Real Estate Investing in Monticello, Iowa

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

1 ZIP codes • Population: 6,384 • Jones County

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Should you buy in Monticello, IA? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (71/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • Elevated vacancy: 8.4% vacancy may signal weakening demand.

What’s happening in Monticello, IA?

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3.0/ 5

Investability

Citywide average

4.0/ 5

Appreciation

7.1% 5yr CAGR

5.0/ 5

Landlord Climate

Regulatory friendliness

🏦 30-yr Fixed Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS
Avg Investability
Avg Home Value $243,243
Avg Monthly Rent $828
ZIP Codes 1

Investing in Monticello Real Estate

Monticello (Iowa) spans 1 ZIPs and roughly a sizable population. unambiguously the fundamentals here skew distressed, with soft rents, soft appreciation, and structural headwinds worth respecting.

The investment case for Monticello is difficult to make on screen data alone. a harder case for a 3.0 rating and a cap rate of 0.0% that looks fine only until you underwrite the vacancy.

Rents in Monticello at $828/mo have struggled to keep pace with cost increases, and vacancy has risen in pockets — a dynamic that compresses realized returns well below headline cap rates.

Distressed-leaning demographics in Monticello — soft income growth, high rent burden, population shifts — are among the reasons the ★★★☆☆ rating sits where it does.

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Best ZIP codes in Cedar Rapids, IA

Monticello is part of this metro. Every ZIP in it, ranked. Free.

Cash Flow → Appreciation → Affordable →

Landlord Ground Truth

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Avg Home Value
$243,243
Avg Monthly Rent
$828
1% Rule
✗ Below
Landlord Friendly (IA)

📉 Market Crash Risk Index

Based on Cedar Rapids, IA metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
46%
Days Pending
1/2
41 days

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❄️ Cool Market — Cedar Rapids, IA metro
41
Days to pending
10.2%
Listings with price cuts
0.0%
Sale-to-list ratio
📅 Data as of August 29, 2026 — updated weekly

ZIP Codes in Monticello, IA

Screen every ZIP in Monticello

Filter Monticello’s ZIPs by cap rate, vacancy, appreciation and 30+ more criteria, and export your shortlist to CSV — with the Investor plan ($19/mo).

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Frequently Asked Questions About Monticello, IA

Where do rents currently stand in Monticello, IA?

The typical rental in Monticello, IA commands about $828/mo monthly. That rent profile predictable cash flow against the $243K purchase basis.

How strict are landlord regulations in Monticello, IA?

Rental owners in Monticello, IA deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.

Is Monticello, IA better for rentals, flips, or BRRRR?

Monticello, IA investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($243K prices, $828/mo rents) make it a reasonable choice.

Can I house hack in Monticello, IA?

Monticello, IA offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $828/mo rent level.

How does Monticello, IA stack up for property investment?

Monticello, IA shows an investability rating of 3.0/5, with median home values near $243K and average rents around $828/mo. That combination puts it in the notable tier for investor interest.

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