Lake Monticello, Virginia

Area Profile

10,662 residents. Public schools, jobs, income, housing cost, climate and natural-hazard risk for Lake Monticello, in Fluvanna County.

Area Score unavailable

Missing required signal: growth. AreaProfile withholds a score rather than inferring the missing dimensions.

How we calculate this

How this area ranks
OpportunityTop 3% of 3,904 published cities85
SchoolsTop 49% of 2,668 published cities52
Housing affordabilityTop 32% of 4,223 published cities90
ClimateTop 26% of 4,223 published cities76
Physical resilienceTop 48% of 4,182 published cities60
Access3912th of 4,226 published cities61
Economic stability2123rd of 4,226 published cities60
The quick read

Lake Monticello ranks in the top 3% of published city profiles for employment opportunity, with unemployment at 3.4% and median household income of $106,818.

In the public schools here, 57% of students met the state standard in mathematics, with 13.9 students for every teacher.

Rent takes 22% of median household income here, below the 30% threshold conventionally called cost-burdened, and the median home is 3.1 times that income.

At a glance

Population
10,662
2024 ACS 5-Year
Median household income
$106,818
Top 15% nationally
Density
1,205/sq mi
8.8 sq mi of land
Median age
42.1
2024 ACS 5-Year
County
Fluvanna County
Virginia
Metro area
Charlottesville, VA
Nearest major airport
RIC
62 mi · Richmond Intl
Median home value
$325,900
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 3.4% is lower than 87% of the 3,904 measured US cities.

Employment grew 0.9% over the past year, to 14,440 employed residents.

52% of adults hold a four-year degree, higher than 90% of measured US cities.

MetricValueCompared with peersSource period
Median household income ±$8,775$106,818Top 15%2024 ACS 5-Year
Per capita income ±$6,458$54,583Top 13%2024 ACS 5-Year
Poverty rate6.7%Bottom 31%2024 ACS 5-Year
Average commute31.8 minTop 27%2024 ACS 5-Year
Bachelor's degree or higher51.8%Top 10%2024 ACS 5-Year
Employment14,440Bottom 13%June 2026
Employment change (3 years)1.8%Top 24%June 2026
Employment change (year over year)0.9%Top 13%June 2026
Labor force14,944Bottom 13%June 2026
Labor force participation61.7%Top 46%2024 ACS 5-Year
Mean annual wage$74,000Top 30%2025 OEWS
Median annual wage$55,180Top 34%2025 OEWS
Unemployment change (year over year)0.4%Top 36%June 2026
Unemployment rate3.4%Bottom 13%June 2026
Median household income, successive ACS releases
2021202220232024107k86k
Each point is a separate five-year estimate, most recently $106,818 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Charlottesville, VA
OccupationPeople employedMedian annual wage
Registered Nurses3,040$99,320
Fast Food and Counter Workers2,800$30,150
Retail Salespersons2,540$34,210
General and Operations Managers2,530$107,200
Waiters and Waitresses2,140$44,030
Cashiers2,110$30,930

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics publishes city-level labor data only for places of 25,000 or more. This is the figure for Fluvanna County, VA, which contains this city.

57% of students met the state standard in mathematics and 62% in reading, across the schools here that reported results.

There are 13.9 students for every full-time teacher, fewer than in most measured places.

Public schools
5
2024-25 school year
Students per teacher
13.9
across all schools here
Math proficiency
57.0%
Top 47% in Virginia
Reading proficiency
62.0%
Bottom 40% in Virginia
SchoolDistrictStudentsPer teacherMathReading
Fluvanna County HighFluvanna County Public Schools1,36214.257%62%
Central ElementaryFluvanna County Public Schools75114.2
Fluvanna MiddleFluvanna County Public Schools74513.157%62%
Blue Ridge Governor's SchoolBlue Ridge Governor's School0
Project Return/Fluvanna CoProject Return/Fluvanna Co0

60.6% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Virginia’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $1,981 takes 22% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.1 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
22.3%
Below the 30% cost-burdened threshold
Home price to income
3.1×
median home value ÷ median income
Median gross rent
$1,981
2024 ACS 5-Year
Median home value
$325,900
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income3.05Top 47%2024 ACS 5-Year
Homeownership rate95.9%Top 12%2024 ACS 5-Year
Housing units ±3114,646Top 12%2024 ACS 5-Year
Median gross rent ±$538$1,981Top 9%2024 ACS 5-Year
Median home value ±$16,498$325,900Top 25%2024 ACS 5-Year
Rent as a share of income22.3%Top 28%2024 ACS 5-Year
Vacancy rate8.4%Bottom 44%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →

No building-permit activity is published for this location by the Census Building Permits Survey.

Weather & climate

7 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 84°F and January a low of 28°F.

Normal annual precipitation is 48.2 inches.

20°40°60°80°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station CHARLOTTESVILLE 2 SSE, 9.0 miles from this location.
Precipitation
JFMAMJJASOND4.9"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation48.2"1991-2020 Normals
Average January low28°F1991-2020 Normals
Average July high84°F1991-2020 Normals
Comfortable months71991-2020 Normals
Seasonal temperature swing40°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

60 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are earthquake, hurricane and drought.

Overall hazard risk is lower than 96% of measured US cities.

HurricaneElevated
EarthquakeHigh
DroughtHigh
Cold waveModerate

Low or minimal exposure: landslide, strong wind, heat wave, lightning, inland flooding, tornado, ice storm, hail, wildfire, winter weather.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. City values are the population-weighted mean of the counties the city overlaps, using AreaProfile place-to-county land-area weights. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Fluvanna County records 3.7 homicide deaths per 100,000 residents a year, near the middle of counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 12.9 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 13.2 per 100,000 residents in Fluvanna County.

Homicide
3.7
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
12.9
per 100,000 residents · under 10 deaths
Drug overdose
13.2
per 100,000 residents · under 10 deaths
Suicide
13.6
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Fluvanna County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around Lake Monticello rather than Lake Monticello itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

2 major airports lie within 100 miles, the nearest 62 miles away.

AirportCodeDistanceLongest runway
Richmond IntlRIC62 mi9,003 ft
Washington Dulles IntlIAD85 mi11,500 ft
Newport News/Williamsburg IntlPHF115 mi8,003 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Other cities in Charlottesville, VA

Same metropolitan area, measured the same way
CityCountyPopulationArea ScoreCompare
CharlottesvilleCharlottesville city45,43764vs Lake Monticello

Every city here is measured on the same scale from the same source releases, so the comparison is like for like. A higher Area Score reflects AreaProfile’s standardized weighting rather than a judgment about which is the better place to live.

Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

ZIP codes in Lake Monticello

1 published ZIP profiles
ZIPPopulationMedian household incomeArea Score
2296316,896$104,259