Monticello, Wayne County, KY demographics:
population, income, and more

Total population
5,753
0.2% year-over-year change
Median household income
$44,952/yr
19.1% year-over-year change
Housing units
2,713
-5.3% year-over-year change

Monticello population

How many people live in Monticello

Monticello is home to 5,753 residents, according to the most recent Census data. Gender-wise, 45.2% of Monticello locals are male, and 54.8% are female.

Total population
5,753
0.2% year-over-year change
Gender ratio
Male
45.2%
2,601
Female
54.8%
3,152
Value Percent YoY change
Male 2,601 45.2% 4.1%
Female 3,152 54.8% -2.8%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Monticello is 41, with the population distributed as follows: about 14.7% are children under 15, then 10.2% are in the 15 to 24 age group. Adults between 25 and 44 make up 32.9% of the population, while another 24.9% fall into the 45 to 64 bracket. Finally, around 17.3% are 65 or older.

Median age
40.6
Age breakdown
Under 15
14.7%
15 to 24
10.2%
25 to 44
32.9%
45 to 64
24.9%
Over 65
17.3%
Value Percent YoY change
Under 15 847 14.7% 9.7%
15 to 24 587 10.2% -25.0%
25 to 44 1,891 32.9% 1.4%
45 to 64 1,435 24.9% 6.7%
Over 65 993 17.3% 1.6%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Monticello, 92.2% of the population are US-born citizens, while 6.4% have gained naturalized citizenship. At the same time, 1.4% of residents are non-citizens. As for race, 84.1% of locals are Caucasian, 3.7% are African American and 0.1% have Asian roots. There’s also a share of 6.5% that includes residents with two or more races.

Citizenship
U.S.-born citizens
92.2%
Non-U.S.-born citizens
6.4%
Non-citizens
1.4%
Value Percent YoY change
U.S.-born citizens 5,306 92.2% -0.5%
Non-U.S.-born citizens 368 6.4% 53.3%
Non-citizens 79 1.4% -52.7%
Racial breakdown
White
84.1%
Black or African American
3.7%
American Indian and Alaska Native
0%
Asian
0.1%
Native Hawaiian and other Pacific Islander
0%
Two or more races
6.5%
Other
5.6%
Value Percent
White 4,840 84.1%
Black or African American 212 3.7%
American Indian and Alaska Native 1 0%
Asian 6 0.1%
Two or more races 374 6.5%
Other 320 5.6%

Households in Monticello

A peek inside Monticello households

Monticello has 2,385 households, with an average of 2 members in each. Of these, 56.6% are families, while the remaining 43.4% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
2,385
0.1% year-over-year change
Average people per household
2
Non-family households
1,035
Family households
1,350
Value Percent YoY change
Non-family households 1,035 43.4% 5.5%
Family households 1,350 56.6% -3.6%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Monticello

The housing landscape of Monticello

Monticello's housing consists of 2,713 units, with 71.8% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 2.4% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 8.4% of the housing landscape.

Housing units
2,713
-5.3% year-over-year change
Housing types
Value Percent
1 unit, detached 1,949 71.8%
1 unit, attached 66 2.4%
2 units 260 9.6%
3 or 4 units 105 3.9%
5 to 9 units 84 3.1%
10 to 19 units 10 0.4%
20 to 49 units 12 0.4%
Mobile home 227 8.4%
Homes built since 2020
35
288.9% year-over-year change

The age of buildings in Monticello

In Monticello, the median construction year is 1976. About 4.5% of homes were built before the 1940s, with another 6.5% going up by 1949. Most development happened in the second half of the 20th century. Then, 8.2% of homes were added from 2000 to 2009, 7.8% between 2010 and 2019, and 1.3% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 122 4.5% -21.8%
Built between 1940 and 1949 176 6.5% 220.0%
Built between 1950 and 1959 233 8.6% -31.7%
Built between 1960 and 1969 510 18.8% 29.4%
Built between 1970 and 1979 525 19.4% -28.7%
Built between 1980 and 1989 439 16.2% -20.0%
Built between 1990 and 1999 238 8.8% 19.0%
Built between 2000 and 2009 223 8.2% -2.2%
Built between 2010 and 2019 212 7.8% 7.1%
Built in 2020 or later 35 1.3% 288.9%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Monticello occupancy rates

Out of the 2,385 occupied housing units in Monticello, 53.8% are owner-occupied, while 46.2% are lived in by tenants. Meanwhile, 12.1% of all homes on the local market sit vacant.

Occupied housing units
2,385
0.1% year-over-year change
Occupancy breakdown
Renter occupied
1,101
Owner occupied
1,284
Value Percent YoY
change
Renter occupied 1,101 46.2% 1.5%
Owner occupied 1,284 53.8% -1.0%
Unoccupied housing units
12.1%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Monticello housing costs

Housing costs in Monticello come to a median of $692 per month, while tenants specifically pay a median gross rent of $779.

