ZIP Code 42633 — Monticello city, KY Demographics & Data

ZIP code 42633 covers Monticello, KY in Wayne County with a population of about 18,609.

At a glance, the area shows median age of 42.8 versus a U.S. median of about 38.9.

It sits in telephone area code 606; U.S. House district KY-5; the LEXINGTON media market.

Median household income in ZIP 42633 is about $42,500 — about 43% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 24.5%; unemployment rate near 5.2%; 13.3% of adults with a bachelor’s degree or higher (about 20.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 9.8% of workers reporting work-from-home (about 5.4 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $124,200 — about 64% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $448 (about 61% below the U.S. median rent ($1,163)), and owner-occupancy near 70.8% (about 5.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 42633 in Monticello, KY, a household would need roughly $34,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $798. That sits below the local median household income ($42,500), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Monticello city, KY as Relatively Low (composite score 54.7), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (52.5) and flood (51.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Monticello city, KY show little to no average snow and around 52.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 695 for ZIP 42633 (Monticello city, KY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.