Median Income
$63,375
16% lower than US avg
Home Value
$157,800
44% lower than US avg
Violent Crime
289/100K
24% lower than US avg
Bachelor's+
21.2%
37% lower than US avg
Median Rent
$843
28% lower than US avg
Obesity Rate
42.3%
32% higher than US avg
Unemployment
5.5%
53% higher than US avg
Poverty Rate
11.5%
7% lower than US avg
How Montezuma Compares to the U.S. Average (100% = U.S. avg)
People
Population1,257
Median Age45.1 yrs
Density509/mi²
Male / Female47% / 53%
Largest GroupWhite 94%
Veterans5.5%
Economy
B
Median Income$63,375
Per Capita$34,527
Unemployment5.5%
Poverty11.5%
County GDP$1,654M
Commute20 min
Housing
A+
Home Value$157,800
Rent$843
Ownership54.1%
Zillow$269,357
Housing Units666
Rent Burden36.7%
Crime
F
Violent289/100K
Property2,575/100K
Health
Obesity42.3%
Uninsured7.4%
Smoking17.2%
Depression23.4%
Heart Disease5.5%
Climate
Avg Temp48°F (9°C)
AQI43 (Good)
Rain38.2 in/yr
Sunny Days275/yr
Elevation946 ft (288 m)
Education
C+
Bachelor's+21.2%
High School+95.6%
Graduate+5.3%
School Score6.42
Community
2024 VoteR 58% / D 41%
Commute20 min
Broadband86.4%
EV Stations1
Libraries3
Is Montezuma a Good Place to Live?
Based on current data, Montezuma receives an overall livability score of 3.0 out of 5.0, earning a grade of B. Key strengths include low crime rates, affordable housing, abundant sunshine. Areas to be aware of include above-average unemployment, high obesity rates. Montezuma offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Montezuma is $63,375, 16% below the national average of $75,149. The unemployment rate of 5.5% is somewhat elevated compared to the national rate of 3.6%. 11.5% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 20 minutes.
Cost of Living & Housing
The median home value in Montezuma is $157,800, 44% below the national median / offering relatively affordable homeownership. Renters pay a median of $843 per month, below the national average / a plus for affordability. At just 2.5x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Montezuma is below the national average at 289 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 2,575 per 100,000, 31% above the national average.
Education
21.2% of residents hold a bachelor's degree, below the national average of 33.7%. 95.6% have completed high school. Local schools score 6.4/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Montezuma experiences four distinct seasons with an average temperature of 48°F. Winters average 19°F in January while summers reach 73°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 38.2 inches, including 31.0 inches of snow. Air quality is rated Good with a median AQI of 43.
Montezuma has a population of 1,257 with a density of 509 people per square mile, spread across 2.5 square miles. The median age is 45.1 years, 16% older than the national median of 38.9. The gender split is 52.7% female and 47.3% male. The city is predominantly White (93.6%), with 4.4% Hispanic. English is the primary language spoken at home by 99.8% of residents. 5.5% of the population are veterans. 18.8% of residents have a disability (above the 13.0% national average). 92.9% have health insurance coverage.
Population
45.1yrs
Median Age
16% above US avg
Race & Ethnicity
Montezuma vs U.S. Average
Language Spoken at Home
English Only
99.8%
27% above US avg
Spanish
0.2%
99% below US avg
Social Characteristics
Montezuma vs U.S. Average
The median household income in Montezuma is $63,375, which is 16% below the national average of $75,149. Per capita income is $34,527 (below the $39,052 national figure). The average weekly wage is $1,108, 23% lower than the U.S. average. The unemployment rate is 5.5% (above the 3.6% US average). 11.5% of residents live below the poverty line. The area has 699 business establishments, including 47 restaurants. The cost of living index is 87.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 20 minutes (shorter than the 28-minute US average). 5.6% of workers work from home (below the 15.2% national rate).
Income: Montezuma vs U.S.
Income
| Median HH Income | $63,375 |
| 16% below US avg |
| Per Capita Income | $34,527 |
| Avg Weekly Wage | $1,108 |
| IRS Avg AGI | $77,315 |
| Gini Index | 0.480 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 5.5% |
| 53% above US avg |
| Poverty Rate | 11.5% |
| 7% below US avg |
| Establishments (County) | 699 |
| County GDP | $1,654M |
Business (County)
| Restaurants | 47 |
| Healthcare | 62 |
| Retail | 80 |
| Manufacturing | 30 |
Tax & Cost of Living
| Property Tax (IRS) | $4,683 |
| 34% above US avg |
| Cost of Living | 87.80 (100=avg) |
| Effective Tax Rate | 2.97% |
Commute & Transportation
| Commute Time | 20.3 min |
| Drive Alone | 86.3% |
| Public Transit | 0.0% |
| Work from Home | 5.6% |
The median home value in Montezuma is $157,800, 44% below the national median of $281,900. Zillow estimates the typical home value at $269,357, higher than the Census estimate. Monthly rent averages $843 (28% below the national average of $1,163). Fair market rent ranges from $788 for a one-bedroom to $989 for a two-bedroom apartment. 54.1% of housing units are owner-occupied (below the 65.4% national rate). There are 666 total housing units in the city. The median year a home was built is 1974. The average annual property tax is $4,683 (higher than the $3,500 national average). 36.7% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.5x, well within the affordable range.
