HomeFloridaJefferson CountyMonticello
Monticello, Florida: commercial real estate data.
Monticello is a Census city of 2,659 people across 4.01 square miles of land, in Jefferson County. Median household income is $46,343, 66.3 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $3.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Monticello
What Monticello is
- Census place typecity
- Land area4.01 sq mi
- Water area0 sq mi
- Population per square mile of land663
- County holding the largest share of its areaJefferson County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Monticello
How many people live in Monticello
- Population2,659
- Median age44.2 plus or minus 9.8
- Population under 18523 plus or minus 152
- Share under 1819.7 percent plus or minus 5.7
- Population 65 and over725 plus or minus 176
- Share 65 and over27.3 percent plus or minus 6.6
- Households1,286
- Family households711
- Share of households that are families55.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Monticello
Income and work in Monticello
- Median household income$46,343 plus or minus $12,613
- Per capita income$30,581
- Civilian labor force1,045
- Employed1,043
- Unemployed2 plus or minus 6
- Unemployment rate0.2 percent plus or minus 0.6
- Adults 25 and over1,970
- Adults 25 and over with a high school diploma or higher87.9 percent
- Adults 25 and over with a bachelor degree or higher24.3 percent plus or minus 7.2
- Adults 25 and over with a graduate degree7.7 percent plus or minus 3.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Monticello
Housing in Monticello
- Housing units1,413
- Occupied units1,286
- Vacant units127 plus or minus 69
- Vacancy rate9.0 percent plus or minus 4.8
- Owner occupied853
- Renter occupied433 plus or minus 107
- Ownership rate66.3 percent
- Median owner-occupied home value$211,000
- Median gross rent, monthly$799 plus or minus $217
- Annual rent as a share of median income20.7 percent plus or minus 8.0
- Single family units1,104
- Share single family78.1 percent
- Units in buildings of two or more136 plus or minus 75
- Share in buildings of two or more9.6 percent plus or minus 5.2
- Mobile homes173 plus or minus 99
- Median year structure built1976
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Monticello
How Monticello gets to work
- Workers 16 and over who commute895
- Commuting under 15 minutes339 plus or minus 151
- Share commuting under 15 minutes37.9 percent plus or minus 15.2
- Commuting 30 minutes or more366 plus or minus 126
- Share commuting 30 minutes or more40.9 percent plus or minus 11.6
- Drove alone77.9 percent
- Carpooled7.1 percent plus or minus 5.7
- Public transport0.0 percent
- Walked1.0 percent plus or minus 1.1
- Worked from home10.5 percent plus or minus 6.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Monticello
SBA loans in Monticello (7(a))
- Approvals5
- Gross approval$3,535,000
- Average approval$707,000
- Median approval$430,000
- Largest approval$1,850,000
- Jobs supported58
- Jobs per approval11.6
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders3
- Distinct industries by NAICS5
Counted by borrower city: approvals to borrowers whose address is in Monticello, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Monticello
SBA loans in Monticello (504)
- Approvals2
- Gross approval$1,771,000
- Average approval$885,500
- Median approval$885,500
- Largest approval$1,165,000
- Jobs supported26
- Loans with a final outcome1
- Charged off0
- Median term270 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Monticello, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Monticello
Flood risk in Monticello
- NFIP communityCity of Monticello
- NFIP community number120365
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/05/14
The City of Monticello participates in the National Flood Insurance Program as community 120365 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Jefferson County, not Monticello
Jefferson County context, not Monticello figures
- Establishments in Jefferson County289
- Covered employment, Jefferson County3,060
- Average annual pay, Jefferson County$47,974
- Housing units permitted, Jefferson County64
Every figure in this section is published for Jefferson County as a whole and is not a measurement of Monticello.
All Jefferson County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Monticello questions, answered from the record.
How many people live in Monticello, Florida?
2,659, in 1,286 households. Monticello city covers 4.01 square miles of land, which is 663 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Monticello in?
Jefferson County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Monticello?
$46,343. The median owner-occupied home is valued at $211,000. Median gross rent is $799 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Monticello businesses?
5 7(a) approvals totaling $3.5 m since FY2020, across 3 lenders, median approval $430,000, plus 2 504 approvals worth $1.8 m since FY2010. These count approvals to borrowers whose address is in Monticello, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Monticello borrowers get paid back?
No rate is published for Monticello. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Monticello in the National Flood Insurance Program?
Yes. Monticello appears in the FEMA Community Status Book as Monticello, city of, community 120365, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Monticello figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Jefferson County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Monticello.
Is zoning published for Monticello?
No. Nothing on this page presents parcel level zoning.
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