[4] Monticello is in central Lawrence County, on the west side of the Pearl River.

U.S. Route 84 runs through the north side of the town on a four-lane bypass.

Mississippi Highway 27 passes through the west side of Monticello, leading north 37 miles (60 km) to Crystal Springs and south 33 miles (53 km) to Tylertown.

[5] As of the 2020 United States census, there were 1,441 people, 640 households, and 350 families residing in the town.

The town of Monticello is served by the Lawrence County School District.