Home Values
| Census Median | $157,800 |
| 44% below US avg |
| Zillow ZHVI | $269,357 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $843 |
| 28% below US avg |
| Rent Burden | 36.7% |
HUD Fair Market Rent
| Studio | $738 |
| 1 Bedroom | $788 |
| 2 Bedrooms | $989 |
| 3 Bedrooms | $1,282 |
| 4 Bedrooms | $1,420 |
Ownership & Property
| Homeownership | 54.1% |
| Owner-Occupied | 54.1% |
| Renter-Occupied | 45.9% |
| Housing Units | 666 |
| Median Year Built | 1974 |
Property Tax
| Avg Tax (IRS) | $4,683 |
| 34% above US avg |
| Effective Rate | 2.97% |
In Montezuma, 42.3% of adults are obese, above the national rate of 32.1%. 9.4% have diabetes. Heart disease affects 5.5% of residents. 30.8% have high blood pressure. 17.2% are current smokers (above the 14.0% national rate). 21.9% report binge drinking. 25.1% are physically inactive. 23.4% report depression (above the 20.0% national average). 18.5% experience frequent mental distress. 7.4% of residents lack health insurance. The primary care physician ratio is 1:1,162. The dentist ratio is 1:1,679. 70.8% of residents have access to exercise opportunities. The food environment index is 8.9 out of 10.
Health Metrics: Montezuma vs U.S. Average (%)
Chronic Conditions
| Obesity | 42.3% |
| 32% above US avg |
| Diabetes | 9.4% |
| Heart Disease | 5.5% |
| High Blood Pressure | 30.8% |
| Asthma | 10.3% |
| COPD | 6.6% |
| Cancer | 7.3% |
| Stroke | 2.9% |
Behaviors & Mental Health
| Smoking | 17.2% |
| 23% above US avg |
| Binge Drinking | 21.9% |
| Physical Inactivity | 25.1% |
| Depression | 23.4% |
| Mental Distress | 18.5% |
| Physical Distress | 12.5% |
| Short Sleep | 32.8% |
Healthcare Access
| Insurance Rate | 92.9% |
| Uninsured | 7.4% |
| 14% below US avg |
| Primary Care | 1:1,162 |
| Dentists | 1:1,679 |
| Mental Health | 1:595 |
| Checkup Rate | 74.1% |
| Dental Visits | 66.8% |
| Premature Death | 6,568/100K |
Food & Exercise
| Food Environment | 8.9/10 |
| Exercise Access | 70.8% |
| Healthcare Facilities | 62 |
Montezuma has a violent crime rate of 289 per 100,000 residents, 24% below the national average of 380. Property crime stands at 2,575 per 100,000, 31% above the U.S. average. The county recorded 2 fatal traffic crashes. Overall, Montezuma receives a safety grade of F.
Crime Rates: Montezuma vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 288.6/100K |
| 24% below US avg |
| |
Property Crime
| Total Property | 2,575.2/100K |
| 31% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 2 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Montezuma experiences four distinct seasons with an average annual temperature of 48°F (9°C). Winters average 19°F in January while summers reach 73°F in July. The area gets 275 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 38.2 inches. The area receives 31.0 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 946 feet.
