Monticello, Indiana.
Typical home $239,789 (+3.8% in a year). Lafayette-West Lafayette, IN metro.
to buy the typical home at today's mortgage rate — +$703 (+127%) since Jan 2020.
- 1 year
- Up $8,739 +4%
- $231,050$239,789 since Sep 2025
- 5 years
- Up $53,641 +29%
- $186,148$239,789 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Monticello$1,259
- Indiana$1,350
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 14 years.
Typical home values in Monticello, IN rose 3.8% over the past year — faster than the nation's +1.2%.
Living in Monticello, White County, Indiana
Monticello is a city of 5,508 people in White County. Half its households earn more than $52,798 a year and half less, against $67,303 across White County; 11% of its people live below the poverty line. 65% of its homes are lived in by their owners and 35% are rented. Unemployment in White County was 3.1% in August 2026, and the county had 0.1% fewer jobs in 2025 than the year before. The most residents work in manufacturing, then construction.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Monticello is a small city and the seat of White County, with an older population than is typical for the country. Most homes are lived in by their owners, and incomes in town run below the county's as a whole. Winters are cold, with January the coldest month, and the town sees a fair amount of snow, while summers are warm, with July the warmest month.
Work. Residents work mostly in manufacturing, the building trades, schools, hospitals and social care, and shops. Among the largest workplaces in Monticello are Twin Lakes School, White County Government and IU Health White Hospital. Few adults hold a four-year degree, and most people travel a short way to work, with very few working from home.
Things to do. Indiana Beach, an amusement park, is a short drive away, as is Lake Shafer, a lake popular for time on the water. Farther afield, a longer drive brings you to the Tippecanoe River and to Prophetstown State Park, a protected area good for walking and time outdoors.
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- 2,481households
- 12%of adults have a degree
- 11%below the poverty line
- 20 mintypical commute
- 4%work from home
What residents work in
Employed residents by industry, from the Census survey. White County had 8,806 jobs in 2025, 0.1% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 34° and lows near 19°; warmest in July, with highs near 85° and lows near 63°. About 17 inches of snow and 39 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Delphi North weather station, 10 miles away (NOAA).
Largest workplaces in Monticello
- Twin Lakes School CorpSchool district300FTE
- White County GovernmentPersonnel offices, government247
- Ball Beverage Pkg 192 Monticello332431 aluminum cans, light gauge metal, manufacturing224
- Regal RexnordRoller bearings manufacturing211
- AdkevMotor vehicle moldings and extrusions, plastics, manufacturing162
- IU Health White HospitalCritical access hospital136FTE
- Jordan MFG Inc-monticelloShipping pads and shaped cushioning, polystyrene foam, manufacturing129
- Kroger Central KMASupermarkets and other grocery except convenience stores120
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 11 workplaces with 20 or more staff, 1,347 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Cold wavesVery high
- Strong windRelatively high
- HailRelatively high
- TornadoesRelatively high
- Winter weatherRelatively high
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Monticello’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on White County and the Lafayette-West Lafayette, IN metro.
Monticello home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Monticello$239,789
- Indiana$257,165
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Monticello listings, and the typical home goes pending in 39 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Monticello30.41%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Monticello39
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Monticello145
New listings per month
Sellers arriving at the market.
- Monticello29
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Monticello$256,448
- United States$371,407
Zip codes with a Monticello address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Monticello — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.