| Metric | Latest | Detail |
|---|---|---|
| Median listing price | $289,900 | -12.2% YoY |
| Median price per sq ft | $185 | 1,737 sq ft median |
| Median days on market | 72 | +20% YoY |
| Active listings | 108 | +18% YoY |
| New listings this month | 34 | September 2026 |
| Listings with a price cut | 24% | Share of active |
| Pending-to-active ratio | 35.6% | 39 pending |
| Inventory vs 2019 | 96% | Active listings vs same month in 2019 |
Metropolitan market · Indiana · September 2026 data
What is the Monticello, IN real estate market doing?
As of September 2026, the median home listed in Monticello, IN asks $289,900, down 12.2% year over year. Homes spend a median of 72 days on market, with 108 active listings and 24% carrying a price cut; pending contracts equal 36% of active listings, and inventory sits at 96% of the same month in 2019 — a balanced market. Figures come from public records and industry data, updated monthly.
Median listing price
$289,900
▼ 12.2% YoY
Median $ / sq ft
$185
1,737 sq ft median
Median days on market
72
September 2026
Active listings
108
For sale now
New listings
34
September 2026
Listings with price cuts
24%
Share of active
Inventory vs 2019
96%
Same month, 2019 = 100
Pending / active
36%
Contract activity
What is the Monticello, IN housing market doing right now?
The Monticello, IN housing market lists at a $289,900 median as of September 2026, down 12.2% year over year, with a 72-day median market time and 108 homes for sale (24% with a price cut). Active inventory is 96% of the 2019 level, reading as a balanced market by days-on-market pace.
Monticello housing market statistics
The table summarizes Monticello's key housing figures for September 2026 — median listing and closed-sale prices, market pace, inventory and rental yield — each computed from public records and industry data.
How have home prices changed in Monticello?
Monticello home prices are down 12.2% year over year and -3.2% month over month as of September 2026, at a $289,900 median listing price. The chart tracks the trailing eight-quarter trend in the metro's median asking price.
Median listing price, Monticello IN · trailing 8 quarters · source: public records and industry data.
The 10-year view
10-year median listing price, Monticello IN · June of each year, 2017–2026 · source: public records and industry data.
How much inventory is on the market in Monticello?
Monticello has 108 active listings, 34 new this month, 39 pending as of September 2026. About 24% of active listings have cut their price, and inventory sits at 96% of its 2019 level — a balanced market by pace.
Is Monticello a good real estate investment?
Monticello scores 40/100 on WealthyBud's composite Investor Score, ranking #659 of 933 covered U.S. metros as of September 2026. The score blends price momentum, value, rental yield, supply and market heat into one percentile. It is a research opinion, not advice.
Investor Score
40/100
#659 of 933 covered metros
Monticello scores 40/100 on our composite Investor Score (#659 of 933 covered metros), a percentile blend of momentum, value, rental yield, supply and market-heat readings; active inventory sits at 96% of its June 2019 level, so supply is still below pre-pandemic norms; listing prices are down 12.2% year over year; all against a national 30-year fixed mortgage rate of 7.28% (national weekly average, 2026-10-01).
Scores are percentile ranks (0–100) across all covered U.S. metros, computed from the public data cited on this page — formulas here. They are data-derived opinions, not investment advice. See how Monticello ranks on the trending markets index.
How much is a monthly mortgage payment in Monticello?
A home at Monticello's $289,900 median listing runs about $1,587 a month in principal and interest — 20% down on a 30-year fixed loan at the current 7.28% national average rate. Taxes, insurance and HOA are extra.
If rates fall 1% · 6.28%
$1,432/mo
−$154/mo vs today
At today's rate · 7.28%
$1,587/mo
National weekly average
If rates rise 1% · 8.28%
$1,747/mo
+$160/mo vs today
Principal & interest on the $289,900 median listing with 20% down and a 30-year fixed loan — excludes taxes, insurance and HOA. Current rate: 7.28% (national weekly average, 2026-10-01). Model a full deal in the deal analyzer.
How much income do you need to buy a home in Monticello?
To buy Monticello’s $289,900 median listing with 20% down, a household needs about $73,000 a year in gross income, keeping principal, interest and property tax ($1,715/mo) at 28% of income. That is 1.1× the area’s $66,143 median household income, so a typical Monticello household cannot afford the median listing on these terms.
| Item | Amount | Basis |
|---|---|---|
| Median listing price | $289,900 | September 2026 |
| Down payment (20%) | $57,980 | Assumption |
| Principal & interest (7.28%, 30-yr fixed) | $1,587/mo | Rate as of 2026-10-01 |
| Property tax (0.53% effective rate) | $128/mo | Census ACS |
| Income needed (28% rule) | $73,000 | Gross household income / yr |
| Median household income | $66,143 | Census ACS 2023 ACS 5-year |
Excludes homeowners insurance, HOA dues and mortgage insurance, so the true income needed is higher. Compare every market in the income-needed ranking and the price-to-income ranking.
What is driving the Monticello housing market?
Longer-run demand in Monticello shows up in 37 homes permitted in 2025; net migration of +15 residents. Natural-hazard risk rates Very Low. These federal supply-pipeline, migration and jobs signals shape where prices head next.
Building permits (2025)
37
▼ 21.3% vs 2024
1.5 per 1,000 residents
Net migration (2022–2023)
+15
▲ people, via tax-return records
net income flow +$4.57M/yr
Natural-hazard risk
Very Low
National hazard index · top hazard: Riverine flooding
Based on public government records — building-permit, tax-return migration, employment and natural-hazard statistics, aggregated to the metro. Details on /methodology.
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ReadMonticello housing market FAQ
What is the median home price in Monticello?
As of September 2026, the median listing price in Monticello, IN is $289,900, down 12.2% year over year (source: public records and industry data). Figures cover the Monticello, IN metro area.
How much does it cost to buy a home in Monticello?
The median home listed in Monticello asks $289,900 as of September 2026. With 20% down on a 30-year fixed loan at the current 7.28% national average rate, that runs about $1,587 a month in principal and interest, before taxes, insurance and HOA.
How fast are homes selling in Monticello?
The median property in Monticello spends 72 days on the market, with 108 homes actively listed and 24% of them carrying a price cut — a balanced market as of September 2026.
Is it a buyer's or seller's market in Monticello?
With a median 72 days on market and 24% of active listings carrying a price cut, pending contracts at 36% of active listings, Monticello reads as a balanced market as of September 2026. Lean is based on days-on-market pace when closed-sale ratios are unavailable. Conditions shift monthly.
Is Monticello a good place to invest in real estate?
Monticello scores 40/100 on WealthyBud's Investor Score, ranking #659 of 933 covered U.S. metros as of September 2026. The score blends price momentum, value, rental yield, supply and market heat. It is a data-derived research opinion, not investment advice.
Who are the top real estate agents in Monticello?
See WealthyBud directories for the top-producing agents, teams and brokerages serving Monticello and the wider Indiana market, ranked by recent sales from public profile data.
Based on public records and industry data, September 2026 — see our methodology for how every figure is computed. Figures cover the Monticello, IN metro area. Figures change monthly — verify current conditions with a local agent or MLS. Portions of market data courtesy of Realtor.com and Redfin; additional statistics from U.S. government sources.
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