Median Income
$43,750
42% lower than US avg
Home Value
$65,300
77% lower than US avg
Violent Crime
336/100K
12% lower than US avg
Bachelor's+
6.6%
80% lower than US avg
Median Rent
$925
20% lower than US avg
Obesity Rate
42.9%
34% higher than US avg
Unemployment
1.4%
61% lower than US avg
Poverty Rate
13.0%
5% higher than US avg
How Montezuma Compares to the U.S. Average (100% = U.S. avg)
People
Population900
Median Age38.9 yrs
Density1,475/mi²
Male / Female48% / 52%
Largest GroupWhite 84%
Veterans9.0%
Economy
B+
Median Income$43,750
Per Capita$26,754
Unemployment1.4%
Poverty13.0%
County GDP$1,134M
Commute22 min
Housing
A+
Home Value$65,300
Rent$925
Ownership72.0%
Zillow$122,292
Housing Units448
Rent Burden42.7%
Crime
F
Violent336/100K
Property2,122/100K
Health
Obesity42.9%
Uninsured10.9%
Smoking22.1%
Depression28.2%
Heart Disease7.2%
Climate
Avg Temp52°F (11°C)
AQI41 (Good)
Rain47.4 in/yr
Sunny Days293/yr
Elevation516 ft (157 m)
Education
D
Bachelor's+6.6%
High School+82.0%
Graduate+2.1%
School Score5.48
Community
2024 VoteR 71% / D 27%
Commute22 min
Broadband76.5%
EV Stations2
Libraries2
Is Montezuma a Good Place to Live?
Based on current data, Montezuma receives an overall livability score of 2.8 out of 5.0, earning a grade of C+. Key strengths include low unemployment, affordable housing, abundant sunshine. Areas to be aware of include below-average incomes, high obesity rates. Montezuma has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Montezuma is $43,750, 42% below the national average of $75,149. The job market is very strong with unemployment at just 1.4%. 13.0% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 22 minutes.
Cost of Living & Housing
The median home value in Montezuma is $65,300, 77% below the national median / offering relatively affordable homeownership. Renters pay a median of $925 per month, below the national average / a plus for affordability. At just 1.5x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Montezuma is below the national average at 336 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 2,122 per 100,000, near the national average.
Education
6.6% of residents hold a bachelor's degree, below the national average of 33.7%. 82.0% have completed high school. Area schools have an average test score of 5.5/10.
Climate & Weather
Montezuma experiences four distinct seasons with an average temperature of 52°F. Winters average 27°F in January while summers reach 74°F in July. With 293 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 47.4 inches, including 13.0 inches of snow. Air quality is rated Good with a median AQI of 41.
Montezuma has a population of 900 with a density of 1,475 people per square mile, spread across 0.6 square miles. The median age is 38.9 years, 0% younger than the national median of 38.9. The gender split is 51.9% female and 48.1% male. The city is predominantly White (83.7%), with 2.2% Black. English is the primary language spoken at home by 95.6% of residents. 9.0% of the population are veterans, above the national rate of 6.0%. 21.6% of residents have a disability (above the 13.0% national average). 88.8% have health insurance coverage.
Population
38.9yrs
Median Age
0% below US avg
Race & Ethnicity
Montezuma vs U.S. Average
Language Spoken at Home
English Only
95.6%
22% above US avg
Spanish
4.4%
67% below US avg
Social Characteristics
Montezuma vs U.S. Average
The median household income in Montezuma is $43,750, which is 42% below the national average of $75,149. Per capita income is $26,754 (below the $39,052 national figure). The average weekly wage is $1,124, 22% lower than the U.S. average. The unemployment rate is 1.4% (below the 3.6% US average). 13.0% of residents live below the poverty line. The area has 294 business establishments, including 28 restaurants. The cost of living index is 93.3, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 22 minutes (shorter than the 28-minute US average). 3.4% of workers work from home (below the 15.2% national rate).
Income: Montezuma vs U.S.
