Food and drink · Small-town market · Indiana
Restaurants and cafes in the Monticello, IN area
How the Monticello, IN area compares with other small-town markets and the U.S. for restaurants and cafes: competitors, household spending, official counts and growth.
Groundwork market score · out of 100
Score 54 out of 100: Upper middle
Ranked #228 of 538 scored small-town markets
#19 of 25 scored small-town markets based in Indiana
- Listings
- 109
- 33 chain locations (30%)
- Official establishments
- 42
- +5.0% since 2019
- Household spending a year
- $36.7M
- On food away from home · $3,578 a household
- Spending per listing
- $337K
- 9% below the U.S.
- Listings per 10k households
- 106.3
- 3% below the U.S.
- Population, 2025
- 25,164
- +2.0% since 2020
See the restaurants and cafes around any address in the Monticello area
The site report maps the restaurants and cafes on map listings near the address, by name and distance, and sizes the households and spending around it. Or open the report at the center of the Monticello area. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardSurvey estimates 2020–2024 · population estimates 2025 · official business counts 2023 · map listings September 2026 · Data credits · How we measure
What this means
Household spending on food away from home in the Monticello area comes to about $36.7M a year: $3,578 per household, 12% below the U.S. average. That works out to $337K per restaurant, 9% below the U.S. figure of $371K.
There are 109 restaurants and cafes on map listings in the Monticello area as of September 2026. Of those, 33 are chain locations, or 30%, against 34% across the U.S. That is 106.3 per 10,000 households, 3% below the U.S. rate of 109.8.
In 2023, official counts showed 42 businesses with payroll in the Monticello area classed as restaurants and other eating places, up 5.0% from 2019. That is one for every 244 households, against one for every 209 across the U.S. Another 5 one-person businesses have no payroll, by official counts. Since fiscal 2022, 1 SBA-backed loan worth $19K has gone to businesses classed as restaurants and other eating places in the Monticello area.
Population estimates put the population change in the Monticello area from 2020 to 2025 at +2.0%, slower than the U.S. (+3.1%). The Groundwork market score for restaurants and cafes in the Monticello area is 54 (upper middle), #228 of 538 scored small-town markets and #19 of 25 scored small-town markets based in Indiana.
How the Monticello area compares
The same measures for Indiana and the whole U.S. Spending per listing divides a year of household spending on all food away from home by the restaurants and cafes counted, so it measures the demand for each competitor, not any business’s revenue. Households per establishment does the same with the official count.
| Measure | Monticello area | Indiana | U.S. |
|---|---|---|---|
| Listings per 10k households | 106.3 | 92.4 | 109.8 |
| Spending per listing | $337K | $412K | $371K |
| Households per official establishment | 244 | 235 | 209 |
| Official establishment growth, 2019–2023 | +5.0% | +7.3% | +6.0% |
| Population growth, 2020–2025 | +2.0% | +2.7% | +3.1% |
| Spending per household on food away from home | $3,578 | $3,802 | $4,070 |
| Median household income | $67,303 | $71,957 | $80,734 |
| Groundwork market score | 54 | 62 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 42+5.0% over the period
- Employees, 2023
- 567
- Annual payroll, 2023
- $9.4M
- One-person businesses, 2023
- 5Businesses with no payroll
- Map listings, September 2026
- 10933 chain locations
- Listings at the U.S. rate for this spending
- 99The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 1
- Amount
- $19K
SBA-backed loans to businesses classed as restaurants and other eating places in the Monticello area, through June 2026, placed by the borrower’s ZIP code. Official establishments are businesses with payroll; the official counts leave out places with fewer than 3.
Population and households in the Monticello area
- Population, 2025 estimate
- 25,164+2.0% since 2020
- Households
- 10,254
- Median age
- 42.3
- Homes lived in by their owners
- 81%
- Vehicles per household
- 2.1
- Land area
- 505 sq. mi.
- People per square mile
- 49
- Median household income
- $67,303
- Average household income
- $83,596
- Median home value
- $175,900
- Jobs located here
- 8,813
- Daytime population
- 21,324Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Monticello area?
These figures cover the whole small-town market. A site report draws rings around one address and counts what’s inside them: households, spending, jobs, and the restaurants and cafes on map listings by name and distance.
Or open the report at the center of the Monticello area. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardRestaurants and cafes across Indiana
Every Indiana market ranked →The highest-scoring small-town markets in Indiana for restaurants and cafes, numbered among those based in Indiana, with the Monticello area marked.
