There are ones in the number 192,723.
We make the following place value diagram:

Hundred thousands 
Ten Thousands 
Thousands 
Hundreds 
Tens 
Ones 
Digit 
1 
9 
2 
7 
2 
3 
Value 
100,000 
90,000 
2,000 
700 
20 
3 
So there are 3 ones in the number