Temperature
19°F Jan (-7°C)
73°F Jul (23°C)
| Annual Average | 47.5°F |
| 12% below US avg |
| January Average | 19°F (-7°C) |
| July Average | 73°F (23°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 946 ft (288 m) |
| Area | 2.5 sq mi (6.4 km²) |
| Population Density | 509/sq mi |
| Coordinates | 41.5830°N, 92.5278°W |
| Timezone | America/Chicago |
| County | Poweshiek County County |
| Nearest Airport | Ottumwa Regional (OTM)
33 miles away |
Precipitation & Snow
Annual Rainfall
38.2"
0% below US avg
Wettest Month (Jun)
4.41"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 31.3 / 100 |
| Social Vulnerability | 21.4 / 100 |
| Community Resilience | 84.9 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Very Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively High |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Tornado History
617 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 17 fatalities, 413 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Mar 31, 2023 |
EF4 |
51 km |
0 |
| May 30, 1989 |
EF4 |
94 km |
0 |
| Sep 28, 1986 |
EF4 |
91 km |
0 |
| Aug 12, 1974 |
EF4 |
34 km |
0 |
| Jun 18, 1974 |
EF4 |
92 km |
2 |
| Aug 26, 1965 |
EF4 |
84 km |
1 |
| Apr 30, 1954 |
EF4 |
86 km |
0 |
| Mar 31, 2023 |
EF3 |
60 km |
0 |
| Aug 20, 2019 |
EF3 |
91 km |
0 |
| Jul 19, 2018 |
EF3 |
69 km |
0 |
| Jul 19, 2018 |
EF3 |
37 km |
0 |
| Jun 22, 2015 |
EF3 |
68 km |
0 |
| May 21, 2004 |
EF3 |
78 km |
0 |
| Apr 8, 1999 |
EF3 |
93 km |
0 |
| May 15, 1998 |
EF3 |
75 km |
0 |
| Mar 22, 1991 |
EF3 |
98 km |
0 |
| Mar 13, 1990 |
EF3 |
86 km |
0 |
| Sep 16, 1978 |
EF3 |
69 km |
6 |
| May 4, 1977 |
EF3 |
59 km |
0 |
| Nov 9, 1975 |
EF3 |
69 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
5 wildfires (100+ acres) within 100 km.
Largest: NEAL SMITH WUI 2016 1 (1,050 ac, 2016).
| Year |
Name |
Acres |
Distance |
| 2016 |
NEAL SMITH WUI 2016 1 |
1,050 |
63 km |
| 2009 |
UNNAMED |
939 |
39 km |
| 2010 |
FOLEY |
786 |
39 km |
| 2011 |
ACE AUTO |
676 |
44 km |
| 2011 |
IRCP WUI ROFAE #2 FY11 |
510 |
38 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
19°F (-7°C) |
1.0 in |
Coldest, Driest |
| February |
25°F (-4°C) |
1.0 in |
|
| March |
37°F (3°C) |
2.3 in |
|
| April |
50°F (10°C) |
3.5 in |
|
| May |
61°F (16°C) |
4.1 in |
|
| June |
70°F (21°C) |
4.4 in |
Wettest |
| July |
73°F (23°C) |
4.4 in |
Warmest |
| August |
72°F (22°C) |
4.2 in |
|
| September |
64°F (18°C) |
4.2 in |
|
| October |
52°F (11°C) |
2.7 in |
|
| November |
37°F (3°C) |
2.2 in |
|
| December |
24°F (-4°C) |
1.4 in |
|
Montezuma has a seasonal temperature swing of 53°F / from 19°F in January to 73°F in July. Total annual precipitation is 35.3 inches, with June being the wettest month (4.4") and January the driest (1.0").
Average costs for common services in Montezuma. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$220 ($132–$351) |
| Specialist Visit |
$307 ($176–$483) |
| Urgent Care Visit |
$176 ($88–$307) |
| Emergency Room Visit |
$1,932 ($702–$4,390) |
| Dental Cleaning |
$114 ($66–$176) |
| Dental Filling |
$220 ($132–$351) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$40 ($22–$66) |
| Oil Change (Synthetic) |
$66 ($44–$105) |
| Brake Pad Replacement |
$263 ($132–$439) |
| Tire Rotation |
$35 ($18–$66) |
| New Tires (Set of 4) |
$527 ($351–$878) |
| Battery Replacement |
$176 ($88–$307) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$88 ($53–$132) |
| Electrician (Per Hour) |
$79 ($44–$123) |
| HVAC Repair |
$351 ($132–$702) |
| HVAC System Install |
$6,146 ($3,512–$10,536) |
| Roof Repair |
$878 ($351–$1,756) |
| Roof Replacement |
$7,902 ($4,829–$13,170) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,317 ($439–$3,073) |
| Divorce (Contested) |
$13,170 ($4,390–$26,340) |
| DUI Defense |
$4,390 ($1,756–$8,780) |
| Bankruptcy (Chapter 7) |
$1,317 ($702–$2,634) |
| Will Preparation |
$439 ($176–$878) |
| Trust Preparation |
$2,195 ($878–$4,390) |
View all 12 services
Personal Care
| Men's Haircut |
$22 ($13–$40) |
| Women's Haircut |
$48 ($26–$88) |
| Hair Coloring (Full) |
$132 ($66–$220) |
| Manicure |
$22 ($13–$40) |
| Pedicure |
$35 ($22–$57) |
| Massage (1 Hour) |
$70 ($44–$114) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.60 ($2.63–$4.83) |
| Dozen Eggs (per dozen) |
$3.07 ($2.20–$4.39) |
| Loaf of Bread |
$3.34 ($2.20–$4.83) |
| Chicken Breast (per lb) |
$3.95 ($2.63–$5.71) |
| Ground Beef (per lb) |
$4.83 ($3.51–$6.59) |
| Rice (per lb) |
$0.88 ($0.53–$1.58) |
View all 20 services
Utilities
| Electricity (Monthly) |
$123 ($70–$220) |
| Natural Gas (Monthly) |
$61 ($26–$132) |
