Monticello, IN

City in White County, IN, US

By Neilsberg Research

Last updated May 1, 2026

Key Indicators

A quick look at key numbers

Population

5,496

Source: U.S. Census Bureau American Community Survey (ACS) 2020-2024 5-Year Estimates

Median Age

44.5

years ∙ half population younger than 44.5, half older

Diversity Index

17.3%

chance two random people differ in race and ethnicity

Nativity

5.5%

foreign-born population

94.5%Native

5.5% Foreign-born

Geographic Context

Location, size, and surroundings

About

Monticello is a city within White County, Indiana, United States.

Location

City in White County, IN, US

Co-ordinates

DEC40.745231° N, 86.767256° W

DMS40° 44′ 42.83″ N, 86° 46′ 02.12″ W

Population Density & area

1,584/sq mi (612/km²)

Total Area

3.68 sq mi (9.53 km²)

Land Area

3.47 sq mi (8.98 km²) · 94.2%

Water Area

0.21 sq mi (0.55 km²) · 5.8%

Demographics & Living

Who lives here, how households are formed, and community composition

Population Composition

Key characteristics of the population

Sex Distribution

46% male

Male 46%

Female 54%

males per 100 females

Monticello 85.1

White County 97.6

Indiana 98.4

Nativity

5.5%

foreign-born population

94.5%Native

5.5% Foreign-born

% Foreign-born

Monticello 5.5%

White County 6.7%

Indiana 6.3%

Age Distribution

How the population is spread across age groups

Median Age

44.5

years ∙ half population younger than 44.5, half older

Monticello

44.5

White County

42.8

Indiana

38.1

Dependency ratio

75.3

dependents per 100 working-age adults

Monticello 75.3

White County 79.4

Indiana 66.7

AGE DISTRIBUTION

Distribution of age group

Median age

	Monticello	White County	Indiana
Age Group
Children (Under 18)	18.1%	23.1%	23.3%
Working age (18-64)	57%	55.7%	59.9%
Senior (65+)	24.9%	21.2%	16.8%
Dependency ratio
Total dependency ratio	75.3	79.4	66.7
Child dependency ratio	31.7	41.4	38.8
Old-age dependency ratio	43.6	38	27.9

Racial & Ethnic Composition

Racial and ethnic makeup and how it compares

Race & Ethnicity

White

90.6%

Black

0.4%

Asian

Hispanic

8.1%

Other

0.9%

Note: White, Black, and Asian refer to individuals belonging to a single race and not of Hispanic origin. Hispanics may be of any race.

Diversity Index

17.3%

chance two random people differ in race and ethnicity

Monticello 17.3%

White County 25.2%

Indiana 41.4%

Note: The Diversity Index (DI), based on the Blau Index, measures the probability that two randomly selected individuals differ in race and ethnicity. Values range from 0 (no diversity) to 1 (high diversity) and are shown as percentages.

RACIAL & ETHNIC COMPOSITION

Race & Ethnicity

Percentage of Monticello population

	Monticello	White County	Indiana
Hispanic or Latino	8.1%	10.7%	8.6%
Mexican	4.8%	4.4%	5.7%
Puerto Rican	0%	0.1%	0.8%
Cuban	0.3%	0.1%	0.1%
Other Hispanic / Latino	3%	6.1%	2%
Not Hispanic or Latino	91.9%	89.3%	91.4%
One race	91%	86.8%	87.6%
White	90.6%	85.8%	75.4%
Black or African American	0.4%	0.5%	9.1%
American Indian and Alaska Native	0%	0.1%	0.1%
Asian	0%	0.3%	2.6%
Native Hawaiian and Other Pacific Islander	0%	0%	0%
Some Other Race	0%	0.1%	0.4%
Two or more races (Multiracial)	0.9%	2.5%	3.8%

Household & Families Composition

Household size, type, and family structure

Household structure

51.6% family

Family 51.6%

Non family 48.4%

% family households

Monticello 51.6%

White County 64.8%

Indiana 63.7%

Average household size

2.13

persons per household

Monticello

2.13

White County

2.39

Indiana

2.46

Household & Family COMPOSITION

Households

Percentage of Monticello population

	Monticello	White County	Indiana
Total households	2,481	10,254	2,716,009
Average houshold size	2.13	2.39	2.46
Family households	1,279	6,648	1,729,978
Average family size	2.87	2.94	3.07
Married couple family	844	5,078	1,284,219
Other families	435	1,570	445,759
Male householder	152	710	137,811
Female householder	283	860	307,948
Non-family households	1,202	3,606	986,031
One-person households	1,055	3,079	803,751
Male householder	324	1,310	374,646
Senior (65+) living alone	98	426	109,929
Female householder	731	1,769	429,105
Senior (65+) living alone	397	1,000	217,057
Other living arrangements	147	527	182,280

Housing Profile

Housing stock, ownership, rentals, and cost burdens

Total housing units

2,688

housing units

Monticello 2,688

White County 12,961

Indiana 2,976,568

Occupancy status

92.3% occupied

Occupied 92.3%

Vacant 7.7%

vacancy rate

Monticello 7.7%

White County 20.9%

Indiana 8.8%

Housing Characteristics

How the housing supply is structured and used

Types of Housing unit

67%

Single family houses

67%

Apartments in multi-unit structures

32.9%

Mobile homes

Boat, RV, van, etc

Median Year Built

1959

Half of houses were built before 1959, and half after.

