Monticello, Mississippi.
Typical home $113,065 (+2.4% in a year).
to buy the typical home at today's mortgage rate — +$202 (+52%) since Jan 2020.
- 1 year
- Up $2,623 +2%
- $110,442$113,065 since Sep 2025
- 5 years
- Down $14,636 -11%
- $127,700$113,065 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$593
- Mississippi$1,021
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in Monticello, MS rose 2.4% over the past year — faster than the nation's +1.2%.
Living in Monticello, Lawrence County, Mississippi
Monticello is a town of 1,441 people in Lawrence County. Unemployment in Lawrence County was 3.2% in August 2026, and the county had 0.4% more jobs in 2025 than the year before. The most people in Lawrence County work in schools and health care, then manufacturing.
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 It can be wrong or out of date.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 town in southwest Mississippi and the seat of Lawrence County. Household incomes across the county run below the national picture, and homes in town are modest in price. Few adults hold a four-year degree, and nobody in town works from home, so daily life tends to be tied to the place itself.
Work. Most residents work in schools, hospitals and social care, with manufacturing, shops and professional and business services also employing many. The biggest workplaces in Monticello include the Lawrence County School District, Lawrence County Hospital and Atlas-SSI, which makes buckets and excavating equipment. Unemployment across Lawrence County is lower than it was a year ago, and the number of jobs has edged up slightly.
Things to do. Bahala Creek, a river, is a short drive away. Strong River and Lake Lincoln State Park, a protected area, are both a longer drive. Winters are mild with little or no snow, summers are hot, and the year brings plenty of rain, so time outdoors is possible in most seasons.
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- 18%of adults have a degree
- 0%work from home
What people in Lawrence County work in
Employed residents by industry, from the Census survey. Lawrence County had 2,712 jobs in 2025, 0.4% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 62° and lows near 36°; warmest in July, with highs near 96° and lows near 71°. About 60 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Monticello weather station, under a mile away (NOAA).
Largest workplaces in Monticello
- Lawrence CO School DistSchool district307FTE
- Lawrence County HospitalCritical access hospital98FTE
- Lawrence County Nursing CenterSkilled nursing facilities77
- Atlas-SSI, Inc. - MonticelloBuckets, excavating, manufacturing72
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 2 workplaces with 20 or more staff, 149 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
- TornadoesVery high
- Strong windRelatively high
- HailRelatively high
- HurricanesRelatively high
- Heat wavesRelatively high
- LightningRelatively high
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 high. 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 Lawrence County.
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$113,065
- Mississippi$194,531
- United States$366,157
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
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Monticello14
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.
Zillow publishes no zip-level series with this city on the address.