Median Income
$44,920
40% lower than US avg
Home Value
$192,500
32% lower than US avg
Bachelor's+
29.5%
12% lower than US avg
Median Rent
$797
31% lower than US avg
Obesity Rate
37.4%
17% higher than US avg
Unemployment
0.7%
81% lower than US avg
Poverty Rate
11.3%
9% lower than US avg
How Monticello Compares to the U.S. Average (100% = U.S. avg)
People
Population2,627
Median Age46.9 yrs
Density655/mi²
Male / Female44% / 57%
Largest GroupWhite 57%
Veterans8.3%
Economy
B+
Median Income$44,920
Per Capita$31,669
Unemployment0.7%
Poverty11.3%
County GDP$441M
Commute22 min
Housing
A
Home Value$192,500
Rent$797
Ownership60.8%
Zillow$321,168
Housing Units1,346
Rent Burden40.9%
Health
Obesity37.4%
Uninsured12.5%
Smoking18.8%
Depression18.9%
Heart Disease6.6%
Climate
Avg Temp67°F (20°C)
Rain59.9 in/yr
Elevation219 ft (67 m)
Education
B
Bachelor's+29.5%
High School+85.6%
Graduate+9.3%
School Score3.96
Community
2024 VoteR 59% / D 40%
Commute22 min
Broadband70.4%
EV Stations1
Libraries1
Is Monticello a Good Place to Live?
Based on current data, Monticello receives an overall livability score of 3.7 out of 5.0, earning a grade of B+. Key strengths include low unemployment, affordable housing. Areas to be aware of include a high uninsured rate, below-average incomes. Monticello offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Monticello is $44,920, 40% below the national average of $75,149. The job market is very strong with unemployment at just 0.7%. 11.3% 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 Monticello is $192,500, 32% below the national median / offering relatively affordable homeownership. Renters pay a median of $797 per month, below the national average / a plus for affordability. A price-to-income ratio of 4.3x indicates a reasonably affordable housing market.
Education
29.5% of residents hold a bachelor's degree, below the national average of 33.7%. 85.6% have completed high school. School test scores average 4/10, below typical benchmarks.
Climate & Weather
Monticello enjoys a moderate climate with an average annual temperature of 67°F. Winters average 52°F in January while summers reach 81°F in July. Annual precipitation totals 59.9 inches.
Monticello has a population of 2,627 with a density of 655 people per square mile, spread across 4.0 square miles. The median age is 46.9 years, 21% older than the national median of 38.9. The gender split is 56.5% female and 43.5% male. The city is predominantly White (57.4%), with 41.3% Black. English is the primary language spoken at home by 97.5% of residents. 8.3% of the population are veterans, above the national rate of 6.0%. 17.0% of residents have a disability (above the 13.0% national average). 87.5% have health insurance coverage.
Population
2,627
Total Population
2023 Census
46.9yrs
Median Age
21% above US avg
Race & Ethnicity
Monticello vs U.S. Average
Language Spoken at Home
English Only
97.5%
24% above US avg
Spanish
2.5%
81% below US avg
Social Characteristics
Monticello vs U.S. Average
The median household income in Monticello is $44,920, which is 40% below the national average of $75,149. Per capita income is $31,669 (below the $39,052 national figure). The average weekly wage is $923, 36% lower than the U.S. average. The unemployment rate is 0.7% (below the 3.6% US average). 11.3% of residents live below the poverty line. The area has 388 business establishments, including 21 restaurants. The cost of living index is 103.4, roughly in line with the national average. Workers commute an average of 22 minutes (shorter than the 28-minute US average). 11.6% of workers work from home (below the 15.2% national rate).
Income: Monticello vs U.S.
