City

Monticello, FL

2 ZIP codes  ·  Jefferson County  ·  Florida

👥12,879Population
💰$52,222Median HH Income▼ 32% below avg
🎂48.0Median Age
🏠$208,600Median Home Value▼ 25% below avg
🎓29.9%College Grads▼ 23% below avg
📊6.1%Unemployment▲ 25% above avg
People & Population (ACS 2023 — weighted avg)
♂ Male 52.6% Female 47.4% ♀

Race & Ethnicity

White: 58.9%Hispanic: 5%Black: 30.5%Asian: 0.8%Other: 4.2%Race
White58.9%
Hispanic5.0%
Black30.5%
Asian0.8%
Other4.2%

Age Breakdown

Under 5
4%
5–17
13%
18–24
8%
25–44
22%
45–64
28%
65+
12%

Key Indicators

Median Age48.0 yrs
Avg HH Size2.31
Below Poverty20.0% ▲ 100% above avg
College Grads29.9% ▼ 23% below avg
Unemployment6.1% ▲ 25% above avg
No HS Diploma203 (2.3%)
HS Graduate3,033 (34.7%)
Some College1,579 (18%)
Associates1,318 (15.1%)
Bachelors716 (8.2%)
Graduate Degree1,903 (21.7%)

Education

No HS: 2.3%HS Grad: 34.7%Some College: 18%Associates: 15.1%Bachelors: 8.2%Graduate: 21.7%Edu
No HS2.3%
HS Grad34.7%
Some College18.0%
Associates15.1%
Bachelors8.2%
Graduate21.7%
Housing & Income

Housing Tenure

Owner: 74%Renter: 26%Tenure
Owner74.0%
Renter26.0%

Home Value Distribution

Under $50k
11%
$50k–$100k
12%
$100k–$150k
13%
$150k–$200k
11%
$200k–$300k
23%
$300k–$500k
19%
Over $500k
10%

Financials

Median HH Income$52,222 ▼ 32% below avg
Median Home Value$208,600 ▼ 25% below avg
Home/Income Ratio4.0x (nat avg ~3.5x)
Median Rent$776/mo
Total Housing Units5,988
Vacant Units916

Income Distribution

Under $25k
27%
$25k–$50k
19%
$50k–$75k
16%
$75k–$100k
14%
$100k–$150k
13%
$150k–$200k
6%
Over $200k
6%
Employment & Commute

How People Get to Work

Drove Alone
90%
Public Transit
0%
Walked
2%
Work From Home
8%

Commute Time

Under 15 min
19%
15–30 min
23%
30–45 min
36%
Over 45 min
22%
Housing Stock

Year Built

Before 1940
4%
1940s–1950s
3%
1960s–1970s
15%
1980s–1990s
19%
2000+
58%
About Monticello, FL

Monticello is a city in Florida, located in Jefferson County. The city spans 2 ZIP codes and is home to approximately 12,879 residents. It is a mature city, with a median age of 48 years.

Economically, Monticello is a working-class community. The median household income of $52,222 is below the national average. Approximately 20.0% of residents live below the poverty line. The unemployment rate is 6.1%, above the national average.

The real estate market in Monticello is an affordable housing market. Median home values stand at $208,600, which is below the national average. Renters typically pay around $776 per month. Homeownership is high at 74.0%, typical of suburban and family-oriented communities.

The population of Monticello is moderately educated. 29.9% of adults hold a bachelor's degree or higher — below the national average. The community is majority White (58.86%).

Monticello, FL offers residents a cost-conscious lifestyle within Florida. Spread across 2 ZIP codes, the city's neighborhoods vary in character, density, and demographics — explore each ZIP code below for a detailed breakdown.

ZIP Codes in Monticello
ZIPPopulationMedian IncomeMedian HomeMedian RentUnemp.CollegeOwner Occ.
32344 12,879 $52,222 $208,600 $776 6.1% 29.9% 74.0%