House Prices

House Prices & Home Values Monticello, KY 2026


Average Data

average house price$172,586
average size per house1589 ft²
average price per ft²109 $ / ft²

04/17/2026 - The value range (VR) for house prices in Monticello, KY is $107/ sqft to $107/ sqft. An average home with 1589 sqft costs approximately $170,023 to $170,023. Monticello, KY includes 1 ZIP codes and it is located in Wayne county. The lowest prices are found in ZIP 42633, while the highest are in ZIP 42633. The average price per sqare feet is $109. Our analysis is based on 7 property listings.

Avergage prices by ZIP codes Monticello

42633106 $ / ft²




Historical development of home values in Monticello

Year Estimated value (USD) Change vs. 2025
2010 $80,152 -53.6%
2011 $77,053 -55.4%
2012 $76,845 -55.5%
2013 $79,717 -53.8%
2014 $83,681 -51.5%
2015 $87,976 -49.0%
2016 $92,567 -46.4%
2017 $97,564 -43.5%
2018 $102,957 -40.3%
2019 $107,731 -37.6%
2020 $113,301 -34.4%
2021 $128,867 -25.3%
2022 $150,230 -13.0%
2023 $158,425 -8.2%
2024 $167,590 -2.9%
2025 $172,586 0.0%

Graph: estimated home values in Monticello over time (USD)



Example: 100% financing house in Monticello

Loan amount: $172,586

Interest rate: 6.00%

Fixed monthly payment: $1,034.74

Breakdown in the 1st month:
Interest portion: $862.93  –  Principal portion: $171.81

Yearly breakdown (100% financing)

Year Interest per year ($) Principal per year ($) Remaining balance at year-end ($)
1 $10,297.51 $2,119.38 $170,466.62
2 $10,166.79 $2,250.09 $168,216.53
3 $10,028.01 $2,388.88 $165,827.65
4 $9,880.67 $2,536.22 $163,291.44
5 $9,724.24 $2,692.64 $160,598.79
6 $9,558.16 $2,858.72 $157,740.07
7 $9,381.84 $3,035.04 $154,705.03
8 $9,194.65 $3,222.24 $151,482.80
9 $8,995.91 $3,420.98 $148,061.82
10 $8,784.91 $3,631.97 $144,429.85
11 $8,560.90 $3,855.99 $140,573.86
12 $8,323.07 $4,093.82 $136,480.04
13 $8,070.57 $4,346.31 $132,133.73
14 $7,802.50 $4,614.38 $127,519.35
15 $7,517.89 $4,898.99 $122,620.36
16 $7,215.74 $5,201.15 $117,419.21
17 $6,894.94 $5,521.94 $111,897.27
18 $6,554.36 $5,862.52 $106,034.74
19 $6,192.77 $6,224.11 $99,810.63
20 $5,808.88 $6,608.00 $93,202.63
21 $5,401.31 $7,015.57 $86,187.06
22 $4,968.61 $7,448.27 $78,738.79
23 $4,509.22 $7,907.67 $70,831.12
24 $4,021.49 $8,395.39 $62,435.72
25 $3,503.68 $8,913.20 $53,522.52
26 $2,953.93 $9,462.95 $44,059.57
27 $2,370.28 $10,046.61 $34,012.96
28 $1,750.63 $10,666.26 $23,346.71
29 $1,092.75 $11,324.13 $12,022.58
30 $394.31 $12,022.58 $0.00

Note: The calculation is based on a standard annuity mortgage with a fixed monthly payment over the entire term. Extra payments, interest rate changes, and additional purchase costs (e.g. taxes, notary fees) are not included.


How to sell in Monticello, KY


1500 sqft3900 sqft
Ø selling price$197,836$420,850
Ø fast selling$179,850$378,765
Ø high price sale$215,821$462,934

In 2026, houses in Monticello, KY will be offered at an average price of $109 per square foot. A 1,500 sqft home priced at $197,836 is 22.75% more expensive per square foot than a 3,900 sqft home priced at $420,850. Home prices in Monticello, KY vary significantly depending on the neighborhood and location. For a quick sale, a 2,700 sqft home should be listed at around $291,357. Sellers who can wait longer may achieve a higher price of up to $356,103.


Explore Monticello, KY

Overview

Monticello, KY is the county seat of Wayne County in southern Kentucky, known as the Houseboat Capital of the World thanks to its access to Lake Cumberland.
The city offers small-town charm with scenic countryside, rolling hills, and easy proximity to outdoor adventures. Travelers searching for Monticello Kentucky attractions will find marinas, parks, and historic sites minutes from downtown.

Attractions and Things to Do

On Lake Cumberland, visitors enjoy world-class boating, fishing, and rental houseboats that launch from nearby marinas.
History lovers can explore the Mill Springs Battlefield area and museums, while nature seekers head toward the Daniel Boone National Forest for hiking and waterfalls. Local festivals, restaurants, and shops in downtown Monticello add flavor to weekend getaways and family trips.

Living and Real Estate

For residents, Monticello, KY offers an affordable cost of living and schools served by the Wayne County School District.
The local economy blends tourism, agriculture, and small manufacturers, with a business-friendly climate that supports entrepreneurs. Homebuyers find diverse real estate options, from lake-view cabins and farms to in-town neighborhoods near parks and services. Whether you are planning a vacation, relocating, or investing, Monticello Kentucky stands out for outdoor recreation, welcoming community, and year-round value.



FAQ – Home Values in Monticello

What is the median home value in Monticello in 2026?

In 2026, the typical home value in Monticello is about $172,586 for an average home size of 1589 square feet. This corresponds to an average price of roughly $109 per square foot.

What is the average cost per square foot in Monticello?

In 2026, homes in Monticello sell for an average of around $109 per square foot, with a typical range between $107 and $107 per square foot, depending on the property’s location, condition, and lot size.

What is the average home size in ?

The average home size in Monticello is about 1589 square feet, with an estimated 2026 value around $172,586.



Locations close to Monticello, KY

Parkers Lake, KY90 $ / ft²
Pine Knot, KY166 $ / ft²
Revelo, KY70 $ / ft²
Marshes Siding, KY105 $ / ft²
Jamestown, KY121 $ / ft²
Alpha, KY136 $ / ft²
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