HomeKentuckyWayne CountyMonticello
Monticello, Kentucky: commercial real estate data.
Monticello is a Census city of 5,753 people across 6.09 square miles of land, in Wayne County. Median household income is $44,952, 53.8 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $4.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Monticello
What Monticello is
- Census place typecity
- Land area6.09 sq mi
- Water area0.04 sq mi
- Population per square mile of land945
- County holding the largest share of its areaWayne 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
- Population5,753
- Median age40.6
- Population under 181,051 plus or minus 273
- Share under 1818.3 percent plus or minus 4.7
- Population 65 and over993
- Share 65 and over17.3 percent
- Households2,385
- Family households1,350
- Share of households that are families56.6 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$44,952 plus or minus $11,358
- Per capita income$23,028
- Civilian labor force2,768
- Employed2,713
- Unemployed55 plus or minus 35
- Unemployment rate2.0 percent plus or minus 1.2
- Adults 25 and over4,319
- Adults 25 and over with a high school diploma or higher84.3 percent
- Adults 25 and over with a bachelor degree or higher13.3 percent plus or minus 4.3
- Adults 25 and over with a graduate degree6.6 percent plus or minus 2.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Monticello
Housing in Monticello
- Housing units2,713
- Occupied units2,385
- Vacant units328 plus or minus 158
- Vacancy rate12.1 percent plus or minus 5.7
- Owner occupied1,284
- Renter occupied1,101 plus or minus 229
- Ownership rate53.8 percent
- Median owner-occupied home value$132,400
- Median gross rent, monthly$779
- Annual rent as a share of median income20.8 percent plus or minus 6.6
- Single family units2,015
- Share single family74.3 percent
- Units in buildings of two or more471 plus or minus 149
- Share in buildings of two or more17.4 percent plus or minus 5.3
- Mobile homes227 plus or minus 107
- 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 commute2,095
- Commuting under 15 minutes1,219 plus or minus 281
- Share commuting under 15 minutes58.2 percent
- Commuting 30 minutes or more537 plus or minus 190
- Share commuting 30 minutes or more25.6 percent plus or minus 8.1
- Drove alone57.4 percent
- Carpooled17.6 percent plus or minus 8.3
- Public transport0.5 percent plus or minus 0.8
- Walked1.4 percent plus or minus 1.6
- Worked from home20.2 percent plus or minus 10.0
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$4,701,500
- Average approval$940,300
- Median approval$375,000
- Largest approval$3,704,000
- Jobs supported151
- Jobs per approval30.2
- 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 lenders4
- Distinct industries by NAICS3
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
Flood risk in Monticello
- NFIP communityCity of Monticello
- NFIP community number210221
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/02/09
The City of Monticello participates in the National Flood Insurance Program as community 210221 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.
Wayne County, not Monticello
Wayne County context, not Monticello figures
- Establishments in Wayne County284
- Covered employment, Wayne County5,231
- Average annual pay, Wayne County$39,309
Every figure in this section is published for Wayne 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.
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, Kentucky?
5,753, in 2,385 households. Monticello city covers 6.09 square miles of land, which is 945 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?
Wayne 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?
$44,952. The median owner-occupied home is valued at $132,400. Median gross rent is $779 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 $4.7 m since FY2020, across 4 lenders, median approval $375,000. 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 210221, 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 Wayne 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.