Market Overview
Home Prices in Mount Sterling, KY
The median home value in Mount Sterling, KY is $222,699 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.7% compared to a year ago and up 3.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Mount Sterling are priced46% below average. Mount Sterling is part of the Mount Sterling, KY metro area.
Over the past five years, Mount Sterling home values have risen by approximately37.2%, reflecting strong long-term appreciation in this market.
Price History
Mount Sterling Home Price Trend
City Comparison
Mount Sterling vs. National Median
At $222,699, homes in Mount Sterling cost 46% below the national median of $410,000. This makes Mount Sterling a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Mount Sterling?
20% Down Payment
$44,540
on $222,699
Monthly P&I
$1,161/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,474/mo
incl. taxes & insurance
Income Needed
$58,960
gross annual (30% rule)
10% Down Option
$22,270
+ PMI applies
Loan Amount (20% dn)
$178,159
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Mount Sterling, KY?
The median home value in Mount Sterling is $222,699 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.7% year-over-year.
How much have home prices changed in Mount Sterling?
Over the past year, home values in Mount Sterling have increased by 3.7%. Over five years, prices have risen approximately 37.2%.
How much do I need to earn to buy a home in Mount Sterling?
To comfortably afford the median home price of $222,699 with a 20% down payment ($44,540) at today's rates (6.8%), you'd need a gross annual income of approximately $58,960. This assumes keeping total housing costs at or below 30% of gross income.
How does Mount Sterling compare to the national average home price?
The national median home value is approximately $410,000. At $222,699, homes in Mount Sterling are 46% below the national average.
What metro area is Mount Sterling part of?
Mount Sterling is part of the Mount Sterling, KY metropolitan area. Home prices and market conditions can vary across the broader metro region.