City profile · Virginia · Census ACS 2023

Lake Monticello, VA

Lake Monticello's Census ACS profile: residents, income, housing, and the joined public-record layers available for this place.

10,820
Residents
$101,363
Median income
$288,300
Median home
$1,369
Median rent (state)
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Starting with Lake Monticello, VA - add up to three more cities on the compare page.

See how it ranks

State rank, size-class rank, and four peer cities for Lake Monticello.

Place dossier plate

Sheet VA-LAKE-MONTICELLO-VA · Lake Monticello, VA 10,820 pop · income 79th pct · 5 tracts

POP-TOWN · INC-HIGH · COL-PAR · SAFE-UNK · RANK-UPPER · PHOTO-FINISH · HOME-MID · BOOK-FEW

  • POP-TOWN 10,820
  • INC-HIGH $101,363
  • COL-PAR 101.1
  • SAFE-UNK Safety pending
  • RANK-UPPER 79th
  • PHOTO-FINISH ≈ Langdon Place
  • HOME-MID $288,300
  • BOOK-FEW 5 tracts

Nearest income peer: Langdon Place, KY (+ $1 income $)

Instrument codes from this place’s ACS population and household income, BEA state COL, FBI safety, national income percentile, photo-finish peer city, home-value band, and matched Census-tract book - not a moving recommendation.

Income neighbourhood around Lake Monticello

Lowest/highest poles plus peers nearest Lake Monticello on median household income. Full ladder: /browse and /rankings.

median HH income

What this shows Neighbourhood peers only - not a full nationwide city board. Open a near peer when the gap is small; open the poles when the spread is wide.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2026-08-08

Compare beyond this state

Nationwide peers by population, income

Out-of-state nearest neighbors for Lake Monticello on ACS population and median household income . Link sets are deduped so each column is a distinct comparison path, not a forecast that peers share a labor market or climate.

Similar population

Nearest out-of-state cities by ACS population. This city: 10,820.

4 peers

Similar household income

Nearest out-of-state cities by ACS median household income. This city: $101,363. Population peers are excluded.

4 peers

Lake Monticello - the verdict

Out of every US city with 1,000+ residents, Lake Monticello places in the 79th percentile for household income. Source: Census ACS.

79th
percentile, household income
63rd
percentile, home value
62nd
percentile, median rent
📝 How we sourced this

Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.

Data Snapshot: Lake Monticello, VA

Virginia's Lake Monticello is a small town, with 10,820 residents per the latest Census Bureau ACS figures. Lake Monticello households earn a median of $101,363 annually, placing it in the top quartile of U.S. cities for household income, with a poverty rate of 3.3%. Lake Monticello's housing stock carries a median value of $288,300, and the median resident age is 40.7 years. 49.8% of adults here have a bachelor's degree or higher; 60.2% of working-age residents are in the labor force.

Virginia tracks close to the national cost-of-living baseline: the state registers 101.1 on a 100-equals-national-average index (Near Average) per BEA Regional Price Parities 2024. HUD Fair Market Rent for a typical two-bedroom in this state is $1,369 per month. Statewide, average monthly utility bills in Virginia run around $235, per EIA 2023 residential energy data. On FEMA's National Risk Index, this area rates 33.3 out of 100 for natural-hazard exposure (Very Low).

A decision-led reading path

Useful questions to ask of Lake Monticello's data

How this reading path is ordered

This is not a composite city score. It is a city-specific route through the available public records, ordered for this profile so the page starts with questions the joined data can actually answer. The route here runs from comparison shortlist to housing and income to within-city variation to work and mobility; another city can have a different sequence or fewer supported layers because the source joins are not uniform.

For Lake Monticello, city-specific coverage includes commute-mode shares, within-city Census tract profiles. No matched row is reported here for FBI reported-crime rates, annual population history, matched public-school count, local building permits; the page leaves those layers out instead of substituting a statewide or national value.

Question 1

Which cities make useful reference points for Lake Monticello?

Within Virginia, the closest population matches are Lake Barcroft (10,678 residents, $143,796 income); Yorkshire (10,678 residents, $107,283 income); Gloucester Point (11,159 residents, $71,589 income). Outside the state, the closest population matches in this dataset are Garden, SC (10,820 residents); Montgomery, OH (10,816 residents); De Witt, NY (10,815 residents). A third, income-matched reference set of 6 out-of-state cities sits in the income neighbourhood chart near the Place Dossier plate. These are mechanical peer sets, not claims that the places share a labor market, climate, culture, or metro context.

