Monticello, Utah.
Typical home $326,425 (+2.8% in a year).
to buy the typical home at today's mortgage rate — +$957 (+126%) since Jan 2020.
- 1 year
- Up $8,763 +3%
- $317,663$326,425 since Sep 2025
- 5 years
- Up $57,619 +21%
- $268,807$326,425 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$1,713
- Utah$2,797
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 18 years.
Typical home values in Monticello, UT rose 2.8% over the past year — faster than the nation's +1.2%.
Living in Monticello, San Juan County, Utah
Monticello is a city of 1,824 people in San Juan County. Half its households earn more than $72,969 a year and half less, against $64,481 across San Juan County; 4% of its people live below the poverty line. 79% of its homes are lived in by their owners and 21% are rented. Unemployment in San Juan County was 4.4% in August 2026, and the county had 2.9% more jobs in 2025 than the year before. The most residents work in schools and health care, then government.
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 It can be wrong or out of date.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 in San Juan County, Utah, where most homes are lived in by their owners and incomes run a little above the county's. Few residents live below the poverty line, and a four-year degree is held by a minority of adults. Winters are cold, with January the coldest month, and summers are warm without being extreme; the year's moisture arrives as a modest mix of rain and melted snow.
Work. Residents work mostly in schools, hospitals and social care, in government, in professional and business services, and in farming, forestry and mining. Among the largest workplaces in Monticello are the San Juan Health Services District, the City of Monticello and the National Park Service. A fair number of people work from home, and jobs across the county have grown slightly over the past year.
Things to do. Monticello National Forest is a protected area a longer drive away, and it suits anyone who likes time outdoors. For history, Newspaper Rock State Historic Monument and Alkali Ridge are both archaeological sites, also a longer drive away. Edge of the Cedars State Park Museum, another longer drive, is a good stop for learning about the region's past.
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- 731households
- 23%of adults have a degree
- 4%below the poverty line
- 14%work from home
What residents work in
Employed residents by industry, from the Census survey. San Juan County had 4,780 jobs in 2025, 2.9% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 37° and lows near 17°; warmest in July, with highs near 84° and lows near 55°. About 16 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Monticello #2 weather station, under a mile away (NOAA).
Largest workplaces in Monticello
- San Juan Health Services DistrictCritical access hospital96FTE
- City of MonticelloCity and town managers' offices42
- National Park ServiceFederal government · Department of the Interior22
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 1 workplace with 20 or more staff, 42 people in all. Hospitals come from their Medicare cost reports (CMS, 2023) and federal offices from OPM's federal workforce data (2026); 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
- Winter weatherVery high
- LightningVery high
- LandslidesRelatively high
- WildfireRelatively moderate
- DroughtRelatively moderate
- Heat wavesRelatively 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 San Juan 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$326,425
- Utah$532,920
- United States$366,157
Sellers are cutting prices on about 1 in 16 Monticello listings — the market is roughly in balance.
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.
- Monticello6.35%
- United States26.36%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Monticello21
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.