HomeIowaJones CountyMonticello
Monticello, Iowa: commercial real estate data.
Monticello is a Census city of 4,071 people across 5.63 square miles of land, in Jones County. Median household income is $70,015, 71.1 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $4.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Monticello
What Monticello is
- Census place typecity
- Land area5.63 sq mi
- Water area0.04 sq mi
- Population per square mile of land723
- County holding the largest share of its areaJones 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
- Population4,071
- Median age42.6
- Population under 18826 plus or minus 174
- Share under 1820.3 percent plus or minus 4.3
- Population 65 and over913
- Share 65 and over22.4 percent
- Households1,833
- Family households924
- Share of households that are families50.4 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$70,015
- Per capita income$36,558
- Civilian labor force2,129
- Employed2,111
- Unemployed18 plus or minus 25
- Unemployment rate0.8 percent plus or minus 1.2
- Adults 25 and over2,969
- Adults 25 and over with a high school diploma or higher94.2 percent
- Adults 25 and over with a bachelor degree or higher19.7 percent plus or minus 5.6
- Adults 25 and over with a graduate degree6.2 percent plus or minus 3.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Monticello
Housing in Monticello
- Housing units2,001
- Occupied units1,833
- Vacant units168 plus or minus 101
- Vacancy rate8.4 percent plus or minus 5.0
- Owner occupied1,303
- Renter occupied530 plus or minus 128
- Ownership rate71.1 percent
- Median owner-occupied home value$175,200
- Median gross rent, monthly$722
- Annual rent as a share of median income12.4 percent
- Single family units1,485
- Share single family74.2 percent
- Units in buildings of two or more462 plus or minus 149
- Share in buildings of two or more23.1 percent plus or minus 7.3
- Mobile homes54 plus or minus 65
- Median year structure built1966
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 commute1,955
- Commuting under 15 minutes1,035 plus or minus 225
- Share commuting under 15 minutes52.9 percent
- Commuting 30 minutes or more632 plus or minus 197
- Share commuting 30 minutes or more32.3 percent plus or minus 9.6
- Drove alone86.5 percent
- Carpooled4.3 percent plus or minus 3.1
- Public transport0.0 percent
- Walked1.9 percent plus or minus 3.3
- Worked from home6.9 percent plus or minus 3.5
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$4,215,000
- Average approval$843,000
- Median approval$320,000
- Largest approval$3,150,000
- Jobs supported52
- Jobs per approval10.4
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term180 months
- Share on real estate terms of 20 years or more20.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS4
Counted by borrower city: approvals to borrowers whose address is in Monticello, in any county, FY2020 to FY2026. Only 2 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)
- Approvals9
- Gross approval$2,940,000
- Average approval$326,667
- Median approval$308,000
- Largest approval$792,000
- Jobs supported35
- Loans with a final outcome4
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Monticello, in any county, FY2010 to FY2026. Only 4 loans have 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 number190175
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date11/19/21
The City of Monticello participates in the National Flood Insurance Program as community 190175 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.
Jones County, not Monticello
Jones County context, not Monticello figures
- Establishments in Jones County514
- Covered employment, Jones County6,253
- Average annual pay, Jones County$50,095
- Housing units permitted, Jones County20
Every figure in this section is published for Jones County as a whole and is not a measurement of Monticello.
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, Iowa?
4,071, in 1,833 households. Monticello city covers 5.63 square miles of land, which is 723 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?
Jones 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?
$70,015. The median owner-occupied home is valued at $175,200. Median gross rent is $722 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 $4.2 m since FY2020, across 2 lenders, median approval $320,000, plus 9 504 approvals worth $2.9 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 2 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 190175, 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 Jones 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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