Use the in-state set to hold state policy and broad price conditions more nearly constant. Use the nationwide size set to ask whether cities with a similar resident count produce different housing, income, or commute outcomes. The income set is a third lens, deliberately separate from population matching.

Open a side-by-side comparison →

Question 2

How far does income reach against housing in Lake Monticello?

The home-value-to-income reference sits in a middle range: the ACS median home value is 2.8 times median household income. The ACS poverty estimate is 3.3%, which keeps the citywide median from describing every household.

This is a citywide price-to-income reference, not a mortgage-affordability test; it does not include interest rates, taxes, insurance, household size, or an individual buyer's down payment. Income and home value move within the same broad scale here. The useful next check is not a generic affordability label, but whether similar-size cities offer a materially different income, housing, or commute trade-off.

Compare the housing trade-off →

3. Within-city variation

What can 5 Census tracts reveal inside Lake Monticello?

That layer breaks the citywide income, rent, and home-value medians into smaller Census geographies, which can reveal differences that one municipal median necessarily hides. A tract is a statistical area, not a locally defined neighborhood or a promise about conditions on a particular block. Start with the city profile for the broad comparison, then use the tract layer to test whether the same housing and income pattern is consistent across the city. Large within-city spreads are a reason to avoid treating any citywide median as a universal resident experience.

PlainCities matches 5 Census tracts to this city.

Explore Lake Monticello's tract profiles →

4. Work and mobility

What does the journey to work look like in Lake Monticello?

Mode share answers how workers usually travel; it does not measure congestion, reliability, distance to a particular job, or the quality of transit service. Remote work has a visible role in the local pattern. That can reduce commute exposure for some workers, but it says nothing about job availability or broadband quality; read it alongside income and housing rather than as a stand-alone lifestyle score.

Driving alone is the largest reported mode at 68.4%. A reliable mean commute time is not available for this row, so the mode shares carry the comparison.

Compare commute patterns →

Population

10,820 residents

Small city (10k–49k)

Median Household Income

$101,363 /yr

High income · poverty 3.3% (Low poverty)

Cost of Living Index (state)

101.1 (US=100)

Above-average cost · BEA RPP 2024, Virginia average

City profile score · Lake Monticello, VA

68/100

4 published dimensions · ACS/FBI 2023

Comparative score against U.S. cities with population of 1,000 or more on Census ACS medians (income, poverty, bachelor's share, cost of living) and FBI UCR violent-crime rates when published. Higher means a stronger standing on those published figures, not a livability rating, not a recommendation to move, buy, or pick a "best" city. Missing inputs drop out and redistribute weight. How it is calculated.

Bachelor's+ share A-
49.8%

Adults with a bachelor's degree or higher; ACS.

Household income B+
$101,363

Median household income vs U.S. cities (pop ≥1,000); ACS.

Poverty rate B+
3.3%

Share of residents below the poverty line; lower scores better on this axis.

Cost of living F
101.1 index

BEA state Regional Price Parities index (100 ≈ national average); lower is stronger on this axis. Same value for every city in the state.

Violent crime N/A
N/A

No FBI UCR violent-crime rate for this place (coverage is incomplete).

Lake Monticello profile (scored ACS/FBI dimensions) 4-axis radar comparing 1 series across Bachelor's+ share, Household income, Poverty rate, Cost of living. Bachelor's+ shareHousehold incomePoverty rateCost of living 68 B-
Lake Monticello profile (scored ACS/FBI dimensions)
Read the chart values
  • Bachelor's+ share: 84/100 (A-) · 49.8%
  • Household income: 77/100 (B+) · $101,363
  • Poverty rate: 76/100 (B+) · 3.3%
  • Cost of living: 35/100 (F) · 101.1 index

How does Lake Monticello compare to other US cities?

Here's how Lake Monticello stacks up against the full field of US cities (population 1,000+), computed live from Census and FBI data.

Household income 79% higher than other cities
Home value 63% pricier than other cities
Median rent 62% pricier than other cities

"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.

How we calculate these percentiles & ranks

Each percentile compares Lake Monticello against every qualifying US city; each in-state rank narrows that to Virginia only. Full formula and direction notes: methodology.

