The median home in Mount Sterling, Kentucky is valued at $209,522, up 3.9% year over year. Mount Sterling is part of the Mount Sterling, KY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$209,522

+3.9%

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$41,904 on $209,522

Example: $75,000 household income. Change it above to see your own.

Affordable22% of income

Under the 28% guideline.

PITI$1,376

P/I22%

Afford$266K

Room+$57K

P&I $1,059Tax $150Ins $167

6.50% 30yr, 20% down, county tax + KY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Kentucky

Compare Mount Sterling with other housing markets across Kentucky.

Prospect$595K Finchville$481K Goshen$474K Crestwood$467K River Bluff$446K Wilsonville$445K Union$444K Buckner$429K

Full Mount Sterling, KY analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Mount Sterling, KY metro.

View Mount Sterling, KY metro

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