Income
| Median HH Income | $43,750 |
| 42% below US avg |
| Per Capita Income | $26,754 |
| Avg Weekly Wage | $1,124 |
| IRS Avg AGI | $59,038 |
| Gini Index | 0.412 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.4% |
| 61% below US avg |
| Poverty Rate | 13.0% |
| 5% above US avg |
| Establishments (County) | 294 |
| County GDP | $1,134M |
Business (County)
| Restaurants | 28 |
| Healthcare | 24 |
| Retail | 47 |
| Manufacturing | 13 |
Tax & Cost of Living
| Property Tax (IRS) | $2,750 |
| 21% below US avg |
| Cost of Living | 93.30 (100=avg) |
| Effective Tax Rate | 4.21% |
Commute & Transportation
| Commute Time | 22.2 min |
| Drive Alone | 81.7% |
| Public Transit | 0.0% |
| Work from Home | 3.4% |
The median home value in Montezuma is $65,300, 77% below the national median of $281,900. Zillow estimates the typical home value at $122,292, higher than the Census estimate. Homes sell for 92.4% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $925 (20% below the national average of $1,163). Fair market rent ranges from $882 for a one-bedroom to $1,096 for a two-bedroom apartment. 72.0% of housing units are owner-occupied. There are 448 total housing units in the city. The median year a home was built is 1949. The average annual property tax is $2,750 (lower than the $3,500 national average). 42.7% of renters spend 30% or more of their income on housing, indicating a significant affordability challenge for renters. The home price-to-income ratio is 1.5x, well within the affordable range.
Home Values
| Census Median | $65,300 |
| 77% below US avg |
| Zillow ZHVI | $122,292 |
| Median List Price | $119,900 |
Real Estate Market (Redfin)
| Median List Price | $119,900 |
| $/Sq Ft | $82 |
| Homes Sold | 1 |
| Sale-to-List Ratio | 92.4% |
| Price Drops | 0.0% |
| Inventory | 3 |
Rental Costs
| Census Median Rent | $925 |
| 20% below US avg |
| Rent Burden | 42.7% |
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $882 |
| 2 Bedrooms | $1,096 |
| 3 Bedrooms | $1,391 |
| 4 Bedrooms | $1,590 |
Ownership & Property
| Homeownership | 72.0% |
| Owner-Occupied | 72.0% |
| Renter-Occupied | 28.0% |
| Housing Units | 448 |
| Median Year Built | 1949 |
Property Tax
| Avg Tax (IRS) | $2,750 |
| 21% below US avg |
| Effective Rate | 4.21% |
In Montezuma, 42.9% of adults are obese, above the national rate of 32.1%. 12.7% have diabetes (above the 10.5% national rate). Heart disease affects 7.2% of residents, above the national average. 37.1% have high blood pressure. 22.1% are current smokers (above the 14.0% national rate). 17.6% report binge drinking. 29.7% are physically inactive, above the national average. 28.2% report depression (above the 20.0% national average). 21.1% experience frequent mental distress. 10.9% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:1,705. The dentist ratio is 1:2,207. 55.6% of residents have access to exercise opportunities. The food environment index is 7.8 out of 10.