Virginia-relative analysis

Median Gross Rent places Lake Monticello near the bottom of Virginia's cities

Among the 619 Virginia cities PlainCities tracks with reported median gross rent data, Lake Monticello ranks #1 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Lake Monticello only against its own state's cities, not the full US field.

Median Household Income
#164 of 558
71st percentile in Virginia
Median Gross Rent
#1 of 619
0th percentile in Virginia
Median Home Value
#234 of 567
59th percentile in Virginia
Poverty Rate
#384 of 616
37th percentile in Virginia
Bachelor's Degree or Higher
#146 of 618
76th percentile in Virginia
How in-state ranks are ordered

Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within Virginia only, not a livability score. See the methodology for the source and calculation.

79thIncome percentile
Gauge source note

79th percentile nationally for median household income. Source: Census ACS 2023 / FBI UCR 2023.

How Lake Monticello's home value compares nationally

Median home value vs. every US city (population 1,000+)

$288,300 37th percentile more affordable than 37% of 15,600 US cities

Show national distribution $0–$25,000: 5 US cities (0%). Below this entry. $25,000–$50,000: 54 US cities (0%). Below this entry. $50,000–$75,000: 352 US cities (2%). Below this entry. $75,000–$100,000: 1,086 US cities (7%). Below this entry. $100,000–$125,000: 1,516 US cities (10%). Below this entry. $125,000–$150,000: 1,170 US cities (8%). Below this entry. $150,000–$175,000: 1,278 US cities (8%). Below this entry. $175,000–$200,000: 1,229 US cities (8%). Below this entry. $200,000–$225,000: 1,035 US cities (7%). Below this entry. $225,000–$250,000: 976 US cities (6%). Below this entry. $250,000–$275,000: 754 US cities (5%). Below this entry. $275,000–$300,000: 712 US cities (5%). This entry sits in this band. $300,000–$325,000: 521 US cities (3%). Above this entry. $325,000–$350,000: 526 US cities (3%). Above this entry. $350,000–$375,000: 465 US cities (3%). Above this entry. $375,000–$400,000: 393 US cities (3%). Above this entry. $400,000–$425,000: 317 US cities (2%). Above this entry. $425,000–$450,000: 300 US cities (2%). Above this entry. $450,000–$475,000: 307 US cities (2%). Above this entry. $475,000–$500,000: 250 US cities (2%). Above this entry. $500,000–$525,000: 160 US cities (1%). Above this entry. $525,000–$550,000: 156 US cities (1%). Above this entry. $550,000–$575,000: 172 US cities (1%). Above this entry. $575,000–$600,000: 172 US cities (1%). Above this entry. $600,000–$625,000: 163 US cities (1%). Above this entry. $625,000–$650,000: 167 US cities (1%). Above this entry. $650,000–$675,000: 135 US cities (1%). Above this entry. $675,000–$700,000: 101 US cities (1%). Above this entry. $700,000–$725,000: 95 US cities (1%). Above this entry. $725,000–$750,000: 71 US cities (0%). Above this entry. $750,000–$775,000: 65 US cities (0%). Above this entry. $775,000–$800,000: 70 US cities (0%). Above this entry. $800,000–$825,000: 57 US cities (0%). Above this entry. $825,000–$850,000: 67 US cities (0%). Above this entry. $850,000–$875,000: 60 US cities (0%). Above this entry. $875,000–$900,000: 58 US cities (0%). Above this entry. $900,000–$925,000: 47 US cities (0%). Above this entry. $925,000–$950,000: 37 US cities (0%). Above this entry. $950,000–$975,000: 31 US cities (0%). Above this entry. $975,000–$1,000,000: 470 US cities (3%). Above this entry. $1,000,000–$1,025,000: 0 US cities (0%). Above this entry. Lake Monticello $0 $1,025,000 every US city, bucketed by value

Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau ACS 5-Year Estimates · 2023

Lake Monticello's home-value-to-income ratio: 2.8×

ACS median home value divided by median household income.

Band
affordable
< 3.0×
National rank
#5,826 of 15,516
More affordable than 62% of tracked cities (pop. 1,000+)
Size class
#697 of 3,317
Small cities (10,000–49,999)

At 2.8×, Lake Monticello sits in the affordable band: national rank #5,826 of 15,516 and #697 of 3,317small cities (10,000–49,999). The multiple is comparatively compact among tracked cities, but a low ratio can still coexist with slow demand or household-level hardship.

