel Boone National Forest, making it a popular spot for outdoor enthusiasts.

ZIP codes for Monticello, KY (1)

ZIP code	City	County	Map
42633	Monticello	Wayne	View map

Demographics & statistics

18,483

Population

43.2

Median age

$41,970

Median household income

$26,929

Per capita income

$114,700

Median home value

$677

Median monthly rent

72.5%

Home ownership

24.9%

Poverty rate

5.5%

Unemployment

7,194

Housing units

14.1%

Bachelor's or higher

Age distribution

Male Female

501

Under 5

519

471

5–9

488

534

10–14

553

527

15–19

546

591

20–24

612

1,134

25–34

1,172

1,068

35–44

1,105

1,139

45–54

1,178

611

55–59

632

608

60–64

628

1,100

65–74

1,137

641

75–84

663

160

85+

165

← Male

Female →

Age summary

Group	Count	%
Under 18	3,790	20.5%
18 and over	14,693	79.5%
65 and over	3,866	20.9%
Median age	43.2 years

Race & ethnicity

White 89.2%

Hispanic or Latino 3.6%

Other race 2.7%

Two or more races 2.6%

American Indian / Alaska Native 1.4%

Black or African American 0.5%

Group	Count	%
White	17,103	89.2%
Hispanic or Latino	699	3.6%
Other race	515	2.7%
Two or more races	492	2.6%
American Indian / Alaska Native	268	1.4%
Black or African American	97	0.5%

Household income

Under $10k 7.7%

$10k–$15k 10.7%

$15k–$25k 13.0%

$25k–$35k 12.7%

$35k–$50k 13.6%

$50k–$75k 16.9%

$75k–$100k 11.1%

$100k–$150k 9.3%

$150k–$200k 3.0%

$200k+ 2.1%

Range	% of households
Under $10k	7.7%
$10k–$15k	10.7%
$15k–$25k	13.0%
$25k–$35k	12.7%
$35k–$50k	13.6%
$50k–$75k	16.9%
$75k–$100k	11.1%
$100k–$150k	9.3%
$150k–$200k	3.0%
$200k+	2.1%
Median income	$41,970

Housing

Home values

Under $50k 21.1%

$50k–$100k 22.5%

$100k–$150k 19.9%

$150k–$200k 15.5%

$200k–$300k 7.2%

$300k–$500k 10.0%

$500k–$1M 2.6%

$1M+ 1.3%

Housing overview

Metric	Value
Median home value	$114,700
Median rent / month	$677
Owner occupied	72.5%
Renter occupied	27.5%
Vacant	20.0%
Single-family detached	64.9%
Large apartment buildings	0.6%
Mobile homes	26.0%
Median rooms	5.3
Avg household size (owned)	2.36

Year built

Era	%
2020 or later	0.1%
2010–2019	7.8%
2000–2009	14.6%
1990–1999	19.6%
1980–1989	17.1%
1970–1979	18.5%
1960–1969	9.8%
1950–1959	6.3%
1940–1949	2.1%
1939 or earlier	4.1%

Bedrooms

Size	% of units
No bedroom (studio)	2.2%
1 bedroom	3.1%
2 bedrooms	29.7%
3 bedrooms	49.5%
4 bedrooms	12.2%
5+ bedrooms	3.2%

Vehicles per household

Vehicles	% of households
No vehicle	6.4%
1 vehicle	35.2%
2 vehicles	32.6%
3 or more	25.9%

Heating fuel

Fuel type	%
Utility gas	1.8%
Electricity	81.7%
Propane / LP gas	8.0%
Fuel oil	0.3%
Wood	7.9%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	3,796	51.4%
Cohabiting couple	291	3.9%
Male householder, no spouse	1,351	18.3%
Female householder, no spouse	1,948	26.4%
Households with children under 18	2,458	33.3%
Households with seniors (65+)	2,887	39.1%
Average household size	2.47

Marital status

Status	Male	Female
Never married	26.4%	24.3%
Married	55.9%	49.7%
Separated	2.1%	4.1%
Widowed	4.3%	11.4%
Divorced	11.3%	10.5%

Education

Less than 9th grade 12.6%

Some HS, no diploma 11.3%

HS graduate 39.8%

Some college, no degree 16.1%

Associate's degree 6.0%

Bachelor's degree 7.7%

Graduate / professional 6.4%

Metric	%
HS diploma or higher	76.1%
Bachelor's or higher	14.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	124	3.9%
Kindergarten	167	5.3%
Elementary school	1,516	47.7%
High school	1,023	32.2%
College / grad school	346	10.9%

Employment

Industry of employment

Education & healthcare 22.2%

Manufacturing 20.8%

Retail trade 11.8%

Transportation & utilities 6.9%

Construction 6.5%

Professional & management 6.4%

Finance & real estate 5.9%

Arts, food & hospitality 5.4%

Agriculture & mining 5.2%

Public administration 4.3%

Other services 3.0%

Wholesale trade 0.9%

Information 0.7%

Occupation

Category	%
Management, business & arts	23.0%
Service	14.2%
Sales & office	25.7%
Natural resources & construction	9.4%
Production & transportation	27.7%

Employment type

Type	%
Private sector	77.0%
Government	15.7%
Self-employed	7.0%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	77.8%
Carpool	13.0%
Public transit	0.2%
Walk	0.4%
Other means	0.6%
Avg commute (minutes)	21.5

Poverty

All people 24.9%

Under 18 years 37.3%

18 and over 21.8%

Married-couple families 9.1%

Female-led households 51.1%

Income support

Source	% of households
Social Security	46.9%
Retirement income	24.4%
Supplemental Security	14.7%
Cash public assistance	2.1%
Food stamps / SNAP	16.8%

Health indicators

Condition	%
High blood pressure	44.9%
High cholesterol	38.9%
Heart disease	9.3%
Stroke	4.5%
Asthma	12.2%
Arthritis	35.3%
Kidney disease	3.8%
Pulmonary disease	14.0%
Cancer	7.0%

Behavior / access	%
Binge drinking	14.2%
No physical activity	37.1%
Less than 7 hrs sleep	39.3%
Fair or poor health	26.6%
Poor mental health	19.9%
Poor physical health	17.7%
No health insurance	13.1%
Visited doctor (checkup)	76.8%
Visited dentist	45.4%
Cholesterol screening	88.1%
Teeth loss	25.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,043	7.1%

Disability	%
Any disability	24.1%
Under 18	3.9%
18–64 years	23.4%
65 and over	46.1%

Health insurance coverage

Type	%
Private insurance	46.2%
Public insurance	60.5%
Uninsured under 19	3.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	17,463	94.5%
Spanish	219	1.3%
Other Indo-European	207	1.2%
Asian & Pacific Islander	4	0.0%
Other languages	8	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	17,948	97.1%
Born in same state	17,868	96.7%
Born in different state	14,529	78.6%
Foreign born	80	0.4%
Naturalized citizen	535	2.9%
Not a US citizen	244	45.6%

Ancestry

Ancestry	Count	%
French	3,402	18.4%
Arab	2,216	12%
Italian	1,907	10.3%
English	171	0.9%

Ancestry	Count	%
Polish	22	0.1%
Dutch	19	0.1%
Norwegian	12	0.1%
Irish	9	0%

Technology access

Metric	% of households
Computer access	40.0%
Internet access	82.4%

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

Frequently asked questions

What ZIP codes does Monticello, KY have?

Monticello, KY has one ZIP code: 42633. Each ZIP code serves a distinct delivery area within the city and surrounding region.