Monterey Bay is a bay of the Pacific Ocean located on the coast of the U.S. state of California. The bay is south of the major cities of San Francisco and San Jose. 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 local colloquialism sometimes used to describe the whole of the Central Coast communities of Santa Cruz and Monterey counties.