Lake MonticelloVA
A town of 10,662. Public schools that outperform most of Virginia.
Is Lake Monticello a good place to live?
Lake Monticello is a solid, middle-of-the-road choice. It grades A overall, 51st among Virginia's 249 graded towns, with no subject far below average. Its best mark is schools: its schools outperform 81% of the state's. It also does better than most on health: CDC estimates put its residents' health ahead of 80% of the country. A typical home there costs about $326K, 3.5 years of the Charlottesville metro’s $94K median household income. 96% of households own their home in Lake Monticello, above both the Virginia town median (68%) and the median of U.S. towns (73%). Only 27 of Virginia’s 372 towns score lower on the outdoors.
What makes Lake Monticello stand out
Where Lake Monticello beats most towns.
95% of working residents leave Lake Monticello for work
Where Lake Monticello’s working residents go each day. Line width shows the share.
Census LEHD 2023
How Lake Monticello grades
Each subject compared with towns across the country (schools within Virginia), ordered by how far Lake Monticello is from typical.
How TownRatings grades towns →
Moving to Lake Monticello: who provides what
Lake Monticello is unincorporated, so Fluvanna County and regional agencies provide most services.
EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Sep 30, 2026.
The data
Ordered by what stands out in Lake Monticello.
Lake Monticello has less tooth loss than most of Virginia and sends most of its workers to Charlottesville and beyond.
| School | Level | Students | Letter |
|---|---|---|---|
| Effort Christian School and Preschool PrivateLargest elementary schoolGrades PK–2 | Grades PK–2 | 70 | – |
NCES · EDFacts · graded within VA on state tests and graduation
Lake Monticello’s grade for health is an A−
Its widest gap with Virginia is tooth loss: 5.6% of those 65+ have lost all their teeth, against 11.1% statewide.
29% of adults feel lonely in Lake Monticello. Lake Monticello beats the Virginia average on 14 of 32 CDC measures and trails it on 2. 82% of adults had a checkup this year in Lake Monticello.
| Lake Monticello | Virginia towns | U.S. towns | |
|---|---|---|---|
| Feel lonely (CDC PLACES) | 29% | 34% | 33% |
| Frequent mental distress (CDC PLACES) | 14% | 16% | 17% |
| Yearly checkup (CDC PLACES) | 82% | 79% | 79% |
| Smoke cigarettes (CDC PLACES) | 9.8% | 12% | 14% |
| What stands out | Lake Monticello | VA |
|---|---|---|
| Fewer older adults who have lost all their teeth | 5.6% | 11.1% |
| Fewer adults facing food insecurity | 7.4% | 13.1% |
| More adults who have had cancer | 10.9% | 7.7% |
CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA
Most working residents commute out of Lake Monticello
Lake Monticello has 920 jobs for its 4,276 working residents: even if every job went to a resident, most would still commute out. Jobs based here fell from 1,454 in 2013 to 920.
Most working residents leave Lake Monticello for work: only 5% work in town. Jobs based in Lake Monticello fell to 920 in 2023, 534 fewer than in 2013. 22% of Lake Monticello workers work from home.
| Lake Monticello | Virginia towns | U.S. towns | |
|---|---|---|---|
| Work from home | 22% | 17% | 11% |
| Average trip to work | 30 minutes | 27 minutes | 25 minutes |
| Median household income | $107,000 | $101,000 | $80,000 |
| Below the poverty line | 6.7% | 7.7% | 9.6% |
Where working residents work
Census LEHD 2023 · ACS
In Lake Monticello, expect four seasons and hot summers
Lake Monticello has chilly winters and warm summers. Lake Monticello’s July high is 88°F.
