Can A Waiter or Waitress Afford Rent in Monticello, MN?
Rent-burdened — rent takes 51.3% of gross income.
Monticello rent: June 2026. Salary: BLS OEWS May 2024 (Minnesota state estimate).
About rent and a waiter or waitress salary
Declared server pay (base plus reported tips) sits below the rent threshold needed for a one-bedroom apartment in most US cities, which is why the server workforce tends to live in shared housing. Actual tip income varies widely and can push real take-home well above the BLS figure, particularly in fine-dining and high-volume restaurants. At the national-average declared server salary, the 30% rule supports about $913 a month in rent. The per-city pages show which markets keep rent within that range.
Cheaper rent nearby
These Minnesota cities have lower median rent than Monticello, which improves the affordability math on a waiter or waitress salary:
Compare with full rent data for Monticello
View full rent data for Monticello, MN →Frequently asked questions
Can a waiter or waitress afford rent in Monticello, MN?
Median rent in Monticello is $1,623 a month. A typical waiter or waitress in Minnesota earns about $37,991 a year, which makes that rent 51.3% of gross monthly income. Under the 30% rule, the answer is no — rent exceeds the 30% threshold.
How much rent can a waiter or waitress afford in Monticello?
Using the 30% rule, a waiter or waitress salary in Minnesota (~$37,991/yr) supports up to $950 a month in rent. Monticello's current median rent is $1,623/mo, which is $673/mo over the affordability threshold.
How many hours does a waiter or waitress work to cover rent in Monticello?
At an hourly equivalent of about $18 an hour, a waiter or waitress in Minnesota works roughly 88.9 hours a month to cover Monticello's median rent of $1,623.
Where is rent cheaper than Monticello for a waiter or waitress?
Nearby Minnesota cities with lower median rent include Coon Rapids ($1,622/mo), Eagan ($1,622/mo), Brooklyn Park ($1,621/mo). Each shifts the affordability math materially on a waiter or waitress salary.