Income
| Median HH Income | $44,920 |
| 40% below US avg |
| Per Capita Income | $31,669 |
| Avg Weekly Wage | $923 |
| IRS Avg AGI | $68,202 |
| Gini Index | 0.467 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.7% |
| 81% below US avg |
| Poverty Rate | 11.3% |
| 9% below US avg |
| Establishments (County) | 388 |
| County GDP | $441M |
Business (County)
| Restaurants | 21 |
| Healthcare | 19 |
| Retail | 53 |
| Manufacturing | 7 |
Tax & Cost of Living
| Property Tax (IRS) | $4,269 |
| 22% above US avg |
| Cost of Living | 103.40 (100=avg) |
| Effective Tax Rate | 2.22% |
Commute & Transportation
| Commute Time | 21.9 min |
| Drive Alone | 73.6% |
| Public Transit | 0.0% |
| Work from Home | 11.6% |
The median home value in Monticello is $192,500, 32% below the national median of $281,900. Zillow estimates the typical home value at $321,168, higher than the Census estimate. According to Redfin, the median sale price is $236,800 with homes selling in an average of 101 days. Homes sell for 99.9% of their list price. Monthly rent averages $797 (31% below the national average of $1,163). Fair market rent ranges from $1,296 for a one-bedroom to $1,526 for a two-bedroom apartment. 60.8% of housing units are owner-occupied. There are 1,346 total housing units in the city. The median year a home was built is 1978. The average annual property tax is $4,269 (higher than the $3,500 national average). 40.9% 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 4.3x.
Home Values
| Census Median | $192,500 |
| 32% below US avg |
| Zillow ZHVI | $321,168 |
| Redfin Median Sale | $236,800 |
| Median List Price | $254,000 |
Real Estate Market (Redfin)
| Median Sale Price | $236,800 |
| Median List Price | $254,000 |
| $/Sq Ft | $128 |
| Homes Sold | 2 |
| Days on Market | 101 days |
| Sale-to-List Ratio | 99.9% |
| Price Drops | 7.7% |
| Inventory | 26 |
Rental Costs
| Census Median Rent | $797 |
| 31% below US avg |
| Rent Burden | 40.9% |
HUD Fair Market Rent
| Studio | $1,212 |
| 1 Bedroom | $1,296 |
| 2 Bedrooms | $1,526 |
| 3 Bedrooms | $1,971 |
| 4 Bedrooms | $2,261 |
Ownership & Property
| Homeownership | 60.8% |
| Owner-Occupied | 60.8% |
| Renter-Occupied | 39.2% |
| Housing Units | 1,346 |
| Median Year Built | 1978 |
Property Tax
| Avg Tax (IRS) | $4,269 |
| 22% above US avg |
| Effective Rate | 2.22% |
In Monticello, 37.4% of adults are obese, above the national rate of 32.1%. 13.6% have diabetes (above the 10.5% national rate). Heart disease affects 6.6% of residents. 40.8% have high blood pressure. 18.8% are current smokers (above the 14.0% national rate). 14.7% report binge drinking. 28.6% are physically inactive. 18.9% report depression. 20.7% experience frequent mental distress. 12.5% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:3,639. The dentist ratio is 1:3,760. 48.2% of residents have access to exercise opportunities. The food environment index is 7.8 out of 10.
Health Metrics: Monticello vs U.S. Average (%)
Chronic Conditions
| Obesity | 37.4% |
| 17% above US avg |
| Diabetes | 13.6% |
| Heart Disease | 6.6% |
| High Blood Pressure | 40.8% |
| Asthma | 11.7% |
| COPD | 8.6% |
| Cancer | 6.6% |
| Stroke | 4.3% |
Behaviors & Mental Health
| Smoking | 18.8% |
| 34% above US avg |
| Binge Drinking | 14.7% |
| Physical Inactivity | 28.6% |
| Depression | 18.9% |
| Mental Distress | 20.7% |
| Physical Distress | 15.9% |
| Short Sleep | 42.1% |
Healthcare Access
| Insurance Rate | 87.5% |
| Uninsured | 12.5% |
| 45% above US avg |
| Primary Care | 1:3,639 |
| Dentists | 1:3,760 |
| Mental Health | 1:1,288 |
| Checkup Rate | 77.4% |
| Dental Visits | 47.6% |
| Premature Death | 10,233/100K |
Food & Exercise
| Food Environment | 7.8/10 |
| Exercise Access | 48.2% |
| Healthcare Facilities | 19 |
Monticello enjoys a temperate climate with an average annual temperature of 67°F (20°C). Winters average 52°F in January while summers reach 81°F in July. Annual precipitation totals 59.9 inches (wetter than the 38-inch national average). The city sits at an elevation of 219 feet.