Median housing costs per month
$692/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Monticello
$779/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Monticello

Monticello education at a glance

About 49.6% of the population in Monticello went to high school, while 17.5% pursued college studies. Another 11.1% earned an associate degree and 6.7% hold a bachelor’s. Meanwhile, 6.1% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 422 9% -16.4%
High school diploma 2,333 49.6% 0.3%
College diploma 824 17.5% -2.8%
Associate degree 520 11.1% 10.4%
Bachelor's degree 316 6.7% 19.2%
Graduate degree 287 6.1% 7.1%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Monticello

How much people earn in Monticello

The average annual household income in Monticello was $52,448 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +7.8% change from the previous year. At the same time, the median income stood at $44,952, reflecting a +19.1% shift over the same period.

Average household income in Monticello
$52,448/year
7.8% year-over-year change
Median household income in Monticello
$44,952/year
19.1% year-over-year change

Monticello income by age

In Monticello, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $53,554. Those with someone between 45 and 64 in charge, often well established professionally, earn $48,140 overall. Overall, 69.7% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
25 - 44 $53,554 50.6%
45 - 64 $48,140 6.8%
Over 65 $37,905 4.0%
Above poverty level
3,810
Below poverty level
1,653
Value Percent YoY
change
Above poverty level 3,810 69.7% 7.0%
Below poverty level 1,653 30.3% -10.9%

Average renter income in Monticello

To get a better sense of what renters earn on average in Monticello, their median household income was $25,047 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 37.3%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$25,047
Rent-to-income ratio
37.3%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in Monticello

Workforce and job types in Monticello

The job market in Monticello is powered by 2,713 working residents, spread across a range of industries and roles. 69.8% of the working population are employed in professional or administrative positions, while 30.2% are in hands-on or service-based jobs. Also, 1.8% run their own businesses, 81.1% are employed by private companies, and 12.8% work in the public sector.

Workforce demographics

Working population
2,713
5.5% year-over-year change
White collar
1,895
Blue collar
818
Value Percent YoY change
White collar 1,895 69.8% 0.4%
Blue collar 818 30.2% 19.4%
Employer type
Self employees
1.8%
Private companies
81.1%
Governmental workers
12.8%
Not for profit companies
4.2%
Value Percent YoY change
Self employees 49 1.8% -15.5%
Private companies 2,201 81.1% 4.3%
Governmental workers 348 12.8% 13.4%
Not for profit companies 115 4.2% 19.8%
Unemployment rate
2.0%
-50.5% year-over-year change

Available workforce

The unemployment rate in Monticello stands at 2%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Monticello

How people get around in Monticello

Commuting methods vary: 75% of residents travel by personal vehicle and 1.4% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Means of transportation
Value Percent YoY change
Car 1,968 75% 10.2%
Bus or trolleybus 12 0.5% -33.3%
Bicycle 15 0.6% -11.8%
Walk 36 1.4% -7.7%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Monticello by zipcode?

Zipcode Population Number of households Median income Average income
42633 18,606 7,611 $46,040 $59,289

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FAQs about Monticello demographics 

What is the total population of Monticello?

Monticello has a total population of 5,753 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +0.2% compared to a year ago.

What is the gender ratio in Monticello?

The gender ratio in Monticello is as follows:
  • 45.2% males (2,601 residents)
  • 54.8% females (3,152 residents)

What is the median age in Monticello?

The median age in Monticello is 40.6.

What is the age distribution of the population in Monticello?

The age distribution in Monticello is as follows:
  • Under 15: 14.7% (847 residents)
  • Ages 15-24: 10.2% (587 residents)
  • Ages 25-44: 32.9% (1,891 residents)
  • Ages 45-64: 24.9% (1,435 residents)
  • Over 65: 17.3% (993 residents)

What is the racial and ethnic makeup of Monticello?

The racial and ethnic makeup of Monticello is as follows:
  • White: 84.1% (4,840 residents)
  • Black or African American: 3.7% (212 residents)
  • American Indian and Alaska Native: 0% (1 residents)
  • Asian: 0.1% (6 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 6.5% (374 residents)
  • Other: 5.6% (320 residents)

What percentage of the population in Monticello are U.S.-born citizens?

U.S.-born citizens represent 92.2% of the population in Monticello.

How many housing units are there in Monticello?

There are 2,713 housing units in Monticello, reflecting a -5.3% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Monticello and what is the average household size?

Monticello has a total of 2,385 households, with an average of 2 people in each.

What is the median household income in Monticello?

Monticello has a median household income of $44,952, representing a +19.1% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Monticello?

The employment rate is 98% in Monticello, with a workforce of 2,713 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 69.8% (1,895 residents)
  • Blue-collar workers: 30.2% (818 residents)

Places of employment:
  • Self-employed: 1.8% (49 residents)
  • Private companies: 81.1% (2,201 residents)
  • Governmental workers: 12.8% (348 residents)
  • Not-for-profit companies: 4.2% (115 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025