The Town FilesLake Monticello, Virginia
Community in Fluvanna County · population 10,126 (2020 Census)
- Median home
- $325,900
- Household income
- $106,818
- Jan low / Jul high
- 25° / 86°
- Snow a year
- 12 in
- Tornadoes ≤10 mi since 1950
- 9
- Median age
- 42.1
Lake Monticello is a community of 10,126 people in Fluvanna County, Virginia. The median home is worth $325,900, above the typical Virginia town ($298,050). It ranks better for first-time buyers than 100% of Virginia towns, better for families than 91% of Virginia towns, more upscale than 73% of Virginia towns.
How Lake Monticello ranks
Percentile among Virginia towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of Virginia towns.
Homes and cost of living
The median home in Lake Monticello is worth $325,900, above the typical Virginia town ($298,050). Homes cost about 3.1 times the median household income of $106,818, which is more affordable than 78% of Virginia towns. Median rent is $1,981 a month. 95.9% of households own their home.
| Housing | Lake Monticello | Typical Virginia town |
|---|---|---|
| Median home value | $325,900 | $298,050 |
| Median rent | $1,981 | $1,254 |
| Median household income | $106,818 | $78,595 |
| Home value ÷ income | 3.1× | 3.8× |
| Homeownership | 95.9% | 69.2% |
| Median year built | 1997 | 1980 |
| Seasonal / vacation homes | 2.6% | — |
Who lives in Lake Monticello
| People | Lake Monticello | Typical Virginia town |
|---|---|---|
| Median age | 42.1 | 39.8 |
| Age 65 and over | 24.6% | 17.3% |
| Under 18 | 21.1% | — |
| Bachelor's degree or higher | 51.8% | 31.2% |
| Below the poverty line | 6.7% | 8.8% |
| Veterans | 12.1% | — |
| Born outside the U.S. | 1.5% | — |
| Work from home | 21.9% | 12.8% |
| Average commute | 29.8 min | 26.3 min |
| Homes with broadband | 97.6% | 91.8% |
Weather in Lake Monticello
July highs average 86.2°F and January lows 24.6°F. About 43.7 inches of rain and melted snow fall a year, with 12.3 inches of snow (typical Virginia town: 13.4 in). Expect about 26 days a year at 90°F or hotter and 112 nights at or below freezing.
Tornadoes, storms and disasters
9 tornadoes have passed within 10 miles of Lake Monticello since 1950, compared with 11 for the typical Virginia town. 1 rated (E)F2 or stronger. The strongest, an F3, struck on September 30, 1959 about 3.9 miles from the town center. The most recent was on June 16, 2022.
Hail of 1 inch or larger has been reported within 10 miles 20 times; the largest was 1.75 inches on July 25, 2022.
Severe weather in Fluvanna County since 1996
Fluvanna County has been included in 23 federal disaster or emergency declarations since 1953, most often for flood, drought, hurricane.
| Declared | Incident | Declaration |
|---|---|---|
| January 23, 2026 | Winter Storm | EM-3631: Severe Winter Storm |
| March 11, 2022 | Severe Storm | DR-4644: Severe Winter Storm And Snowstorm |
| April 2, 2020 | Biological | DR-4512: Covid-19 Pandemic |
| March 13, 2020 | Biological | EM-3448: Covid-19 |
| December 18, 2018 | Hurricane | DR-4411: Tropical Storm Michael |
Jobs and pay in Fluvanna County
Fluvanna County had 4,854 jobs in 2024, paying an average of $57,223 a year. Unemployment was 2.5% in 2023; in Lake Monticello itself the ACS puts it at 3%.
Towns near Lake Monticello
- Pantops, VA9.9 mi · 4,682 people · home $522,900
- Charlottesville, VA11.7 mi · 46,553 people · home $486,700
- University of Virginia, VA13.0 mi · 7,909 people · home $442,600
- Hollymead, VA15.0 mi · 8,601 people · home $435,300
- Crozet, VA22.3 mi · 9,224 people · home $547,200
- Orange, VA25.6 mi · 4,880 people · home $273,300
Lake Monticello questions
Is Lake Monticello, Virginia a good place to retire?
On The Town Files lifestyle rankings, Lake Monticello scores better for retirees than 62% of Virginia towns and quieter than 53%. 24.6% of residents are 65 or older (median age 42.1).
How much does a house cost in Lake Monticello?
The median owner-occupied home in Lake Monticello is valued at $325,900 (Census ACS 2020–2024), against a median household income of $106,818, so homes cost about 3.1 times income. Median rent is $1,981 a month.
What is the weather like in Lake Monticello?
July highs average 86.2°F and January lows 24.6°F (NOAA 1991–2020 normals). It gets about 43.7 inches of precipitation a year and 12.3 inches of snow.
Does Lake Monticello get tornadoes?
9 tornadoes have passed within 10 miles of Lake Monticello since 1950 (NOAA Storm Events); the strongest was a F3 on September 30, 1959. The typical Virginia town has had 11.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)