Top small-town markets in Indiana
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Greencastle, IN | 85 | 113 | 79.9 | $472K | +3.2% | #13 of 538 |
| 2Bedford, IN | 84 | 110 | 57.5 | $615K | +1.2% | #16 of 538 |
| 3Decatur, IN | 81 | 82 | 66.1 | $537K | +2.2% | #24 of 538 |
| 4Kendallville, IN | 79 | 140 | 77.0 | $475K | +1.0% | #31 of 538 |
| 5Washington, IN | 79 | 95 | 80.4 | $452K | +2.5% | #34 of 538 |
| 6Huntington, IN | 76 | 117 | 76.0 | $467K | +1.6% | #45 of 538 |
| 7New Castle, IN | 72 | 144 | 77.2 | $443K | +0.5% | #66 of 538 |
| 8Crawfordsville, IN | 72 | 131 | 84.0 | $439K | +2.7% | #68 of 538 |
| 9Greensburg, IN | 68 | 89 | 83.1 | $453K | +0.4% | #89 of 538 |
| 10Auburn, IN | 68 | 153 | 89.5 | $414K | +2.9% | #92 of 538 |
| 19Monticello, IN | 54 | 109 | 106.3 | $337K | +2.0% | #228 of 538 |
Other business types in the Monticello area
Each with its Groundwork market score here, out of 100, where it has one.
Food and drink
- Restaurants and cafes54
- Sit-down restaurants41
- Fast food and sandwich shops78
- Pizza50
- Coffee shops and cafes62
- Bakeries and dessert shops34
Groceries and convenience
Auto
Beauty and personal care
Fitness and classes
Health care
Child care
Clothing and laundry
Home services
Real estate
Funeral services
Questions
How many restaurants and cafes are in the Monticello, IN area?
As of September 2026, map listings count 109 restaurants and cafes in the Monticello area. 33 of them (30%) are chain locations. The listings count every restaurant, cafe, bar, bakery and food truck. Official counts show 42 businesses with payroll classed as restaurants and other eating places in 2023, up 5.0% from 2019. Official counts list 5 one-person businesses without payroll.
How much do households in the Monticello, IN area spend on food away from home?
About $36.7M a year, or $3,578 per household. That is 12% below the U.S. average (an index of 88, where 100 is the U.S. average). Spread across the 109 restaurants and cafes on map listings, it comes to $337K per restaurant. It is estimated from the incomes of the 10,254 households in the Monticello area and national spending patterns by income.
How does the Monticello, IN area compare with the U.S. for restaurants and cafes?
The Monticello area has 106.3 restaurants and cafes per 10,000 households, 3% below the U.S. rate of 109.8. Spending per restaurant is $337K, 9% below the U.S. figure of $371K. At the U.S. ratio of restaurants and cafes to household spending, the Monticello area would have about 99, against 109 on map listings. There is one business with payroll in the industry for every 244 households, against one for every 209 across the U.S. The official count rose 5.0% from 2019 to 2023, against +6.0% for the U.S.
How fast is the Monticello, IN area growing?
Population estimates put the Monticello area at 25,164 people in 2025, up 2.0% since 2020, slower than the U.S. (+3.1%). It has 10,254 households. Median household income in the Monticello area is $67,303, 17% below the U.S. median of $80,734.
What is the Groundwork market score?
The Groundwork market score runs from 0 to 100 and compares a market with others of its kind for one business type: states with states, metro areas with metro areas, small-town markets and counties with their own. A small-town market is a town of 10,000 to 50,000 people and the county or counties tied to it by commuting. It weighs household spending per competitor (35%), households per business with payroll (25%), population growth (20%) and spending power (20%), each ranked against those peers. A higher score means that, taken together, the market has more household spending and more households for each business already there, faster population growth and more spending per household than similar markets. It describes a market, not any one site or deal. The Monticello area scores 54 for restaurants and cafes (upper middle), #228 of 538 scored small-town markets.
How can I see the market around a specific site?
Run a Groundwork site report on an address in the Monticello area. It maps the restaurants and cafes on map listings near the site and sizes the households and spending within the distance you choose. New accounts get 10 actions over 3 days, no card.
How the score works · Top markets for restaurants and cafes · All 56 business types in the Monticello area
Screening a site or an acquisition in the Monticello area?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
The button opens the report at the center of the Monticello area. Signed out, you see a blurred preview; on an account, each report is one action.
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are estimates for research only. Not investment or real estate advice.