Health Metrics: Montezuma vs U.S. Average (%)
Chronic Conditions
| Obesity | 42.9% |
| 34% above US avg |
| Diabetes | 12.7% |
| Heart Disease | 7.2% |
| High Blood Pressure | 37.1% |
| Asthma | 12.1% |
| COPD | 10.0% |
| Cancer | 7.4% |
| Stroke | 3.7% |
Behaviors & Mental Health
| Smoking | 22.1% |
| 58% above US avg |
| Binge Drinking | 17.6% |
| Physical Inactivity | 29.7% |
| Depression | 28.2% |
| Mental Distress | 21.1% |
| Physical Distress | 16.1% |
| Short Sleep | 38.6% |
Healthcare Access
| Insurance Rate | 88.8% |
| Uninsured | 10.9% |
| 27% above US avg |
| Primary Care | 1:1,705 |
| Dentists | 1:2,207 |
| Mental Health | 1:734 |
| Checkup Rate | 76.8% |
| Dental Visits | 57.4% |
| Premature Death | 10,157/100K |
Food & Exercise
| Food Environment | 7.8/10 |
| Exercise Access | 55.6% |
| Healthcare Facilities | 24 |
Montezuma has a violent crime rate of 336 per 100,000 residents, 12% below the national average of 380. Property crime stands at 2,122 per 100,000, 8% above the U.S. average. The county recorded 3 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 | 336.2/100K |
| 12% below US avg |
| |
Property Crime
| Total Property | 2,122.3/100K |
| 8% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 3 |
| Traffic Accidents | 2 |
| Avg Accident Severity | 3.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Montezuma experiences four distinct seasons with an average annual temperature of 52°F (11°C). Winters average 27°F in January while summers reach 74°F in July. The area gets 293 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 47.4 inches (wetter than the 38-inch national average). The area receives 13.0 inches of snow annually. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 516 feet.
Temperature
27°F Jan (-3°C)
74°F Jul (23°C)
| Annual Average | 52.0°F |
| 4% below US avg |
| January Average | 27°F (-3°C) |
| July Average | 74°F (23°C) |
| Sunny Days | 293 days/yr |
Geography
| Elevation | 516 ft (157 m) |
| Area | 0.6 sq mi (1.6 km²) |
| Population Density | 1,475/sq mi |
| Coordinates | 39.7910°N, 87.3694°W |
| Timezone | America/Indiana/Indianapolis |
| County | Vermillion County County |
| Nearest Airport | Terre Haute Regional (HUF)
24 miles away |
Precipitation & Snow
Annual Rainfall
47.4"
25% above US avg
Wettest Month (Jul)
4.53"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 23.4 / 100 |
| Social Vulnerability | 49.7 / 100 |
| Community Resilience | 74.2 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Very Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
14 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.8. Most recent: M3.3 on May 13, 2025.
| Jun 17, 2021 |
Illinois-Indiana border region |
M3.8 |
8 km |
| Nov 11, 1991 |
3 km W of Flat Rock, Illinois |
M3.8 |
103 km |
| Sep 12, 2004 |
4 km NW of Manilla, Indiana |
M3.8 |
148 km |
| Dec 20, 1990 |
5 km S of Stilesville, Indiana |
M3.7 |
67 km |
| Apr 14, 2000 |
4 km NW of Heritage Lake, Indiana |
M3.6 |
53 km |
| May 13, 2025 |
7 km SSW of Lerna, Illinois |
M3.3 |
95 km |
| Dec 17, 1990 |
Illinois-Indiana border region |
M3.2 |
42 km |
| May 10, 2012 |
0 km NW of Emison, Indiana |
M3.1 |
110 km |
| Dec 16, 1996 |
3 km NNE of Terre Haute, Indiana |
M3.1 |
33 km |
| Apr 24, 1990 |
5 km SW of Newton, Illinois |
M2.9 |
117 km |
| Sep 10, 2023 |
9 km E of Parkersburg, Illinois |
M2.7 |
142 km |
| Apr 16, 1991 |
4 km E of Parkersburg, Illinois |
M2.7 |
144 km |
| May 10, 2012 |
1 km NNW of Emison, Indiana |
M2.7 |
109 km |
| Jun 16, 2022 |
4 km ESE of Parkersburg, Illinois |
M2.5 |
146 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
580 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 61 fatalities, 1,024 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 26, 1994 |