Temperature
52°F Jan (11°C)
81°F Jul (27°C)
| Annual Average | 67.2°F |
| 24% above US avg |
| January Average | 52°F (11°C) |
| July Average | 81°F (27°C) |
Geography
| Elevation | 219 ft (67 m) |
| Area | 4.0 sq mi (10.3 km²) |
| Population Density | 655/sq mi |
| Coordinates | 30.5422°N, 83.8722°W |
| Timezone | America/New_York |
| County | Jefferson County County |
| Nearest Airport | Thomasville Regional (TVI)
25 miles away |
Precipitation & Snow
Annual Rainfall
59.9"
58% above US avg
Wettest Month (Jun)
7.62"
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 39.0 / 100 |
| Social Vulnerability | 97.9 / 100 |
| Community Resilience | 32.2 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Relatively Moderate |
| Earthquake |
Very Low |
| Wildfire |
Relatively Low |
| Flood |
Very Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Relatively Low |
| Winter Weather |
Very Low |
| Lightning |
Relatively Low |
| Drought |
Very Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
| Coastal Flood |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Hurricane History
13 hurricanes (Cat 1+) within 500 km since 1980.
Strongest: Category 5. Most recent: Helene (2024, Cat 4).
| Year |
Name |
Category |
Closest |
| 2024 |
Helene |
Category 4 |
46 km |
| 2024 |
Debby |
Category 1 |
85 km |
| 2023 |
Idalia |
Category 4 |
70 km |
| 2018 |
Michael |
Category 5 |
111 km |
| 2016 |
Hermine |
Category 1 |
30 km |
| 2005 |
Dennis |
Category 4 |
300 km |
| 2004 |
Charley |
Category 1 |
299 km |
| 2000 |
Gordon |
Category 1 |
283 km |
| 1998 |
Earl |
Category 1 |
182 km |
| 1995 |
Erin |
Category 2 |
210 km |
| 1995 |
Opal |
Category 1 |
284 km |
| 1985 |
Elena |
Category 3 |
194 km |
| 1985 |
Kate |
Category 3 |
58 km |
Source: NOAA IBTrACS (Cat 1+, 1980-2026)
Tornado History
401 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 48 fatalities, 628 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Mar 3, 2019 |
EF3 |
25 km |
0 |
| Jan 22, 2017 |
EF3 |
58 km |
11 |
| Mar 3, 2012 |
EF3 |
79 km |
0 |
| Feb 19, 2009 |
EF3 |
32 km |
0 |
| Mar 20, 2003 |
EF3 |
80 km |
6 |
| Feb 13, 2000 |
EF3 |
62 km |
7 |
| Feb 13, 2000 |
EF3 |
80 km |
11 |
| Apr 19, 1988 |
EF3 |
45 km |
4 |
| Feb 27, 1984 |
EF3 |
87 km |
0 |
| Dec 28, 1968 |
EF3 |
76 km |
0 |
| Nov 11, 1968 |
EF3 |
90 km |
0 |
| May 10, 2024 |
EF2 |
60 km |
2 |
| May 10, 2024 |
EF2 |
75 km |
0 |
| Feb 4, 2024 |
EF2 |
69 km |
0 |
| Apr 27, 2023 |
EF2 |
92 km |
0 |
| Jan 22, 2023 |
EF2 |
79 km |
0 |
| Dec 15, 2022 |
EF2 |
85 km |
0 |
| Apr 20, 2020 |
EF2 |
98 km |
0 |
| Mar 3, 2019 |
EF2 |
50 km |
0 |
| Jan 22, 2017 |
EF2 |
41 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: EAST FORK (26,251 ac, 2004).
