Monticello, IN
Full City Profile · Indiana · White County County
3.4
/5.0
B
Good
5,504
Population
1,586/sq mi density
$50,138
Median Income
$28,381 per capita
$122,200
Home Value
$243,583 Zillow
$860
Median Rent
29.9% income on rent
52°F
Avg Temperature
B
Overall
3.4 / 5.0
Good overall score based on economy, affordability, safety and education
B
Economy
3.1 / 5.0
$50,138 median income, 8.3% unemployment
A+
Affordability
5.0 / 5.0
$122,200 home value, $860/mo rent
D
Education
2.0 / 5.0
11.9% bachelor's degree or higher
Monticello 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. Annual precipitation totals 39.0 inches. The area receives 17.2 inches of snow annually.
Temperature
27°F Jan (-3°C)
74°F Jul (23°C)
| Annual Average | 52.2°F |
| 3% below US avg | |
| January Average | 27°F (-3°C) |
| July Average | 74°F (23°C) |
Geography
| Elevation | 684 ft (208 m) |
| Area | 3.7 sq mi (9.5 km²) |
| Population Density | 1,586/sq mi |
| Coordinates | 40.7452°N, 86.7673°W |
| Timezone | America/Indiana/Indianapolis |
| County | White County County |
| Nearest Airport | Porter County Regional (VPZ) 51 miles away |
Precipitation & Snow
Air Quality
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 38.5 / 100 |
| Social Vulnerability | 34.5 / 100 |
| Community Resilience | 84.1 / 100 |
Hazard Breakdown
| Tornado | Relatively Low |
| Hurricane | Very Low |
| Earthquake | Relatively Low |
| Wildfire | Very Low |
| Flood | Relatively Low |
| Hail | Relatively Low |
| Strong Wind | Relatively Moderate |
| Heat Wave | Relatively Low |
| Winter Weather | Relatively Low |
| Lightning | Very Low |
| Ice Storm | Very Low |
| Drought | Very Low |
| Cold Wave | Relatively Moderate |
| Landslide | Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Tsunami History
1 tsunami recorded within 500 km. Highest wave on record: 3.0 m (10 ft).
| Year | Location | Cause | Max Wave | Deaths | Distance |
| 1954 | MICHIGAN CITY, IN (LAKE MICHIGAN) | Avalanche | 3.0 m | 7 | 107 km |
Source: NOAA/NCEI Historical Tsunami Database. Sorted by wave height.
Monthly Weather
| Month | Avg Temperature | Precipitation | Summary |
|---|---|---|---|
| January | 27°F (-3°C) | 2.7 in | Coldest |
| February | 31°F (-1°C) | 1.8 in | Driest |
| March | 41°F (5°C) | 2.8 in | |
| April | 53°F (11°C) | 3.8 in | |
| May | 63°F (17°C) | 4.1 in | |
| June | 71°F (22°C) | 4.6 in | Wettest |
| July | 74°F (23°C) | 4.6 in | Warmest |
| August | 72°F (22°C) | 3.5 in | |
| September | 66°F (19°C) | 2.9 in | |
| October | 55°F (13°C) | 3.0 in | |
| November | 42°F (6°C) | 2.9 in | |
| December | 32°F (-0°C) | 2.3 in |
Monticello has a seasonal temperature swing of 47°F / from 27°F in January to 74°F in July. Total annual precipitation is 39.0 inches, with June being the wettest month (4.6") and February the driest (1.8").