Market Overview
Home Prices in Sharpsburg, KY
The median home value in Sharpsburg, KY is $190,814 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.9% compared to a year ago and up 7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Sharpsburg are priced53% below average. Sharpsburg is part of the Mount Sterling, KY metro area.
Over the past five years, Sharpsburg home values have risen by approximately37.3%, reflecting strong long-term appreciation in this market.
Price History
Sharpsburg Home Price Trend
City Comparison
Sharpsburg vs. National Median
At $190,814, homes in Sharpsburg cost 53% below the national median of $410,000. This makes Sharpsburg a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Sharpsburg?
20% Down Payment
$38,163
on $190,814
Monthly P&I
$995/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,264/mo
incl. taxes & insurance
Income Needed
$50,560
gross annual (30% rule)
10% Down Option
$19,081
+ PMI applies
Loan Amount (20% dn)
$152,651
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 Sharpsburg, KY?
The median home value in Sharpsburg is $190,814 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.9% year-over-year.
How much have home prices changed in Sharpsburg?
Over the past year, home values in Sharpsburg have increased by 2.9%. Over five years, prices have risen approximately 37.3%.
How much do I need to earn to buy a home in Sharpsburg?
To comfortably afford the median home price of $190,814 with a 20% down payment ($38,163) at today's rates (6.8%), you'd need a gross annual income of approximately $50,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Sharpsburg compare to the national average home price?
The national median home value is approximately $410,000. At $190,814, homes in Sharpsburg are 53% below the national average.
What metro area is Sharpsburg part of?
Sharpsburg is part of the Mount Sterling, KY metropolitan area. Home prices and market conditions can vary across the broader metro region.