Monticello, IA population, income and ZIP codes

Monticello city is a small town in Iowa, with 4,055 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #103 of 1,026 ranked by population — larger than 90% of them. The median age here is 42.1 years against 39.1 nationally, a slightly older profile than the country as a whole. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Monticello city earn a median of $67,788 a year, 13.7% below the national figure of $78,538 and within a couple of points of the $67,791 median for the 290 Iowa cities we cover. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 5.1% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in Monticello city is valued at $160,500, 47.1% below the national figure and 3% above the $156,300 peer median, while median gross rent runs $659 a month, 53.1% below the national figure, or roughly $7,908 across a full year. A household on the local median income would put about 11.7% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.4×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 71% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.