Is Monticello, FL a Good Place to Live?
Monticello is a small town of 2,589 in Florida, with a median household income of $48,043 and a 2.0% unemployment rate. Its cost of living index is 95 (US average = 100), which is 5% below the national average.
Strengths: Monticello stands out for an affordable cost of living, below-average home prices, solid school ratings (B).
Trade-offs: No major red flags stand out in the available data. Whether Monticello is right for you depends on your priorities — the full breakdown is below.
All Monticello city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 95.3Monticello's overall cost of living index is 95.3, where 100 represents the US national average. Living in Monticello costs roughly 5% less than the average American city.
| Metric | Monticello, FL | National Avg |
|---|---|---|
| Median Home Value | $165,000 | $244,900 |
| Median Monthly Rent | $712 | $1,163 |
| Homeownership Rate | 64.7% | 65.9% |
| Median Household Income | $48,043 | $74,755 |
Crime & Safety
Crime data for Monticello is not currently available from the FBI's Uniform Crime Reporting program. Not all local agencies report to the UCR each year.
Schools & Education
Monticello is served primarily by JEFFERSON. The student-to-teacher ratio is 13.7:1 (better than the national average of ~16:1).
| Metric | Monticello, FL | National Avg |
|---|---|---|
| School District | JEFFERSON | — |
| Elementary Schools | N/A | — |
| Middle Schools | N/A | — |
| High Schools | 3 | — |
| Student/Teacher Ratio | 13.7:1 | 16:1 |
| Bachelor's Degree or Higher | 28.4% | 35.4% |
| High School Diploma or Higher | 84.1% | 91.1% |
Weather & Climate
Monticello sees average highs of 62.7°F in January and 90.7°F in July, with 57.8 inches of annual precipitation .
| Metric | Monticello, FL |
|---|---|
| Average High — January | 62.7°F |
| Average High — July | 90.7°F |
| Annual Precipitation | 57.8" |
| Annual Snowfall | Trace / None |
Demographics
| Metric | Monticello, FL | National Avg |
|---|---|---|
| Population | 2,589 | — |
| Median Age | 55.5 | 38.9 |
| Unemployment Rate | 2.0% | 3.7% |
| Avg Commute Time | 26.4 min | 26 min |
| White (non-Hispanic) | 51.4% | 59.3% |
| Black or African American | 46.8% | 13.6% |
| Hispanic or Latino | 0.1% | 18.9% |
| Asian | 0.0% | 6.3% |
| Under 18 | 17.3% | 22.2% |
| 65 and over | 30.2% | 16.8% |
Nearby Cities
ZIP Codes in Monticello
Monticello, FL is covered by 1 ZIP code: