Monterey Bay is a bay of the Pacific Ocean located on the coast of the U.S. state of California, south of the San Francisco Bay Area. San Francisco itself is further north along the coast, by about 75 miles (120 km), accessible via CA 1 and US 101.
Santa Cruz is located at the north end of the bay, and Monterey is on the Monterey Peninsula at the south end. The "Monterey Bay Area" is a regional term used to describe the Monterey Bay-adjacent Central Coast communities of Santa Cruz, Monterey, and San Benito counties. The three counties, along with Monterey Bay-adjacent cities, collaborate in the Association of Monterey Bay Governments (AMBAG) on regional issues and come together for events like the State of the Region hosted by the Monterey Bay Economic Partnership.