| Year |
Name |
Acres |
Distance |
| 2004 |
EAST FORK |
26,251 |
78 km |
| 1985 |
UNNAMED |
25,845 |
54 km |
| 2021 |
BU 360 361 362 363 |
24,747 |
78 km |
| 1998 |
HOLIDAY |
24,666 |
78 km |
| 2013 |
UNNAMED |
24,574 |
78 km |
| 2008 |
UNNAMED |
18,704 |
82 km |
| 2006 |
UNNAMED |
11,747 |
63 km |
| 2010 |
UNNAMED |
10,261 |
70 km |
| 2009 |
UNNAMED |
10,098 |
29 km |
| 2008 |
GUM BAY |
9,965 |
96 km |
| 2006 |
UNNAMED |
9,352 |
72 km |
| 2007 |
UNNAMED |
9,252 |
72 km |
| 2008 |
UNNAMED |
9,117 |
27 km |
| 1999 |
COW HOUSE |
8,301 |
64 km |
| 2007 |
UNNAMED |
8,190 |
43 km |
| 2024 |
ANF BU 89 RX 0423 |
8,133 |
95 km |
| 2009 |
UNNAMED |
8,108 |
73 km |
| 2021 |
BU 305/306 |
7,904 |
69 km |
| 2018 |
UNNAMED |
7,893 |
78 km |
| 2020 |
BU 315/316/318 |
7,892 |
63 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
52°F (11°C) |
4.8 in |
Coldest |
| February |
55°F (13°C) |
4.0 in |
|
| March |
61°F (16°C) |
5.3 in |
|
| April |
67°F (19°C) |
4.1 in |
|
| May |
73°F (23°C) |
3.8 in |
|
| June |
79°F (26°C) |
7.6 in |
Wettest |
| July |
81°F (27°C) |
7.5 in |
Warmest |
| August |
81°F (27°C) |
7.5 in |
|
| September |
77°F (25°C) |
5.5 in |
|
| October |
69°F (20°C) |
3.3 in |
|
| November |
59°F (15°C) |
2.8 in |
Driest |
| December |
54°F (12°C) |
3.7 in |
|
Monticello has a seasonal temperature swing of 29°F / from 52°F in January to 81°F in July. Total annual precipitation is 59.9 inches, with June being the wettest month (7.6") and November the driest (2.8").
Average costs for common services in Monticello. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$259 ($155-$414) |
| Specialist Visit |
$362 ($207-$569) |
| Urgent Care Visit |
$207 ($103-$362) |
| Emergency Room Visit |
$2,275 ($827-$5,170) |
| Dental Cleaning |
$134 ($78-$207) |
| Dental Filling |
$259 ($155-$414) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$47 ($26-$78) |
| Oil Change (Synthetic) |
$78 ($52-$124) |
| Brake Pad Replacement |
$310 ($155-$517) |
| Tire Rotation |
$41 ($21-$78) |
| New Tires (Set of 4) |
$620 ($414-$1,034) |
| Battery Replacement |
$207 ($103-$362) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$103 ($62-$155) |
| Electrician (Per Hour) |
$93 ($52-$145) |
| HVAC Repair |
$414 ($155-$827) |
| HVAC System Install |
$7,238 ($4,136-$12,408) |
| Roof Repair |
$1,034 ($414-$2,068) |
| Roof Replacement |
$9,306 ($5,687-$15,510) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,551 ($517-$3,619) |
| Divorce (Contested) |
$15,510 ($5,170-$31,020) |
| DUI Defense |
$5,170 ($2,068-$10,340) |
| Bankruptcy (Chapter 7) |
$1,551 ($827-$3,102) |
| Will Preparation |
$517 ($207-$1,034) |
| Trust Preparation |
$2,585 ($1,034-$5,170) |
View all 12 services
Personal Care
| Men's Haircut |
$26 ($16-$47) |
| Women's Haircut |
$57 ($31-$103) |
| Hair Coloring (Full) |
$155 ($78-$259) |
| Manicure |
$26 ($16-$47) |
| Pedicure |
$41 ($26-$67) |
| Massage (1 Hour) |
$83 ($52-$134) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.24 ($3.10-$5.69) |
| Dozen Eggs (per dozen) |
$3.62 ($2.59-$5.17) |
| Loaf of Bread |
$3.93 ($2.59-$5.69) |
| Chicken Breast (per lb) |
$4.65 ($3.10-$6.72) |
| Ground Beef (per lb) |
$5.69 ($4.14-$7.76) |
| Rice (per lb) |
$1.03 ($0.62-$1.86) |
View all 20 services
Utilities
| Electricity (Monthly) |
$145 ($83-$259) |
| Natural Gas (Monthly) |
$72 ($31-$155) |
| Water/Sewer (Monthly) |
$72 ($41-$124) |
| Internet (Monthly) |
$72 ($41-$103) |
| Cell Phone Plan (Monthly) |
$67 ($31-$103) |
| Cable TV (Monthly) |
$88 ($52-$155) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$207 ($78-$517) |
| Car Insurance (Annual) |
$2,068 ($1,241-$3,619) |
| Bus Pass (Monthly) |
$72 ($31-$134) |
| Taxi/Uber (5-Mile Ride) |
$16 ($8.27-$26) |
| Car Registration (Annual) |
$103 ($31-$259) |
| Driver's License Renewal |
$31 ($16-$78) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,241 ($620-$2,585) |
