Median home value in zip code 40353 (Mount Sterling, KY) is $225,739, up 4.8% year over year. Part of the Mount Sterling, KY metropolitan area.

Home Value$225,739

YoY Change

+4.8%

Prices rising — worse for buyers.

Affordability

Enter your income for 40353 (Mount Sterling).

Income (annual)

Down Payment

$45,148 on $225,739

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

Affordable23.5% of income

Under the 28% guideline.

PITI$1,470

P/I23.5%

Afford$269K

Room+$43K

P&I $1,141Tax $162Ins $167

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

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

Metro Analysis

40353 is part of the Mount Sterling, KY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Mount Sterling, KY analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.