EF4 |
85 km |
3 |
| Mar 20, 1976 |
EF4 |
82 km |
0 |
| Apr 3, 1974 |
EF4 |
81 km |
18 |
| Apr 11, 1965 |
EF4 |
50 km |
28 |
| Apr 11, 1965 |
EF4 |
76 km |
0 |
| Mar 31, 2023 |
EF3 |
78 km |
2 |
| Nov 17, 2013 |
EF3 |
82 km |
0 |
| Nov 17, 2013 |
EF3 |
77 km |
0 |
| Nov 17, 2013 |
EF3 |
84 km |
0 |
| Sep 20, 2002 |
EF3 |
90 km |
0 |
| Apr 19, 1996 |
EF3 |
81 km |
0 |
| Apr 19, 1996 |
EF3 |
62 km |
1 |
| Nov 22, 1992 |
EF3 |
86 km |
0 |
| Nov 22, 1992 |
EF3 |
85 km |
0 |
| Nov 22, 1992 |
EF3 |
41 km |
0 |
| Mar 10, 1986 |
EF3 |
87 km |
0 |
| Jun 2, 1980 |
EF3 |
41 km |
1 |
| Jun 25, 1978 |
EF3 |
94 km |
0 |
| Jun 25, 1978 |
EF3 |
79 km |
0 |
| Aug 10, 1974 |
EF3 |
74 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
27°F (-3°C) |
2.1 in |
Coldest, Driest |
| February |
30°F (-1°C) |
2.1 in |
|
| March |
41°F (5°C) |
3.4 in |
|
| April |
52°F (11°C) |
4.0 in |
|
| May |
63°F (17°C) |
4.4 in |
|
| June |
72°F (22°C) |
4.1 in |
|
| July |
74°F (23°C) |
4.5 in |
Warmest, Wettest |
| August |
73°F (23°C) |
4.0 in |
|
| September |
67°F (19°C) |
3.2 in |
|
| October |
55°F (13°C) |
2.8 in |
|
| November |
43°F (6°C) |
3.7 in |
|
| December |
31°F (-0°C) |
3.0 in |
|
Montezuma has a seasonal temperature swing of 47°F / from 27°F in January to 74°F in July. Total annual precipitation is 41.4 inches, with July being the wettest month (4.5") and January the driest (2.1").
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) |
$233 ($140–$373) |
| Specialist Visit |
$327 ($187–$513) |
| Urgent Care Visit |
$187 ($93–$327) |
| Emergency Room Visit |
$2,053 ($746–$4,665) |
| Dental Cleaning |
$121 ($70–$187) |
| Dental Filling |
$233 ($140–$373) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($23–$70) |
| Oil Change (Synthetic) |
$70 ($47–$112) |
| Brake Pad Replacement |
$280 ($140–$467) |
| Tire Rotation |
$37 ($19–$70) |
| New Tires (Set of 4) |
$560 ($373–$933) |
| Battery Replacement |
$187 ($93–$327) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$93 ($56–$140) |
| Electrician (Per Hour) |
$84 ($47–$131) |
| HVAC Repair |
$373 ($140–$746) |
| HVAC System Install |
$6,531 ($3,732–$11,196) |
| Roof Repair |
$933 ($373–$1,866) |
| Roof Replacement |
$8,397 ($5,132–$13,995) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,400 ($467–$3,266) |
| Divorce (Contested) |
$13,995 ($4,665–$27,990) |
| DUI Defense |
$4,665 ($1,866–$9,330) |
| Bankruptcy (Chapter 7) |
$1,400 ($746–$2,799) |
| Will Preparation |
$467 ($187–$933) |
| Trust Preparation |
$2,333 ($933–$4,665) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$42) |
| Women's Haircut |
$51 ($28–$93) |
| Hair Coloring (Full) |
$140 ($70–$233) |
| Manicure |
$23 ($14–$42) |
| Pedicure |
$37 ($23–$61) |
| Massage (1 Hour) |
$75 ($47–$121) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.83 ($2.80–$5.13) |
| Dozen Eggs (per dozen) |
$3.27 ($2.33–$4.67) |
| Loaf of Bread |
$3.55 ($2.33–$5.13) |
| Chicken Breast (per lb) |
$4.20 ($2.80–$6.06) |
| Ground Beef (per lb) |
$5.13 ($3.73–$7.00) |
| Rice (per lb) |
$0.93 ($0.56–$1.68) |
View all 20 services
Utilities
| Electricity (Monthly) |
$131 ($75–$233) |
| Natural Gas (Monthly) |
$65 ($28–$140) |
| Water/Sewer (Monthly) |
$65 ($37–$112) |
| Internet (Monthly) |
$65 ($37–$93) |
| Cell Phone Plan (Monthly) |
$61 ($28–$93) |
| Cable TV (Monthly) |
$79 ($47–$140) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$187 ($70–$467) |
| Car Insurance (Annual) |
$1,866 ($1,120–$3,266) |
| Bus Pass (Monthly) |
$65 ($28–$121) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.46–$23) |
| Car Registration (Annual) |
$93 ($28–$233) |
| Driver's License Renewal |
