PlainZIP

Monticello, KY · standard

ZIP Code 42633

Wayne County, Kentucky - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

20,065
18/sq mi
$46,040
Median income
$138,900
Median home value
13.6%
Bachelor's or higher

National ZIP placement

Monticello pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a rural, homeowner-dominated area.

10th pct
household income, US ZIPs
22nd pct
home value, US ZIPs
18
people per sq mi
68%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 42633 against every reporting US ZIP.

FHFA HPI release change

What changed in the latest House Price Index year

2023 -> 2024
  • FHFA House Price Index values in ZIP 42633 (Monticello, KY) rose +6.9% from 2023 to 2024. The all-transactions index moved from 232.8 in 2023 to 249.0 in 2024 (2000 = 100).

Arithmetic difference between stored FHFA all-transactions ZIP House Price Index annual values - a developmental index from repeat sales and appraisals, not a transaction median, appraisal opinion, or forecast. Thin markets can move sharply.

National HPI changes Year-pair CSV

ZIP code 42633 is a densely settled ZIP (a standard USPS delivery area) in Monticello, Wayne County, Kentucky, with 20,065 residents across 1127.2 square miles, a density of 18 people per square mile, in the Kentucky/Monticello time zone.

ZIP 42633 reports a modest median household income of $46,040 (23% below the average Kentucky ZIP), while per-capita income is $24,996. The poverty rate is 25.0%, so the area-level income figures should not be treated as typical household experience. Median home value is $138,900 (13% below the average Kentucky ZIP) and median rent is $726; 68.0% of occupied homes are owner-occupied.

Formal educational attainment runs low here: just 13.6% of adults hold a bachelor's degree or higher, the median age is 43.7, and the average commute is 24 minutes. No nearby ZIP peer set is available for this delivery area, so the Kentucky and national benchmarks above are the appropriate context for 42633.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

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Top industries in ZIP 42633

Top 5 sectors by establishment count in Monticello, KY

Which industries have the most business establishments in ZIP 42633.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 42633, Monticello, KY · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

20,065

Population

1127.2

Area (sq mi)

18

People / sq mi

Kentucky/Monticello

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 42633?

43.7

Median Age

50.1%

Male

49.9%

Female

1.8%

Foreign-Born

White 91.7%
African American 1.3%
Asian 0.0%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.1%
Hispanic or Latino 4.7%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$46,040

Median Household Income

-23% vs state ZIP avg

$24,996

Per Capita Income

25.0%

Poverty Rate

6.0%

Unemployment Rate

24.1 min

Mean Commute Time

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 56.5%
Bachelor's Degree or Higher 13.6%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

9,270

Total Housing Units

7,611

Occupied Units

1,659

Vacant Units

2.41

Avg Household Size

Occupancy Type

Owner 68.0%
Renter 32.0%

$138,900

Median Home Value

-13% vs state ZIP avg

$726

Median Rent

1985

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+6.9%

YoY Change (2024)

249

HPI Index (2000 = 100)

+149%

Total Change Since 2000

Home values in ZIP 42633 have increased 6.9% over the past year (2024). Since 2000, this ZIP has seen +149% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.3% 159
2021 +14.9% 182
2022 +11.1% 203
2023 +14.9% 233
2024 +6.9% 249

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 280 business establishments in ZIP 42633, employing approximately 4,087 people with a combined annual payroll of $136,280,000.

280

Businesses

4,087

Employees

$136.3M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Retail trade 70 25.0%
Health care and social assistance 35 12.5%
Other services (except public administration) 29 10.4%
Accommodation and food services 22 7.9%
Professional, scientific, and technical services 21 7.5%
Manufacturing 20 7.1%
Finance and insurance 20 7.1%
Construction 16 5.7%
Wholesale trade 13 4.6%
Information 7 2.5%
Transportation and warehousing 5 1.8%
Real estate and rental and leasing 5 1.8%
Administrative and support and waste management and remediation services 5 1.8%
Arts, entertainment, and recreation 5 1.8%
Agriculture, forestry, fishing and hunting 4 1.4%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nationwide ZIPs with similar ACS profiles

Two Census-derived peer sets for ZIP 42633, both outside KY so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).

Similar population

Nearest cross-state ZIPs by resident population (20,065 here; floor ≥1,000).

33558 · Lutz, FL 20,064 21409 · Annapolis, MD 20,064 90603 · Whittier, CA 20,063 00773 · Luquillo, PR 20,068

Similar median household income

Nearest cross-state ZIPs by ACS median household income.

65264 · Martinsburg, MO $46,042 96025 · Dunsmuir, CA $46,036 39074 · Forest, MS $46,030 36726 · Camden, AL $46,030

Related Areas

Wayne County Monticello, KY Kentucky

Frequently Asked Questions

What county is ZIP code 42633 in? ▼
ZIP code 42633 (Monticello) is located in Wayne County, Kentucky. Wayne County contains multiple ZIP codes, see the full list at /counties/wayne-ky.
What is the population of ZIP code 42633? ▼
ZIP code 42633 in Monticello, KY has a population of 20,065 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 42633? ▼
The median household income in ZIP 42633 is $46,040, which is 40% below the national average of $76,288.
What is the average home value in ZIP 42633? ▼
The median home value in ZIP 42633 is $138,900, which is 50% below the national average of $278,155.
What is the demographic makeup of ZIP 42633? ▼
The largest racial group in ZIP 42633 is White at 91.7%. Hispanic or Latino residents make up 4.7% of the population.
How many businesses are in ZIP code 42633? ▼
ZIP code 42633 has 280 business establishments employing approximately 4,087 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 42633? ▼
The top industries by establishment count in ZIP 42633 are: Retail trade (70), Health care and social assistance (35), Other services (except public administration) (29). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 42633? ▼
According to the FHFA House Price Index, home values in ZIP 42633 increased by 6.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 149%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 42633? ▼
In ZIP code 42633, 56.5% of residents aged 25+ have a high school diploma or higher, and 13.6% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 42633? ▼
The mean commute time for workers in ZIP code 42633 is 24.1 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 42633? ▼
In ZIP code 42633, approximately 68.0% of occupied housing units are owner-occupied and 32.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 42633? ▼
The poverty rate in ZIP code 42633 is 25.0% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Related

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Read our methodology : how this data is sourced, computed, and verified.

This page explains the source records, calculation, and limits behind the figures shown. ZIP-level Census records are displayed directly; county, state, and national comparisons are calculated from those published records. Read our editorial standards and corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-06.