| Water/Sewer (Monthly) |
$61 ($35–$105) |
| Internet (Monthly) |
$61 ($35–$88) |
| Cell Phone Plan (Monthly) |
$57 ($26–$88) |
| Cable TV (Monthly) |
$75 ($44–$132) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$176 ($66–$439) |
| Car Insurance (Annual) |
$1,756 ($1,054–$3,073) |
| Bus Pass (Monthly) |
$61 ($26–$114) |
| Taxi/Uber (5-Mile Ride) |
$13 ($7.02–$22) |
| Car Registration (Annual) |
$88 ($26–$220) |
| Driver's License Renewal |
$26 ($13–$66) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,054 ($527–$2,195) |
| Daycare (Toddler, Monthly) |
$878 ($439–$1,756) |
| After-School Care (Monthly) |
$351 ($176–$615) |
| Tutoring (Per Hour) |
$44 ($22–$88) |
| SAT/ACT Prep Course |
$878 ($351–$2,195) |
| Private School (K-12, Annual) |
$10,975 ($4,390–$26,340) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$53 ($26–$88) |
| Dog Vaccination (Annual) |
$88 ($44–$176) |
| Dog Grooming |
$53 ($26–$88) |
| Pet Boarding (Per Night) |
$35 ($18–$66) |
| Dog Spay/Neuter |
$263 ($132–$439) |
| Cat Spay/Neuter |
$176 ($88–$351) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $699 |
| Toddler | $602 |
| Preschool | $602 |
| Family Childcare (monthly) |
| Infant | $472 |
| Toddler | $464 |
| Preschool | $464 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Montezuma
What is the population of Montezuma?
Montezuma has a population of 1,257 residents and is located in Iowa. The population density is 509 people per square mile, spread across 2.5 square miles. The median age of residents is 45.1 years, which is older than the national median of 38.9 years. The population is 52.7% female and 47.3% male.
Is Montezuma expensive to live in?
Montezuma is more affordable than the national average, with a cost of living index of 87.8 / below the baseline of 100. The median household income is $63,375, 16% below the national average of $75,149. The median home value is $157,800 (44% below the U.S. median). Renters pay a median of $843 per month, below the national average of $1,163. The home price-to-income ratio is 2.5x, indicating housing is reasonably affordable relative to local income levels.
Is Montezuma safe?
Montezuma is safer than the national average, with a violent crime rate of 289 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 2,575 per 100,000 (above the national average). Overall, Montezuma receives a safety grade of F based on combined crime data.
What is the weather like in Montezuma?
Montezuma has a four-season climate with an average annual temperature of 48°F (9°C). Winter temperatures average 19°F in January, while summers reach an average of 73°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 38.2 inches, with 31.0 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Montezuma?
The unemployment rate in Montezuma is 5.5%, somewhat above the national average of 3.6%. Job seekers may face moderate competition. The average weekly wage is $1,108. There are 699 business establishments in the area, including 47 restaurants and food service locations. The average commute time is 20 minutes, and 5.6% of workers work from home.
How much does housing cost in Montezuma?
The median home value in Montezuma is $157,800. Zillow estimates the typical home value at $269,357. For renters, the median monthly rent is $843. Fair market rent is $788 for a 1-bedroom and $989 for a 2-bedroom apartment. The homeownership rate is 54.1%. The average annual property tax is $4,683.
How are the schools in Montezuma?
Schools in Montezuma score 6.4 out of 10 on standardized testing, near the national average. 21.2% of adults in Montezuma hold a bachelor's degree or higher, below the national average of 33.7%. 95.6% have completed high school. 5.3% hold a graduate or professional degree.
How healthy is Montezuma?
The obesity rate in Montezuma is 42.3% (above the national rate of 32.1%). 17.2% of adults are smokers. 25.1% are physically inactive. 23.4% of residents report depression. 7.4% lack health insurance. 70.8% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,162.
What is transportation like in Montezuma?
The average commute in Montezuma is 20 minutes, shorter than the national average of 28 minutes. 86.3% of workers drive alone to work, and 5.6% work from home.
What are the demographics of Montezuma?
The racial and ethnic makeup of Montezuma is 93.6% White, 4.4% Hispanic or Latino. 99.8% of residents speak only English at home. 5.5% of the population are military veterans. 18.8% of residents have a disability. 92.9% have health insurance coverage.
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