$28 ($14–$70) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,120 ($560–$2,333) |
| Daycare (Toddler, Monthly) |
$933 ($467–$1,866) |
| After-School Care (Monthly) |
$373 ($187–$653) |
| Tutoring (Per Hour) |
$47 ($23–$93) |
| SAT/ACT Prep Course |
$933 ($373–$2,333) |
| Private School (K-12, Annual) |
$11,663 ($4,665–$27,990) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28–$93) |
| Dog Vaccination (Annual) |
$93 ($47–$187) |
| Dog Grooming |
$56 ($28–$93) |
| Pet Boarding (Per Night) |
$37 ($19–$70) |
| Dog Spay/Neuter |
$280 ($140–$467) |
| Cat Spay/Neuter |
$187 ($93–$373) |
View all 9 services
Frequently Asked Questions About Montezuma
What is the population of Montezuma?
Montezuma has a population of 900 residents and is located in Indiana. The population density is 1,475 people per square mile, spread across 0.6 square miles. The median age of residents is 38.9 years. The population is 51.9% female and 48.1% male.
Is Montezuma expensive to live in?
Montezuma is more affordable than the national average, with a cost of living index of 93.3 / below the baseline of 100. The median household income is $43,750, 42% below the national average of $75,149. The median home value is $65,300 (77% below the U.S. median). Renters pay a median of $925 per month, below the national average of $1,163. The home price-to-income ratio is 1.5x, 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 336 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 2,122 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 52°F (11°C). Winter temperatures average 27°F in January, while summers reach an average of 74°F in July. The area receives 293 sunny days per year, well above the national average of 205. Annual rainfall totals 47.4 inches, with 13.0 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Montezuma?
The job market in Montezuma is very strong, with unemployment at just 1.4% / well below the national rate of 3.6%. The average weekly wage is $1,124. There are 294 business establishments in the area, including 28 restaurants and food service locations. The average commute time is 22 minutes, and 3.4% of workers work from home.
How much does housing cost in Montezuma?
The median home value in Montezuma is $65,300. Zillow estimates the typical home value at $122,292. For renters, the median monthly rent is $925. Fair market rent is $882 for a 1-bedroom and $1,096 for a 2-bedroom apartment. The homeownership rate is 72.0%. The average annual property tax is $2,750.
How are the schools in Montezuma?
Schools in Montezuma score 5.5 out of 10 on standardized testing, near the national average. 6.6% of adults in Montezuma hold a bachelor's degree or higher, below the national average of 33.7%. 82.0% have completed high school. 2.1% hold a graduate or professional degree.
How healthy is Montezuma?
The obesity rate in Montezuma is 42.9% (above the national rate of 32.1%). 22.1% of adults are smokers. 29.7% are physically inactive. 28.2% of residents report depression. 10.9% lack health insurance (above the national rate). 55.6% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,705.
What is transportation like in Montezuma?
The average commute in Montezuma is 22 minutes, shorter than the national average of 28 minutes. 81.7% of workers drive alone to work, and 3.4% work from home.
What are the demographics of Montezuma?
The racial and ethnic makeup of Montezuma is 83.7% White, 2.2% Black or African American, 1% Hispanic or Latino. 95.6% of residents speak only English at home, while 4.4% speak Spanish. 9.0% of the population are military veterans. 21.6% of residents have a disability. 88.8% have health insurance coverage.
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