Monticello, KY

The affordability dashboard for Monticello, KY aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 20,065 residents, then layers in county-level federal data to produce an overall grade of C- (53/100). The headline inputs are median household income of $46,040, median home value of $138,900, median rent of $726 per month, and 13.6% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $866 per month (studio $619, 1BR $677, 3BR $1,204, 4BR $1,453). Department of Labor data lists infant center-based childcare at $4,704 per year, consuming 10% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages, so the grade is genuinely comparable across any city in the country. Pressure points are income, education. Unemployment currently reads 6.0% and poverty 25.0% - numbers worth keeping alongside the headline grade.