Housing, rent, and a comparison to the US average.
The median home value in Monticello, KY is $159,322 as of 2026-04. That places Monticello below the US average for housing cost, with a cost index of approximately 45 versus a national baseline of 100.
Over the past 12 months, the median home value in Monticello has fallen 3.9%, and over the past five years it has averaged +7.1% annual growth. The current price sits -4.9% from its 5-year peak in 2025-06.
Beyond housing, day-to-day costs in Monticello are shaped by state and local taxes, utility rates, transportation, and groceries. This page focuses on the housing component, which is the largest single line in most household budgets and the easiest to compare across cities using consistent national data.
Housing
| Median home value | $159,322 |
| 1-year change | -3.9% |
| 5-year CAGR | +7.1% |
| 10-year CAGR | +7.7% |
| vs 5-year peak | -4.9% |
Source: Zillow Home Value Index (ZHVI).
How Monticello compares
| Cost index | 45 (below US) |
| Median home vs US (~$355k) | -55.1% |
| Population | 5,726 |
| Momentum score | 56 (Stable) |
Cost index is currently a housing-only proxy; full BLS basket coming with ACS pull.
Sources: Zillow ZHVI (home values), Zillow ZORI (rents), US Census ACS + place population. Updated when source agencies publish revisions.