Typical low → high °F
NOAA U.S. Climate Normals, 1991–2020
Older than Virginia overall
People 65 and older are 25% of residents (17% statewide); adults 35 to 64 are 34% of residents (39% statewide). 52% of adults 25 and older have a bachelor’s degree or more, vs 42% across Virginia.
| Lake Monticello | Virginia towns | U.S. towns | |
|---|---|---|---|
| Aged 65 or older | 25% | 16% | 18% |
| Bachelor’s degree or more, 25+ | 52% | 44% | 29% |
| Median age | 42.1 years | 38.5 years | 40.5 years |
| Under 18 | 21% | 23% | 22% |
Ages · share of residents
Education · adults 25 and older
Women and men · all residents
55% women, 45% men
About 82 men for every 100 women (the survey’s margin: ±1.5 points). Across Virginia, 50.6% of residents are women.
| Lake Monticello | VA | U.S. | |
|---|---|---|---|
| Under 10 | 13.9% | 11.6% | 11.6% |
| 10 to 17 | 7.2% | 10.1% | 10.3% |
| 18 to 24 | 6.1% | 9.3% | 9.1% |
| 25 to 34 | 14.3% | 13.5% | 13.7% |
| 35 to 44 | 11.7% | 13.6% | 13.2% |
| 45 to 54 | 8.8% | 12.5% | 12.2% |
| 55 to 64 | 13.3% | 12.8% | 12.7% |
| 65 to 74 | 15.2% | 9.9% | 10.2% |
| 75 and older | 9.5% | 6.8% | 7% |
| No diploma | 1.8% | 8.4% | 10.4% |
| High school | 14.9% | 23.9% | 26% |
| Some college | 23.5% | 17.7% | 19.1% |
| Associate’s | 8.1% | 7.8% | 8.8% |
| Bachelor’s | 30.2% | 23.7% | 21.6% |
| Graduate | 21.6% | 18.5% | 14.1% |
U.S. Census Bureau · ACS 2020-2024 5-year estimates
Trails & parks © OpenStreetMap contributors · Conserved land: USGS PAD-US
Moderate risk in Lake Monticello, with inland flooding at the top
Expected storm and flood damage is lower than in 60% of U.S. communities.
FEMA National Risk Index · OpenFEMA
The median home in Lake Monticello sells for about $375K
The median rent in Lake Monticello is $1,981 a month.
Census ACS, 2020–24 · Zillow Home Value Index · Redfin Data Center
Shenandoah National Park and 9 more within 40 miles
Museums, parks, gardens and other places to visit around Lake Monticello. Close and well known come first.
27 mi National ParkShenandoah National Park1.7M visitors a year
29 mi ParkwayBlue Ridge Parkway16.5M visitors a year
13 mi Stadium & arenaScott Stadium
13 mi Stadium & arenaJohn Paul Jones Arena
11 mi GardenMarket Street Park
12 mi MuseumFralin Museum of ArtPhoto credits
Shenandoah National Park: Image copyright 2005 by user G. Edward Johnson (user Lorax) and released under t, CC BY-SA 3.0 · Blue Ridge Parkway: Ken Thomas, Public domain · Scott Stadium: Mak7912, CC BY-SA 3.0 · John Paul Jones Arena: Bob Mical, CC BY 2.0 · Market Street Park: Chad Fennell, CC BY 2.0 · Fralin Museum of Art: SharpCrumbs, CC0
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Everything we know about Lake Monticello
Colleges nearby
2 within 15 miles of the center of Lake Monticello
About 5 of every 100 Lake Monticello residents are enrolled in college, against 7 across Virginia.
About Lake Monticello
Census-designated place in Virginia, United States
Lake Monticello, a private gated community, is a census-designated place (CDP) in Fluvanna County, Virginia, United States. The population was 10,126 at the 2020 census. The community is centered on a man-made lake of the same name, which is formed by a dam on a short tributary of the nearby Rivanna River. Lake Monticello is part of the Charlottesville metropolitan area. Lake Monticello was developed in the 1960s as a summer vacation home community but quickly evolved into a bedroom community of Charlottesville, and to a lesser extent of Richmond. It has a sizable retirement age population.
From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)
- Area
- 9.5 sq mi
- Elevation
- 371 ft
Questions about Lake Monticello
Short answers, built from the data on this page.
Is Lake Monticello, VA a good place to live?
By most measures, yes. Lake Monticello grades A overall, better than 91% of U.S. towns and #51 of 249 in Virginia. It grades A− for health and A− for schools.
Is Lake Monticello, VA expensive?
The typical home is worth about $326,000, 21% below the Virginia typical home. Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades B.