Verified town profile

Monticello, Iowa

Incorporated municipality · Population 4,104

Monticello is an incorporated municipality of 4,104 residents in Iowa. Its nearest regional center is Dubuque, IA, about 51 minutes away by car. The median home value is $175,200.

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Townsteading score: 83.7
Confidence: High data confidence
Data updated: Jul 26, 2026

Included in the verified public directory after passing every published screening rule. How verification works.

At a glance

Population: 4,104
Median home value: $175,200
Median household income: $70,015
Nearest regional city: Dubuque
Drive time: 51 minutes
Walkability score: 79.2
Homeownership rate: 71%
Townsteading score: 83.7

The case

Why Monticello is included

Monticello appears in the public directory because it passes every published screening rule: its population of 4,104 falls within the 1,000–5,000 resident screening band; its nearest regional center, Dubuque, is reachable in about 51 minutes by car, inside the 60-minute limit; its town-center walkability analysis completed successfully.

Beyond the screen: its median home value of $175,200 is about 2.5 times median household income; its nationally normalized walkability score is 79 out of 100; OpenStreetMap data records 33 tracked everyday destinations within a 15-minute walk of its center.

The place

Local map

Map key

Bank
Civic destination
General retail
Grocery
Library
Park
Pharmacy
Place of worship
Post office
Restaurant or café
School

About this map

The map is centered on Monticello (42.2304, -91.1859) and shows the municipal boundary from 2025 Census TIGER/Line data. Basemap data © OpenStreetMap contributors.

Reachable destinations shown on the map

Sacred Heart Catholic School School · Approximate network distance: 226 m
Riverside Gardens Park · Approximate network distance: 676 m
Sacred Heart Catholic School School · Approximate network distance: 277 m
Saint Matthews Lutheran Church Place of worship · Approximate network distance: 126 m
Monticello Baptist Church Place of worship · Approximate network distance: 313 m
First Presbyterian Church Place of worship · Approximate network distance: 335 m
Peace United Church of Christ Place of worship · Approximate network distance: 446 m
First Congregational Church Place of worship · Approximate network distance: 204 m
Monticello Post Office Post office · Approximate network distance: 73 m
Monticello Public Library Library · Approximate network distance: 277 m
Subway Restaurant or café · Approximate network distance: 878 m
Ohnward Bank & Trust Bank · Approximate network distance: 712 m
Darrell's A Family Tradition Restaurant or café · Approximate network distance: 681 m
Restaurant or café Restaurant or café · Approximate network distance: 598 m
Restaurant or café Restaurant or café · Approximate network distance: 598 m
Fidelity Bank & Trust Bank · Approximate network distance: 1081 m
Pharmacy Pharmacy · Approximate network distance: 351 m
General retail General retail · Approximate network distance: 238 m
Citizens State Bank Bank · Approximate network distance: 359 m
Place of worship Place of worship · Approximate network distance: 335 m
Karde's Convenience Store Grocery · Approximate network distance: 0 m
St. Matthew Lutheran Church Place of worship · Approximate network distance: 126 m
Dollar Fresh Market Grocery · Approximate network distance: 703 m
Park Park · Approximate network distance: 404 m
Fareway Grocery · Approximate network distance: 387 m
Sacred Heart Catholic Church Place of worship · Approximate network distance: 229 m
Civic destination Civic destination · Approximate network distance: 277 m
General retail General retail · Approximate network distance: 312 m
Shannon Elementary School School · Approximate network distance: 1090 m
Monticello Middle School School · Approximate network distance: 728 m
Monticello City Park Park · Approximate network distance: 694 m
Jacobs Park Park · Approximate network distance: 1185 m
DuTrac Community Credit Union Bank · Approximate network distance: 872 m

Destinations are derived from OpenStreetMap and may be incomplete or outdated.

Daily-life access within a 15-minute walk of the center

3 grocery stores
1 pharmacy
4 restaurants and cafes
1 library
1 post office
4 parks and playgrounds
4 schools
1 civic building
4 banks
2 general retail stores
8 places of worship

Destination counts come from OpenStreetMap and may understate what exists on the ground.

Housing

Housing and affordability

Median home value: $175,200
Median gross rent: $722
Median household income: $70,015
Home value ÷ income: 2.5
Poverty rate: 6.0%

Owner-occupied: 71.1%
Vacancy rate: 8.4%
Homes built before 1940: 19.5%
Homes built before 1960: 42.4%
Population density (per sq mi): 729

American Community Survey 5-year estimates, reference period 2020–2024. Where a value reads “Data unavailable,” the estimate was not reported or did not pass quality checks for this place.