| Daycare (Toddler, Monthly) |
$1,034 ($517-$2,068) |
| After-School Care (Monthly) |
$414 ($207-$724) |
| Tutoring (Per Hour) |
$52 ($26-$103) |
| SAT/ACT Prep Course |
$1,034 ($414-$2,585) |
| Private School (K-12, Annual) |
$12,925 ($5,170-$31,020) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$62 ($31-$103) |
| Dog Vaccination (Annual) |
$103 ($52-$207) |
| Dog Grooming |
$62 ($31-$103) |
| Pet Boarding (Per Night) |
$41 ($21-$78) |
| Dog Spay/Neuter |
$310 ($155-$517) |
| Cat Spay/Neuter |
$207 ($103-$414) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $650 |
| Toddler | $606 |
| Preschool | $526 |
| Family Childcare (monthly) |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Monticello
What is the population of Monticello?
Monticello has a population of 2,627 residents and is located in Florida. The population density is 655 people per square mile, spread across 4.0 square miles. The median age of residents is 46.9 years, which is older than the national median of 38.9 years. The population is 56.5% female and 43.5% male.
Is Monticello expensive to live in?
Monticello has a cost of living roughly in line with the national average, with an index of 103.4 (baseline: 100). The median household income is $44,920, 40% below the national average of $75,149. The median home value is $192,500 (32% below the U.S. median). Renters pay a median of $797 per month, below the national average of $1,163. The home price-to-income ratio is 4.3x, indicating housing is reasonably affordable relative to local income levels.
What is the weather like in Monticello?
Monticello enjoys a temperate climate with an average annual temperature of 67°F (20°C). Winter temperatures average 52°F in January, while summers reach an average of 81°F in July. Annual rainfall totals 59.9 inches.
How is the job market in Monticello?
The job market in Monticello is very strong, with unemployment at just 0.7% / well below the national rate of 3.6%. The average weekly wage is $923. There are 388 business establishments in the area, including 21 restaurants and food service locations. The average commute time is 22 minutes, and 11.6% of workers work from home.
How much does housing cost in Monticello?
The median home value in Monticello is $192,500. Zillow estimates the typical home value at $321,168. According to Redfin, the median sale price is $236,800, with homes typically selling within 101 days. For renters, the median monthly rent is $797. Fair market rent is $1,296 for a 1-bedroom and $1,526 for a 2-bedroom apartment. The homeownership rate is 60.8%. The average annual property tax is $4,269.
How are the schools in Monticello?
Schools in Monticello have an average test score of 4 out of 10, below typical national benchmarks. Families may want to research individual school ratings. 29.5% of adults in Monticello hold a bachelor's degree or higher, below the national average of 33.7%. 85.6% have completed high school. 9.3% hold a graduate or professional degree.
How healthy is Monticello?
The obesity rate in Monticello is 37.4% (above the national rate of 32.1%). 18.8% of adults are smokers. 28.6% are physically inactive. 18.9% of residents report depression. 12.5% lack health insurance (above the national rate). 48.2% of residents have access to exercise opportunities. The primary care physician ratio is 1:3,639.
What is transportation like in Monticello?
The average commute in Monticello is 22 minutes, shorter than the national average of 28 minutes. 73.6% of workers drive alone to work, and 11.6% work from home.
What are the demographics of Monticello?
The racial and ethnic makeup of Monticello is 57.4% White, 41.3% Black or African American, 0.7% Hispanic or Latino. 97.5% of residents speak only English at home. 8.3% of the population are military veterans. 17.0% of residents have a disability. 87.5% have health insurance coverage.