Monticello city, Iowa Demographics & Population 2026
As of 2026, Monticello city, Iowa has a total population of 4,055, the 103rd largest city in Iowa, with a median household income of $67,788, which is 7% lower than the state average. The poverty rate is 5.1%.
Key Takeaways
- Housing is very affordable with a home-value-to-income ratio of just 2.4x.
- Near full employment with an unemployment rate of just 0.4%.
Monticello city Quick Facts
How Monticello city Compares
Median Household Income
Median Home Value
Economy & Housing
Household Income Distribution
Employment
Housing Overview
People & Demographics
Age Distribution
Race & Ethnicity
Diversity Index
A less diverse community where one racial or ethnic group represents a large majority.
State average: 30 | National average: 60
Education
Educational Attainment (Adults 25+)
Monticello city Rankings in Iowa
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Cities Similar to Monticello city
These cities in the same state have comparable population and economic profiles.
| City | Population | Median Income | Home Value | Bachelor's+ | Poverty |
|---|---|---|---|---|---|
| Rock Valley city | 4,061 | $67,012 | $225,800 | 21.4% | 6.4% |
| West Liberty city | 3,795 | $66,132 | $169,500 | 15.3% | 7.7% |
| Forest City city | 4,280 | $62,917 | $136,400 | 25.9% | 9.4% |
| Cresco city | 3,901 | $60,769 | $105,200 | 19.9% | 11.3% |
| Albia city | 3,688 | $67,791 | $132,500 | 23.4% | 10.9% |
Population Overview
Monticello city is a small community located in Iowa. The total population is 4,055. It ranks as the 103rd most populous out of 1,018 cities and towns in Iowa.
Age Demographics
The median age in Monticello city is 42.1 years. This is 9% higher than the state median of 38.6 years. 10.2% of residents are 75 or older, suggesting a significant retirement-age population with implications for healthcare services and senior housing.
Economy, Income & Housing
The median household income in Monticello city is $67,788. This is 7% lower than the state median of $73,147. Compared to the national median of $78,538, household income here is 14% lower. The poverty rate stands at 5.1%. This is 54% lower than the state poverty rate of 11.0%. The unemployment rate is 0.4%. This is 89% lower than the state rate of 3.6%. The median home value is $160,500. Housing costs are 18% lower than the state median of $195,900. With a home-value-to-income ratio of just 2.4x, Monticello city is one of the most affordable housing markets in the area. 71.0% of occupied housing units are owner-occupied.
Race & Ethnicity
Monticello city has a predominantly White (non-Hispanic) population, comprising 90.6% of all residents. Hispanic or Latino residents account for 3.5%. The Black or African American population (1.6%) is well below the state average of 3.8%. The Asian population (0.9%) is well below the state average of 2.4%.
Education
19.4% of residents aged 25 and older hold a bachelor's degree or higher. This is 37% lower than the state rate of 30.9%. Nationally, 35.0% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 93.5%.
Data Sources & Methodology
All demographic data for Monticello city, Iowa is sourced from the U.S. Census Bureau's American Community Survey (ACS) 5-Year Estimates (2019-2023). The ACS collects data from approximately 3.5 million households annually, providing reliable estimates for communities of all sizes. Comparisons are made against Iowa state averages and national averages calculated from the same dataset. Rankings reflect the city's position among all 1,018 Census-designated places in Iowa. For official data, visit data.census.gov.
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Frequently Asked Questions
What is the population of Monticello city, Iowa?
Monticello city, Iowa has a population of 4,055 according to the most recent U.S. Census ACS 5-Year Estimates.
What is the median household income in Monticello city, IA?
The median household income in Monticello city is $67,788, which is 14% lower the national median of $78,538.
What is the poverty rate in Monticello city, IA?
The poverty rate in Monticello city is 5.1%. This means approximately 203 residents live below the federal poverty line.
What is the racial makeup of Monticello city, Iowa?
Monticello city's population is 90.6% White, 1.6% Black, 3.5% Hispanic/Latino, and 0.9% Asian.
What is the median home value in Monticello city, IA?
The median home value in Monticello city is $160,500. The home-value-to-income ratio is 2.4x.
How educated is Monticello city, Iowa?
19.4% of adults (25+) in Monticello city hold a bachelor's degree or higher, and 5.5% hold a graduate or professional degree.