Access

Regional access

Townsteading does not require isolation. Every verified town has a modeled driving route of no more than 60 minutes to a regional center — a city with the hospitals, suppliers, and services a small town leans on.

Nearest regional city: Dubuque, IA
Regional city population: 59,148
Modeled drive time: 51 minutes
Routed distance: 39.1 miles
Straight-line distance: 30.7 miles

Drive times are modeled with OSRM over the OpenStreetMap road network (July 2026). They are not live traffic estimates and will vary with conditions.

Community

Closest Orthodox parish

St. George Church

Modeled drive time: Approximately 42 minutes by car
Routed distance: 32.7 driving miles
Address: 3650 Cottage Grove Ave SE Cedar Rapids, IA 52403
Jurisdiction: Antiochian
Phone: 319.363.1559

Parish website

Parish information is based on the Orthodoxy in America directory, retrieved July 27, 2026. Drive time is modeled from the current OSRM route calculation and may change.

Form

Walkability and settlement form

Overall walkability: 79.2
Destination access: 97.0
Network connectivity: 69.0
Compactness: 59.5

The walkability score models what can be reached on foot from the town center over the street network in about 15 minutes: everyday destinations, the connectedness of the street grid, and the compactness of the town's form. Scores are normalized nationally across the candidate corpus, from 0 to 100.

These are modeled measures of urban form derived from OpenStreetMap. They do not confirm sidewalk coverage, crossings, lighting, or pedestrian safety, and OpenStreetMap data may be incomplete in small towns.

People

People and households

Median age: 42.6
Average household size: 2.1
Average family size: 2.9
Mean commute: 18 minutes

Age

Under 18: 20.3%
18–24: 6.8%
25–44: 24.4%
45–64: 26.1%
65 and over: 22.4%

Households

Family households: 50.4%
Nonfamily households: 49.6%
Households with children: 24.9%
Married-couple families: 79.7%
Single-parent families: 12.6%
One-person households: 40.1%

Education (25+)

Less than high school: 5.8%
High school diploma: 33.4%
Some college: 25.5%
Associate degree: 15.6%
Bachelor's degree: 13.4%
Graduate degree: 6.2%
Bachelor's degree or higher: 19.7%

“Bachelor's degree or higher” is a subtotal of the two degree rows above it.

Race and ethnicity

White: 92.2%
Black: 1.9%
American Indian / Alaska Native: 0.0%
Asian: 1.1%
Native Hawaiian / Pacific Islander: 0.0%
Some other race: 0.6%
Two or more races: 4.2%

Ethnicity, reported separately

Hispanic or Latino (any race): 2.9%
White, not Hispanic or Latino: 92.2%

Hispanic or Latino may be of any race, so the ethnicity rows overlap with the race rows above and are reported separately.

American Community Survey estimates. Race and ethnicity are reported factually for research context and are never used as a compatibility or ranking factor.

Assessment

Strengths and limitations

Potential strengths

Median home value of $175,200 sits below the $200,000 affordability benchmark used in screening.
Housing costs about 2.5 times median household income — inside the 3× benchmark.
Walkability score of 79/100 on the nationally normalized scale.
3 Grocery stores within a 15-minute walk of the town center.
71% of occupied homes are owner-occupied.

Important limitations

Regional access requires a longer drive — about 51 minutes to Dubuque.
Walkability scores model street-network access to destinations; they do not confirm sidewalk coverage, crossings, or pedestrian safety.

Townsteading is a research tool, not a sales pitch. Nothing on this page is real-estate, financial, legal, safety, or relocation advice.

Provenance

Data and methodology

Townsteading score: 83.7 / 100
Confidence: High data confidence (96 / 100)
Profile data updated: July 26, 2026
Verification: Passes every published screening rule

Sources

U.S. Census Bureau Gazetteer Places. Vintage 2025 — identity, boundaries, coordinates.
U.S. Census Bureau Population Estimates. Vintage 2025 — place population.
American Community Survey 5-year estimates. 2024 release, reference period 2020–2024 — housing, income, demographics.
OpenStreetMap. Street network and everyday destinations for walkability analysis.
OSRM routing. Modeled driving time to the nearest regional center; not live traffic.

Read the full methodology Report a correction

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