Median Income
$67,788
10% lower than US avg
Home Value
$160,500
43% lower than US avg
Violent Crime
154/100K
59% lower than US avg
Bachelor's+
19.4%
42% lower than US avg
Median Rent
$659
43% lower than US avg
Obesity Rate
38.3%
19% higher than US avg
Unemployment
0.3%
92% lower than US avg
Poverty Rate
2.1%
83% lower than US avg
How Monticello Compares to the U.S. Average (100% = U.S. avg)
People
Population4,055
Median Age42.1 yrs
Density720/mi²
Male / Female51% / 49%
Largest GroupWhite 91%
Veterans6.8%
Economy
A
Median Income$67,788
Per Capita$37,935
Unemployment0.3%
Poverty2.1%
County GDP$858M
Commute19 min
Housing
A+
Home Value$160,500
Rent$659
Ownership71.0%
Zillow$223,746
Housing Units1,980
Rent Burden23.7%
Crime
F
Violent154/100K
Property1,308/100K
Murder0.0/100K
Assault51/100K
Burglary282/100K
Health
Obesity38.3%
Uninsured7.1%
Smoking15.3%
Depression21.3%
Heart Disease5.1%
Climate
Avg Temp47°F (8°C)
AQI43 (Good)
Rain40.2 in/yr
Sunny Days246/yr
Elevation837 ft (255 m)
Education
C+
Bachelor's+19.4%
High School+93.5%
Graduate+9.9%
School Score5.59
Community
2024 VoteR 62% / D 36%
Commute19 min
Broadband83.3%
EV Stations2
Libraries7
Is Monticello a Good Place to Live?
Based on current data, Monticello receives an overall livability score of 3.2 out of 5.0, earning a grade of B. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. 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 $67,788, 10% below the national average of $75,149. The job market is very strong with unemployment at just 0.3%. Only 2.1% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 19 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Monticello is $160,500, 43% below the national median / offering relatively affordable homeownership. Renters pay a median of $659 per month, below the national average / a plus for affordability. At just 2.4x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Monticello is below the national average at 154 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 1,308 per 100,000, 33% below the national average.
Education
19.4% of residents hold a bachelor's degree, below the national average of 33.7%. 93.5% have completed high school. Area schools have an average test score of 5.6/10.
Climate & Weather
Monticello experiences four distinct seasons with an average temperature of 47°F. Winters average 18°F in January while summers reach 72°F in July. The area gets 246 sunny days per year. Annual precipitation totals 40.2 inches. Air quality is rated Good with a median AQI of 43.
Monticello has a population of 4,055 with a density of 720 people per square mile, spread across 6.3 square miles. The median age is 42.1 years, 8% older than the national median of 38.9. The gender split is 49.4% female and 50.6% male. The city is predominantly White (91%), with 2.2% Hispanic, 1.6% Black. English is the primary language spoken at home by 98.2% of residents. 6.8% of the population are veterans. 15.1% of residents have a disability. 96.1% have health insurance coverage.
Population
42.1yrs
Median Age
8% above US avg
Race & Ethnicity
Monticello vs U.S. Average
Language Spoken at Home
English Only
98.2%
25% above US avg
Spanish
1.8%
87% below US avg
Social Characteristics
Monticello vs U.S. Average
The median household income in Monticello is $67,788, which is 10% below the national average of $75,149. Per capita income is $37,935. The average weekly wage is $963, 33% lower than the U.S. average. The unemployment rate is 0.3% (below the 3.6% US average). 2.1% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 667 business establishments, including 39 restaurants. The cost of living index is 87.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 19 minutes (shorter than the 28-minute US average). 4.2% of workers work from home (below the 15.2% national rate).
Income: Monticello vs U.S.
Income
| Median HH Income | $67,788 |
| 10% below US avg |
| Per Capita Income | $37,935 |
| Avg Weekly Wage | $963 |
| IRS Avg AGI | $78,129 |
| Gini Index | 0.395 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.3% |
| 92% below US avg |
| Poverty Rate | 2.1% |
| 83% below US avg |
| Establishments (County) | 667 |
| County GDP | $858M |
Business (County)
| Restaurants | 39 |
| Healthcare | 43 |
| Retail | 68 |
| Manufacturing | 29 |
Tax & Cost of Living
| Property Tax (IRS) | $4,197 |
| 20% above US avg |
| Cost of Living | 87.80 (100=avg) |
| Effective Tax Rate | 2.61% |
Commute & Transportation
| Commute Time | 18.7 min |
| Drive Alone | 85.0% |
| Public Transit | 0.0% |
| Work from Home | 4.2% |
The median home value in Monticello is $160,500, 43% below the national median of $281,900. Zillow estimates the typical home value at $223,746, higher than the Census estimate. Homes sell for 98.5% of their list price. Monthly rent averages $659 (43% below the national average of $1,163). Fair market rent ranges from $788 for a one-bedroom to $989 for a two-bedroom apartment. 71.0% of housing units are owner-occupied. There are 1,980 total housing units in the city. The median year a home was built is 1966. The average annual property tax is $4,197 (higher than the $3,500 national average). 23.7% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.4x, well within the affordable range.
Home Values
| Census Median | $160,500 |
| 43% below US avg |
| Zillow ZHVI | $223,746 |
| Median List Price | $208,750 |
Real Estate Market (Redfin)
| Median List Price | $208,750 |
| $/Sq Ft | $105 |
| Homes Sold | 3 |
| Sale-to-List Ratio | 98.5% |
| Price Drops | 0.0% |
| Inventory | 8 |
Rental Costs
| Census Median Rent | $659 |
| 43% below US avg |
| Rent Burden | 23.7% |
HUD Fair Market Rent
| Studio | $738 |
| 1 Bedroom | $788 |
| 2 Bedrooms | $989 |
| 3 Bedrooms | $1,282 |
| 4 Bedrooms | $1,420 |
Ownership & Property
| Homeownership | 71.0% |
| Owner-Occupied | 71.0% |
| Renter-Occupied | 29.0% |
| Housing Units | 1,980 |
| Median Year Built | 1966 |
Property Tax
| Avg Tax (IRS) | $4,197 |
| 20% above US avg |
| Effective Rate | 2.61% |
In Monticello, 38.3% of adults are obese, above the national rate of 32.1%. 8.8% have diabetes (below the 10.5% national rate). Heart disease affects 5.1% of residents. 29.1% have high blood pressure. 15.3% are current smokers. 24.0% report binge drinking. 22.6% are physically inactive. 21.3% report depression. 17.5% experience frequent mental distress. 7.1% of residents lack health insurance. The primary care physician ratio is 1:2,972. The dentist ratio is 1:2,606. 71.9% of residents have access to exercise opportunities. The food environment index is 8.6 out of 10.
Health Metrics: Monticello vs U.S. Average (%)
Chronic Conditions
| Obesity | 38.3% |
| 19% above US avg |
| Diabetes | 8.8% |
| Heart Disease | 5.1% |
| High Blood Pressure | 29.1% |
| Asthma | 10.0% |
| COPD | 5.8% |
| Cancer | 7.4% |
| Stroke | 2.7% |
Behaviors & Mental Health
| Smoking | 15.3% |
| 9% above US avg |
| Binge Drinking | 24.0% |
| Physical Inactivity | 22.6% |
| Depression | 21.3% |
| Mental Distress | 17.5% |
| Physical Distress | 11.7% |
| Short Sleep | 34.6% |
Healthcare Access
| Insurance Rate | 96.1% |
| Uninsured | 7.1% |
| 17% below US avg |
| Primary Care | 1:2,972 |
| Dentists | 1:2,606 |
| Mental Health | 1:909 |
| Checkup Rate | 75.6% |
| Dental Visits | 66.6% |
| Premature Death | 5,993/100K |
Food & Exercise
| Food Environment | 8.6/10 |
| Exercise Access | 71.9% |
| Healthcare Facilities | 43 |
Monticello has a violent crime rate of 154 per 100,000 residents, 59% below the national average of 380. This breaks down to aggravated assault at 51.3 per 100,000, robbery at 25.7, rape at 77.0. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 1,308 per 100,000, 33% below the U.S. average. This includes larceny/theft at 949, burglary at 282, vehicle theft at 77 per 100,000 residents. The county recorded 4 fatal traffic crashes. Overall, Monticello receives a safety grade of F.
Crime Rates: Monticello vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 153.9/100K |
| 59% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 77.0/100K |
| Robbery | 25.7/100K |
| Assault | 51.3/100K |
Property Crime
| Total Property | 1,308.4/100K |
| 33% below US avg |
| Burglary | 282.2/100K |
| Theft | 949.2/100K |
| Vehicle Theft | 77.0/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 4 |
| Traffic Accidents | 26 |
| Avg Accident Severity | 2.4 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Monticello experiences four distinct seasons with an average annual temperature of 47°F (8°C). Winters average 18°F in January while summers reach 72°F in July. The area gets 246 sunny days per year, above the national average. Annual precipitation totals 40.2 inches. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 837 feet.
Temperature
18°F Jan (-8°C)
72°F Jul (22°C)
| Annual Average | 47.0°F |
| 13% below US avg |
| January Average | 18°F (-8°C) |
| July Average | 72°F (22°C) |
| Sunny Days | 246 days/yr |
Geography
| Elevation | 837 ft (255 m) |
| Area | 6.3 sq mi (16.4 km²) |
| Population Density | 720/sq mi |
| Coordinates | 42.2304°N, 91.1859°W |
| Timezone | America/Chicago |
| County | Jones County County |
| Nearest Airport | Monticello Regional (MXO) 1 miles away |
Precipitation & Snow
Annual Rainfall
40.2"
6% above US avg
Wettest Month (Jun)
4.57"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 32.7 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 78.9 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Very Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Tornado History
647 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 13 fatalities, 453 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 15, 1968 |
EF5 |
78 km |
5 |
| Mar 13, 1990 |
EF4 |
19 km |
0 |
| Aug 12, 1974 |
EF4 |
98 km |
0 |
| Aug 12, 1974 |
EF4 |
28 km |
0 |
| Aug 26, 1965 |
EF4 |
84 km |
1 |
| Apr 11, 1965 |
EF4 |
47 km |
1 |
| Apr 30, 1954 |
EF4 |
49 km |
0 |
| May 25, 2008 |
EF3 |
80 km |
0 |
| May 21, 2004 |
EF3 |
56 km |
0 |
| Jul 27, 1995 |
EF3 |
58 km |
0 |
| May 9, 1995 |
EF3 |
77 km |
0 |
| Jun 19, 1993 |
EF3 |
40 km |
0 |
| Jun 19, 1993 |
EF3 |
35 km |
0 |
| Jul 13, 1992 |
EF3 |
7 km |
0 |
| May 8, 1988 |
EF3 |
88 km |
0 |
| May 8, 1988 |
EF3 |
63 km |
0 |
| May 30, 1985 |
EF3 |
74 km |
2 |
| Jun 20, 1974 |
EF3 |
81 km |
1 |
| May 13, 1974 |
EF3 |
83 km |
0 |
| Jul 12, 1971 |
EF3 |
29 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
3 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (939 ac, 2009).
| Year |
Name |
Acres |
Distance |
| 2009 |
UNNAMED |
939 |
97 km |
| 2010 |
FOLEY |
786 |
95 km |
| 2011 |
ACE AUTO |
676 |
88 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
18°F (-8°C) |
1.0 in |
Coldest, Driest |
| February |
23°F (-5°C) |
1.1 in |
|
| March |
35°F (2°C) |
2.3 in |
|
| April |
48°F (9°C) |
3.2 in |
|
| May |
60°F (16°C) |
3.9 in |
|
| June |
69°F (21°C) |
4.6 in |
Wettest |
| July |
72°F (22°C) |
4.1 in |
Warmest |
| August |
71°F (21°C) |
4.4 in |
|
| September |
63°F (17°C) |
4.1 in |
|
| October |
51°F (11°C) |
2.5 in |
|
| November |
36°F (2°C) |
2.2 in |
|
| December |
23°F (-5°C) |
1.5 in |
|
Monticello has a seasonal temperature swing of 55°F / from 18°F in January to 72°F in July. Total annual precipitation is 34.8 inches, with June being the wettest month (4.6") and January the driest (1.0").
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) |
$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 | $661 |
| Toddler | $569 |
| Preschool | $569 |
| Family Childcare (monthly) |
| Infant | $446 |
| Toddler | $439 |
| Preschool | $439 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Monticello
What is the population of Monticello?
Monticello has a population of 4,055 residents and is located in Iowa. The population density is 720 people per square mile, spread across 6.3 square miles. The median age of residents is 42.1 years, which is older than the national median of 38.9 years. The population is 49.4% female and 50.6% male.
Is Monticello expensive to live in?
Monticello 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 $67,788, 10% below the national average of $75,149. The median home value is $160,500 (43% below the U.S. median). Renters pay a median of $659 per month, below the national average of $1,163. The home price-to-income ratio is 2.4x, indicating housing is reasonably affordable relative to local income levels.
Is Monticello safe?
Monticello is safer than the national average, with a violent crime rate of 154 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 1,308 per 100,000 (below the national average). Overall, Monticello receives a safety grade of F based on combined crime data.
What is the weather like in Monticello?
Monticello has a four-season climate with an average annual temperature of 47°F (8°C). Winter temperatures average 18°F in January, while summers reach an average of 72°F in July. The area receives 246 sunny days per year. Annual rainfall totals 40.2 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Monticello?
The job market in Monticello is very strong, with unemployment at just 0.3% / well below the national rate of 3.6%. The average weekly wage is $963. There are 667 business establishments in the area, including 39 restaurants and food service locations. The average commute time is 19 minutes, and 4.2% of workers work from home.
How much does housing cost in Monticello?
The median home value in Monticello is $160,500. Zillow estimates the typical home value at $223,746. For renters, the median monthly rent is $659. Fair market rent is $788 for a 1-bedroom and $989 for a 2-bedroom apartment. The homeownership rate is 71.0%. The average annual property tax is $4,197.
How are the schools in Monticello?
Schools in Monticello score 5.6 out of 10 on standardized testing, near the national average. 19.4% of adults in Monticello hold a bachelor's degree or higher, below the national average of 33.7%. 93.5% have completed high school. 9.9% hold a graduate or professional degree.
How healthy is Monticello?
The obesity rate in Monticello is 38.3% (above the national rate of 32.1%). 15.3% of adults are smokers. 22.6% are physically inactive. 21.3% of residents report depression. 7.1% lack health insurance (below the national rate). 71.9% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,972.
What is transportation like in Monticello?
The average commute in Monticello is 19 minutes, shorter than the national average of 28 minutes. 85% of workers drive alone to work, and 4.2% work from home.
What are the demographics of Monticello?
The racial and ethnic makeup of Monticello is 91% White, 1.6% Black or African American, 2.2% Hispanic or Latino. 98.2% of residents speak only English at home. 6.8% of the population are military veterans. 15.1% of residents have a disability. 96.1% have health insurance coverage.