Kate Montieth Mayo grew up in an affluent family. Her father owned a huge store on the East side of New York City, but the family lived in Yonkers with several servants to attend them. Kate had seven siblings, but only two of her sisters lived to adulthood. Part of her education must have included art lessons since the drawings on the sketch pad passed down through the family had grades written on them.
After being courted for nine years, Charles Sears McCulloh finally proposed to Kate and the two were married in St. George’s Church in New York City by Rev. W. S. Ramsford on 23 April 1889. Early in their marriage they lived at 206 W. 69th St. in New York City. Later they had a large home with servants on W. 139th St. Kate and Charles had one daughter, Katharine. Several pieces of silver and Kate’s cookbook have been passed down through the family.
 McCulloh Family Bible, 1889, family pages only, in authors possession; Family papers.
 1900 U.S. Census, New York County, New York, pop. sch., Manhattan, ED 462, p. 18A, dwelling 33, family 457, Charles McCulloh, citing NARA T623, roll 1103; 1910 U.S. Census, New York County, New York, pop. Sch., Manhattan Ward 12, ED 525, p. 11A, dwelling 38, family 274, Chas S McCulloh, citing NARA T624, roll 1021; 1915 New York State Census, New York County, pop. sched., New York, AD 21, ED 26, p. 27, Charles S McCulloh, all on Ancestry.