The median home in Monticello, Iowa is valued at $221,424, up 5.2% year over year. Monticello is part of the Cedar Rapids, IA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$221,424

+5.2%

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$44,285 on $221,424

Example: $75,000 household income. Change it above to see your own.

Affordable24.9% of income

Under the 28% guideline.

PITI$1,559

P/I24.9%

Afford$249K

Room+$27K

P&I $1,120Tax $290Ins $150

6.50% 30yr, 20% down, county tax + IA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Iowa

Compare Monticello with other housing markets across Iowa.

West Okoboji$794K Orleans$629K Wahpeton$550K Shueyville$525K Cumming$508K Panora$474K Honey Creek$441K Ackworth$437K

Full Cedar Rapids, IA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Cedar Rapids, IA metro.

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Monticello, IA