Historic ∙ 1939 or earlier

22.3%

Postwar & mid-century ∙ 1940 - 1969

35.2%

Late 20th century ∙ 1970 - 1999

36.2%

Modern ∙ 2000 or later

6.3%

Note: Median year built reflects occupied units only; distribution includes all units.

Housing Characteristics

Units, rooms & bedrooms

Physical characteristics of housing units

	Monticello	White County	Indiana
Rooms per unit
Median rooms	5.7	6.1	5.9
1–3 rooms	16%	6.1%	10.5%
4–6 rooms	51.6%	51.3%	51.4%
7+ rooms	32.2%	42.7%	38.2%
Bedrooms
No bedroom / studio	2.5%	0.9%	1.7%
1 bedroom	15.2%	6%	9.2%
2 bedrooms	35.9%	28.7%	24.7%
3 bedrooms	29.5%	43.2%	43.3%
4+ bedrooms	16.9%	21.2%	21.1%
At a glance
Median year built	1959	1970	1977
Total housing units	2,688	12,961	2,976,568

Occupancy Profile

Who is inside and how they use it

Homeownership

64.7% owners

Renter-occupied 35.3%

Owner-occupied 64.7%

homeownership rate

Monticello 64.7%

White County 81%

Indiana 70.6%

Average household size

2.31

Owner-occupied

1.8

Renter-occupied

owner-occupied average size

Monticello 2.31

White County 2.44

Indiana 2.58

Housing Characteristics

Occupied unit characteristics

Tenure, crowding, and utilities

	Monticello	White County	Indiana
Total occupied units	2,481	10,254	2,716,009
Year moved in
2020 or later	28.4%	20.5%	23.9%
2010 to 2019	33.1%	36.6%	39.6%
2000 to 2009	16.2%	18.5%	16.3%
1999 or earlier	22.2%	24.4%	20.2%
Occupants per room
1.00 or fewer	99.2%	98.5%	98.2%
1.01 to 1.50	0.8%	1.2%	1.3%
1.51 or more	0%	0.2%	0.6%
Vehicles availability
No vehicles	6.5%	3.2%	6.2%
1 vehicle	46%	28.7%	32%
2 vehicles	39.5%	44%	38.2%
3 or more vehicles	8%	24%	23.6%
House heating fuel used
Gas	70.4%	78.9%	65.8%
Electricity	29%	18.3%	31.2%
Solar	0%	0%	0.1%
Fuel oil, kerosene etc	0%	0.4%	0.5%
All other fuels	0.6%	2.2%	2%
No fuel used	0%	0.1%	0.5%
Selected characteristics
Lacking complete plumbing	0%	0.1%	0.4%
Lacking complete kitchen	1.8%	0.8%	0.8%
No telephone service available	0.6%	0.9%	0.9%

Housing Value

What owner-occupied units are worth

Median home value

$149,600

owner-occupied units

Median value(USD)

Monticello

$149,600

White County

$175,900

Indiana

$218,200

Housing Cost Burden

15.7%

of homeowners with a mortgage are cost-burdened

% Cost-Burdened Households

Owners with a mortgage

15.7%

Owners without a mortgage

16.5%

Renters

46.5%

Note: Households spending 30% or more of their income on housing costs are considered cost-burdened.

Financial characteristics

Property value and housing costs

Tenure, crowding, and utilities

	Monticello	White County	Indiana
Property value
Median Value	$149,600	$175,900	$218,200
Under $100,000	11.4%	18.1%	16.1%
$100,000 - $200,000	62.3%	38.8%	28.5%
$200,000 - $300,000	20.1%	23.9%	25.1%
$300,000 - $500,000	4.1%	13.3%	21.8%
$500,000 - $1,000,000	2%	5.8%	7.3%
$1,000,000 and more	0%	0.2%	1.2%
Owner-occupied households
With a mortgage	67.9%	62%	63.6%
Without a mortgage	32.1%	38%	36.4%
Median monthly owner costs
With a mortgage	$1,173	$1,302	$1,404
Without a mortgage	$445	$466	$517
Gross rent
Median rent	$927	$901	$1,062

