HomeFloridaJefferson CountyMonticello city
Monticello city, Florida: commercial real estate data.
Monticello city 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.
80 sourced place values · tier FULL · 9 sections · 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
- Ninetieth percentile approval$1,850,000
- 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
A charge-off rate is not published here. only 0 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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$1,165,000
- Largest approval$1,165,000
- Jobs supported26
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Monticello
Flood risk in Monticello
- Listed NFIP communities1
- Of those, participating1
- NFIP community number120365
- Currently effective map date02/05/14
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Jefferson County, not Monticello
Jefferson County context, not Monticello figures
These are Jefferson County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Monticello measurements.
- Establishments in Jefferson County289
- Employment at those establishments, Jefferson County1,979
- Covered employment, Jefferson County3,060
- Average annual pay, Jefferson County$47,974
- Average weekly wage, Jefferson County$923
- Housing units permitted, Jefferson County64
- Of those, single family, Jefferson County64
- County product, 2024, Jefferson County$440,624,000
- County product change over the prior year, Jefferson County12.0 percent
- Average income of an arriving household, Jefferson County$75,431
Every figure in this section is published for Jefferson County as a whole and is not a measurement of Monticello. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $3.5 m, across 3 lenders, median approval $430,000, plus 2 504 approvals worth $1.8 m. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Monticello in the National Flood Insurance Program?
Yes. Monticello appears in the FEMA Community Status Book as 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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