How this ratio is calculated

Ratio = Census ACS 2023 median home value ÷ median household income for cities with both fields and population ≥ 1,000. Rank 1 = lowest ratio (most compact). Bands match the fleet affordability thresholds used on guides (<3.0 / 3.0–5.0 / >5.0). This is not a mortgage payment estimate and does not include rates, taxes, insurance, or down payment.

Income distribution context

$101,363 Lake Monticello, VA median household income (Census ACS)

Show U.S. national quintile / Lorenz context Household income distribution - Lake Monticello, VA Lake Monticello, VA's median household income ($101,363) against the U.S. national quintile-share pattern. The Lorenz curve and quintile bars are national context, not Lake Monticello, VA-specific shares. $ Household Income Distribution Lake Monticello, VA median $101,363/yr, vs. U.S. national quintile pattern QUINTILE SHARE OF AGGREGATE INCOME Lowest 20% 3.4% Second 20% 9.2% Middle 20% 15.1% Fourth 20% 23.2% Top 20% 49.1% LORENZ CURVE cumulative income vs. population 100% 0% 100% pop. 0%
Lake Monticello, VA median household income (Census ACS 5-year) with U.S. national quintile shares for context. Diagonal = equality; the curve is national, not computed for Lake Monticello, VA.

Key socioeconomic indicators

Bachelor's degree or higher (adults 25+) 49.8%

Census ACS S1501, educational attainment

Poverty rate (households below FPL) 3.3%

Census ACS S1701, poverty status

Labor force participation (adults 16+) 60.2%

Census ACS S2301, share of working-age residents in the labor force

Population
10,820
Median Income
$101,363
Median Home Value
$288,300
Median Age
40.7
Poverty Rate
3.3%
Labor force participation
60.2%
Bachelor's Degree+
49.8%

Commute Patterns

Commute source

How workers travel to work, Census ACS 2023

Drive Alone
68.4%
Carpool
9.3%
Public Transit
0.0%
Walk
1.8%
Work from Home
18.0%
Other
2.5%

Based on 5,135 workers 16 and over.

Monthly Utility Costs

Virginia statewide monthly utility average (EIA 2023): $235

EIA 2023 residential energy data puts average monthly utilities across Virginia at $235 (electricity about $115 , water and sewer about $50 ).

These are Virginia statewide averages, not a meter reading for Lake Monticello. Actual bills vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.

Living Costs & Risk

Virginia's BEA cost-of-living index is 101.1 (Near Average; US average = 100, RPP 2024). HUD Fair Market Rent for a typical two-bedroom in the county around Lake Monticello is $1,369/mo. FEMA's National Risk Index, averaged to Virginia statewide on PlainCities, rates natural-hazard exposure at 33.3 / 100 (Very Low).

Cost/risk geography note

Cost of living is a Virginia statewide BEA average; rent is a county-level HUD Fair Market Rent for the county Lake Monticello sits in; the FEMA hazard score shown here is a statewide average of county NRI inputs, not a parcel-level reading.

How Lake Monticello compares to similar-size Virginia cities

Same-state peer method

Closest same-state population matches, not geographic neighbors. Population + median household income come from Census Bureau ACS 5-year B01001 and B19013.

City Population Median Household Income
Lake Monticello (this city) 10,820 $101,363
Lake Barcroft 10,678 $143,796
Yorkshire 10,678 $107,283
Gloucester Point 11,159 $71,589
Primary sources on this page

Source: U.S. Census Bureau ACS 5-Year 2023, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.

Read our methodology - how this data is sourced, computed, and verified.

Citation & verification links Data sourced from the U.S. Census Bureau. See our methodology for details. Retrieved and formatted by PlainCities

Primary sources: Census ACS, FBI UCR, NOAA Climate Normals, NCES. Joins use OMB Bulletin 23-01 / FIPS keys.

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Estimate caveats

ACS and UCR figures are citywide estimates with vintage lags; they do not replace a local visit, school visit, or insurance quote.

Editorial standards, provenance, and how to cite this page

Every figure on PlainCities is rendered directly from Census ACS source data, no number is typed in by an editor. This page draws directly on Census ACS source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

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