Education Profile

How educated is the community and how education pays off

Adults with a college degree

12.4%

of adults 25+ with a bachelor's degree or higher

Monticello 12.4%

White County 19.2%

Indiana 29.5%

Adults without a high school diploma

8.5%

of adults (25+) without a high school diploma

Monticello 8.5%

White County 9.3%

Indiana 9.6%

School Enrollment

Who is enrolled in school and at what level

School enrollment

1,084

population (age 3+) enrolled in school

Nursery / Preschool

3.3%

K–12

83.5%

College / Undergraduate

12%

Graduate / Professional

1.2%

College-going rate (18-24 yr olds)

8.5%

of 18-24-year-olds in college or graduate school

Monticello

8.5%

White County

20.1%

Indiana

37.8%

Enrollment & school type

Enrollment levels, college-going rate, and public vs private school split

Population 3+ currently enrolled in a school

	Monticello	White County	Indiana
Total enrolled (age 3+)	1,084	5,203	1,654,330
Nursery / preschool	3.3%	5.3%	5.8%
K–12	83.5%	81.9%	70.1%
Kindergarten	3.8%	6.4%	5.2%
Elementary: Grades 1–4	21%	26.5%	20.9%
Elementary: Grades 5–8	19.5%	20.2%	21.8%
High School: Grades 9–12	39.2%	28.8%	22.1%
College or graduate school	13.2%	12.8%	24.1%
College, undergraduate	12%	11.6%	19%
Graduate, professional school	1.2%	1.1%	5.1%
College-going rate · 18-24 yr olds	8.5%	20.1%	37.8%
School type
Public school	88.1%	92%	81.6%
Private school	11.9%	8%	18.4%

Education Attainment by Level & Gender

What is the highest level of education completed among adults

Education attainment

4,020

population 25 years and over

Total adults (25+)

Less than 9th grade

1.9%

9th-12th, no diploma

6.6%

HS graduate

51.5%

Some college no degree

20%

Associates degree

7.7%

Bachelors degree

8.9%

Graduate or professional degree

3.5%

Attainment by gender

Male vs Female

Adults (25+) · Share within each education level

% male · % female

Less than 9th grade

78.7% · 21.3%

9th-12th, no diploma

56.1% · 43.9%

HS graduate

45.5% · 54.5%

Some college no degree

57.7% · 42.3%

Associates degree

12.3% · 87.7%

Bachelors degree

52.2% · 47.8%

Graduate or professional degree

14.1% · 85.9%

Educational Attainment Overview

Distribution and key education attainment rates for adults (25+)

Highest credential completed · adults 25+

	Monticello	White County	Indiana
Population (25+)	4,020	17,152	4,596,004
Less than 9th grade	1.9%	3.5%	3.6%
9th–12th, no diploma	6.6%	5.8%	6%
High school diploma or GED	51.5%	41.8%	32.5%
Some college, no degree	20%	20.3%	19.3%
Associate's degree	7.7%	9.3%	9.1%
Bachelor's degree or higher	12.4%	19.2%	29.5%
Bachelor's degree	8.9%	14.1%	18.7%
Graduate or professional	3.5%	5.1%	10.8%
High School or higher	91.6%	90.6%	90.4%

Earnings by education level

percentage as applicable

Median Earnings

$45,138

Median earnings for adults 25+, by level

Less than HS graduate

$41,667

HS graduate

$41,524

Some college or associates

$45,705

Bachelors degree

$44,737

Graduate or professional degree

$61,458

Poverty Rate

for ages 25+, with bachelors degree or higher

Less than HS graduate

6.4%

HS graduate

12.4%

Some college or associates

6.4%

Bachelors degree or higher

Outcomes by Education Level

Earnings and poverty rates across education levels (25+)

Adults 25+

	Monticello	White County	Indiana
Median earnings
Population 25+, with earnings	$45,138	$47,390	$49,693
Less than high school graduate	$41,667	$39,688	$34,287
High school graduate (includes equivalency)	$41,524	$44,180	$40,411
Some college or associate's degree	$45,705	$49,284	$47,119
Bachelor's degree	$44,737	$60,540	$62,429
Graduate or professional degree	$61,458	$62,692	$79,544
Poverty rates
Less than high school graduate	6.4%	17.1%	23.6%
High school graduate (includes equivalency)	12.4%	11.1%	12.6%
Some college or associate's degree	6.4%	6.5%	9%
Bachelor's degree or higher	3%	3%	4%

Insights for Monticello, by topic

Income By year By race By age By gender

Population By year By race By age By gender

About Neilsberg Research

Neilsberg Research team are data scientists with expertise in processing, analysis and visualization of big data helping small businesses make right decisions.

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