HomeIndianaWhite CountyMonticello city
Monticello city, Indiana: commercial real estate data.
Monticello city is a Census city of 5,496 people across 3.47 square miles of land, in White County. Median household income is $52,798, 64.7 percent of occupied homes are owned, and the SBA record carries 6 7(a) approvals to borrowers here worth $1.8 m.
76 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Monticello
What Monticello is
- Census place typecity
- Land area3.47 sq mi
- Water area0.21 sq mi
- Population per square mile of land1,586
- County holding the largest share of its areaWhite 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
- Population5,496
- Median age44.5
- Population under 18994 plus or minus 228
- Share under 1818.1 percent plus or minus 4.2
- Population 65 and over1,367 plus or minus 275
- Share 65 and over24.9 percent plus or minus 5.0
- Households2,481
- Family households1,279
- Share of households that are families51.6 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$52,798
- Per capita income$28,926
- Civilian labor force2,596
- Employed2,444
- Unemployed152 plus or minus 110
- Unemployment rate5.9 percent plus or minus 4.2
- Adults 25 and over4,020
- Adults 25 and over with a high school diploma or higher91.6 percent
- Adults 25 and over with a bachelor degree or higher12.4 percent plus or minus 3.8
- Adults 25 and over with a graduate degree3.5 percent plus or minus 2.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Monticello
Housing in Monticello
- Housing units2,688
- Occupied units2,481
- Vacant units207 plus or minus 144
- Vacancy rate7.7 percent plus or minus 5.3
- Owner occupied1,605
- Renter occupied876 plus or minus 245
- Ownership rate64.7 percent
- Median owner-occupied home value$149,600
- Median gross rent, monthly$927
- Annual rent as a share of median income21.1 percent plus or minus 5.0
- Single family units1,802
- Share single family67.0 percent
- Units in buildings of two or more886 plus or minus 270
- Share in buildings of two or more33.0 percent plus or minus 9.6
- Mobile homes0
- Median year structure built1960
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 commute2,345
- Commuting under 15 minutes1,045 plus or minus 274
- Share commuting under 15 minutes44.6 percent plus or minus 10.6
- Commuting 30 minutes or more633 plus or minus 221
- Share commuting 30 minutes or more27.0 percent plus or minus 8.9
- Drove alone85.8 percent
- Carpooled10.7 percent plus or minus 5.8
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home3.5 percent plus or minus 2.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Monticello
SBA loans in Monticello (7(a))
- Approvals6
- Gross approval$1,841,600
- Average approval$306,933
- Median approval$225,000
- Ninetieth percentile approval$887,800
- Largest approval$887,800
- Jobs supported27
- Jobs per approval4.5
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises16.7 percent
- Distinct lenders5
- Distinct industries by NAICS5
A charge-off rate is not published here. only 1 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)
- Approvals7
- Gross approval$4,148,000
- Average approval$592,571
- Median approval$217,000
- Largest approval$2,083,000
- Jobs supported27
- Loans with a final outcome2
- Charged off0
- Median term240 months
- Distinct CDCs4
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
White County, not Monticello
White County context, not Monticello figures
These are White 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 White County589
- Employment at those establishments, White County8,057
- Covered employment, White County8,815
- Average annual pay, White County$48,614
- Average weekly wage, White County$935
- Housing units permitted, White County47
- Of those, single family, White County47
- County product, 2024, White County$1,514,343,000
- County product change over the prior year, White County-0.5 percent
- Average income of an arriving household, White County$57,270
Every figure in this section is published for White 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.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- 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, Indiana?
5,496, in 2,481 households. Monticello city covers 3.47 square miles of land, which is 1,586 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?
White 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?
$52,798. The median owner-occupied home is valued at $149,600. Median gross rent is $927 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?
6 7(a) approvals totalling $1.8 m, across 5 lenders, median approval $225,000, plus 7 504 approvals worth $4.1 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 1 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.
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 White 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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