Is Monticello, NY a Good Place to Live?
Monticello is a small town of 7,224 in New York, with a median household income of $45,531 and a 9.3% unemployment rate. Its cost of living index is 96 (US average = 100), which is 4% below the national average.
Strengths: Monticello stands out for an affordable cost of living, below-average home prices, solid school ratings (B), short average commutes.
Trade-offs: Potential downsides include an elevated unemployment rate. 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: 95.8Monticello's overall cost of living index is 95.8, where 100 represents the US national average. Living in Monticello costs roughly 4% less than the average American city.
| Metric | Monticello, NY | National Avg |
|---|---|---|
| Median Home Value | $138,300 | $244,900 |
| Median Monthly Rent | $898 | $1,163 |
| Homeownership Rate | 26.6% | 65.9% |
| Median Household Income | $45,531 | $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 MONTICELLO CENTRAL SCHOOL DISTRICT. The student-to-teacher ratio is 10.5:1 (better than the national average of ~16:1).
| Metric | Monticello, NY | National Avg |
|---|---|---|
| School District | MONTICELLO CENTRAL SCHOOL DISTRICT | — |
| Elementary Schools | 3 | — |
| Middle Schools | 1 | — |
| High Schools | 1 | — |
| Student/Teacher Ratio | 10.5:1 | 16:1 |
| Bachelor's Degree or Higher | 18.0% | 35.4% |
| High School Diploma or Higher | 70.4% | 91.1% |
Weather & Climate
Monticello sees average highs of 32.1°F in January and 79.5°F in July, with 51.9 inches of annual precipitation and 57.9 inches of snow per year.
| Metric | Monticello, NY |
|---|---|
| Average High — January | 32.1°F |
| Average High — July | 79.5°F |
| Annual Precipitation | 51.9" |
| Annual Snowfall | 57.9" |
Demographics
| Metric | Monticello, NY | National Avg |
|---|---|---|
| Population | 7,224 | — |
| Median Age | 33.3 | 38.9 |
| Unemployment Rate | 9.3% | 3.7% |
| Avg Commute Time | 20.7 min | 26 min |
| White (non-Hispanic) | 47.6% | 59.3% |
| Black or African American | 21.9% | 13.6% |
| Hispanic or Latino | 18.2% | 18.9% |
| Asian | 4.9% | 6.3% |
| Under 18 | 22.9% | 22.2% |
| 65 and over | 13.8% | 16.8% |
Nearby Cities
ZIP Codes in Monticello
Monticello, NY is covered by 1 ZIP code: