Market Overview
Home Prices in Sturgis, KY
The median home value in Sturgis, KY is $111,434 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 5% compared to a year ago and up 4.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Sturgis are priced73% below average.
Over the past five years, Sturgis home values have risen by approximately22.8%, reflecting strong long-term appreciation in this market.
Price History
Sturgis Home Price Trend
2020
$76,439
$76K
—
2021
$90,744
$91K
+18.7%
2022
$104,061
$104K
+14.7%
2023
$105,780
$106K
+1.7%
2024
$112,363
$112K
+6.2%
2025
$117,340
$117K
+4.4%
2026
$111,434
$111K
-5.0%
City Comparison
Sturgis vs. National Median
🏠 Sturgis
$111,434
National Median
$410,000
At $111,434, homes in Sturgis cost 73% below the national median of $410,000. This makes Sturgis a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Sturgis?
20% Down Payment
$22,287
on $111,434
Monthly P&I
$581/mo
30-yr @ 6.8%
Total Monthly Est.
~$738/mo
incl. taxes & insurance
Income Needed
$29,520
gross annual (30% rule)
10% Down Option
$11,143
+ PMI applies
Loan Amount (20% dn)
$89,147
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 Sturgis, KY?
The median home value in Sturgis is $111,434 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 5% year-over-year.
How much have home prices changed in Sturgis?
Over the past year, home values in Sturgis have decreased by 5%. Over five years, prices have risen approximately 22.8%.
How much do I need to earn to buy a home in Sturgis?
To comfortably afford the median home price of $111,434 with a 20% down payment ($22,287) at today's rates (6.8%), you'd need a gross annual income of approximately $29,520. This assumes keeping total housing costs at or below 30% of gross income.
How does Sturgis compare to the national average home price?
The national median home value is approximately $410,000. At $111,434, homes in Sturgis are 73% below the national average.