ZIP Code 84535 — Monticello city, UT Demographics & Data

ZIP code 84535 covers Monticello, UT in San Juan County with a population of about 2,669.

At a glance, the area shows median age of 38.0 (near the U.S. median).

It sits in telephone area code 435; U.S. House district UT-3; the SALT LAKE CITY media market.

Median household income in ZIP 84535 is about $71,357 — about 5% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.7%; unemployment rate near 0.0%; 21.9% of adults with a bachelor’s degree or higher (about 11.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Public administration, and Manufacturing; about 18.7% of workers reporting work-from-home (about 3.5 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $300,200 — about 14% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $720 (about 38% below the U.S. median rent ($1,163)), and owner-occupancy near 83.9% (about 18.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 84535 in Monticello, UT, a household would need roughly $83,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,928. That is about 16% above the local median household income ($71,357), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Monticello city, UT as Very Low (composite score 26.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (82.3) and flood (24.0). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Monticello city, UT show little to no average snow and around 15.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 202 for ZIP 84535 (Monticello city, UT) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.