Housing data for Mount Sterling, KY
Mount Sterling, KY has an estimated 7,551 residents and 3,507 homes (US Census Bureau, 2020–2024 American Community Survey).
It is a city in Montgomery County.
47.9% of households rent.
The median gross rent is $699 a month.
Its population grew measurably since 2015–2019 (+5.4%).
Figures last updated on .
- Residents
- 7,551 (±19)
- Housing units
- 3,507 (±223)
- Households that rent
- 47.9%
- Median gross rent
- $699
- Residents since 2015–2019
- +5.4%
What stands out in Mount Sterling
Homes in buildings of 5 or more units: 11.7% (±4.3 points) in Mount Sterling, higher than in Montgomery County (4.2%).
Households that rent: 47.9% (±8.6 points) in Mount Sterling, higher than in Montgomery County (31.7%).
Households that moved in since 2020: 28.9% (±6.1 points) in Mount Sterling, higher than in Montgomery County (20.4%).
Homes built before 1980: 58.9% (±10.7 points) in Mount Sterling, higher than in Montgomery County (41.6%).
- Types of homes in Mount Sterling
- Renters and owners in Mount Sterling
- How long people stay in Mount Sterling
- Age of homes in Mount Sterling
Housing in Mount Sterling at a glance
- Median rent: $699 median gross rent a month
- Rent by bedrooms: $888 median gross rent, 2 bedrooms
- Rent burden: 25.7% of renters pay 30% or more of income
- Renters and owners: 47.9% of households rent
- Income and affordability: $55,827 median household income
- Home values: $187,600 median home value
- Homeowner costs: $1,316 median monthly cost with a mortgage
- Property taxes: $1,421 median real estate taxes a year
- Types of homes: 11.7% of homes are in buildings of 5 or more units
- Bedrooms: 53.3% of homes have 3 or more bedrooms
- Age of homes: 58.9% of homes were built before 1980
- Vacancy rate: 1.9% rental vacancy rate (Small sample: wide margin of error)
- Heating fuel: 65.5% heat with electricity
- Commute and cars: 23.0 minutes average trip to work
- Crime reported to police: 197 violent crimes per 100,000 residents
- Growth: +5.4% residents since 2015–2019
- How long people stay: 28.9% moved in since 2020
- Crowding and facilities: 1.7% of homes have more than 1 person per room (Small sample: wide margin of error)
Mount Sterling against Montgomery County, its state and the nation
| Mount Sterling | Montgomery County | Kentucky | United States | |
|---|---|---|---|---|
| Residents | 7,551 (±19) | 28,395 (exact) | 4,534,824 (exact) | 334,922,499 |
| Housing units | 3,507 (±223) | 12,231 (±39) | 2,023,116 (±474) | 143,775,355 |
| Households that rent | 47.9% (±8.6 points) | 31.7% (±3.2 points) | 31.7% (±0.3 points) | 34.8% |
| Median gross rent | $699 (±$98) | $830 (±$41) | $967 (±$5) | $1,413 |
| Median household income | $55,827 (±$7,321) | $56,396 (±$3,128) | $63,726 (±$429) | $80,734 |
| Median home value | $187,600 (±$18,489) | $172,200 (±$11,202) | $205,600 (±$1,096) | $332,700 |
| Median real estate taxes (a year) | $1,421 (±$194) | $1,265 (±$98) | $1,544 (±$10) | $3,119 |
| Built before 1980 | 58.9% (±10.7 points) | 41.6% (±4.8 points) | 47.1% (±0.4 points) | 49.7% |
| Average commute | 23.0 minutes (±3.9) | 25.7 minutes (±1.9) | 24.0 minutes (±0.2) | 26.4 minutes |
| Households with broadband | 88.7% (±4.7 points) | 89.4% (±1.8 points) | 88.6% (±0.2 points) | 91.0% |
| Median age of residents | 37.8 years (±4.0) | 40.4 years (±0.8) | 39.1 years (±0.1) | 38.9 years |
Mount Sterling covers 4.5 square miles of land, about 1,680 residents per square mile (Census Bureau Gazetteer).
How Mount Sterling has changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Residents | 7,166 (±21) | 7,551 (±19) | +5.4% | Measurable increase |
| Housing units | 3,114 (±203) | 3,507 (±223) | +12.6% | Measurable increase |
| Median gross rent | $684 (±$51) | $699 (±$98) | +2.2% | Down after inflation |
| Median home value | $128,900 (±$18,284) | $187,600 (±$18,489) | +45.5% | Up after inflation |
| Median household income | $42,460 (±$5,690) | $55,827 (±$7,321) | +31.5% | No measurable change after inflation |
| Median owner cost with a mortgage | $1,068 (±$51) | $1,316 (±$133) | +23.2% | No measurable change after inflation |
| Median real estate taxes | $1,112 (±$182) | $1,421 (±$194) | +27.8% | No measurable change after inflation |
| Households that rent | 54.2% (±6.7 points) | 47.9% (±8.6 points) | −6.3 percentage points | Not a measurable change |
| Rental vacancy rate | 9.8% (±6.2 points) | 1.9% (±3.1 points) | −7.9 percentage points | Measurable decrease |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Crime reported to police in Mount Sterling
In 2025, the Mount Sterling Police Department reported 197 violent and 1,316 property crimes per 100,000 residents to the FBI.
Across Montgomery County, the departments that report recorded 114 violent and 802 property crimes per 100,000 residents that year.
Places near Mount Sterling
| Place | Distance | Median gross rent | Median home value | Households that rent |
|---|---|---|---|---|
| Camargo | 5.6 mi | $854 | $151,400 | 24.0% |
| Jeffersonville | 8.1 mi | $792 | $140,900 | 32.7% |
| Sharpsburg | 9.5 mi | $340 | $84,300 | 42.4% |
| North Middletown | 10 mi | $913 | $117,700 | 35.7% |
| Owingsville | 12 mi | $442 | $118,300 | 40.9% |
| Winchester | 14 mi | $916 | $188,300 | 39.5% |
| Clay City | 14 mi | $666 | $63,500 | 58.7% |
| Stanton | 16 mi | $775 | $123,000 | 45.7% |
Places in Kentucky most like Mount Sterling
| Place | Median gross rent | Median home value | Median household income | Households that rent |
|---|---|---|---|---|
| Cynthiana | $770 | $172,500 | $54,647 | 51.8% |
| Paris | $832 | $186,300 | $55,839 | 45.9% |
| Corbin | $733 | $166,000 | $51,065 | 46.5% |
| Central City | $683 | $143,600 | $50,885 | 40.6% |
| Leitchfield | $621 | $159,100 | $44,347 | 50.3% |
| Winchester | $916 | $188,300 | $54,378 | 39.5% |
Matched on rent, home value, income, the share who rent, the age of the homes, the share in apartment buildings and the commute, each measured against the spread across Kentucky.
HUD Fair Market Rent for Mount Sterling, fiscal year 2027
| Studio | 1 bedroom | 2 bedrooms | 3 bedrooms | 4 bedrooms |
|---|---|---|---|---|
| $717 | $767 | $1,004 | $1,314 | $1,320 |
HUD income limits for Mount Sterling, fiscal year 2026
| Household size | Extremely low (30%) | Very low (50%) | Low (80%) |
|---|---|---|---|
| 1 person | $16,000 | $26,700 | $42,700 |
| 2 people | $21,640 | $30,500 | $48,800 |
| 3 people | $27,320 | $34,300 | $54,900 |
| 4 people | $33,000 | $38,100 | $60,950 |
| 5 people | $38,680 | $41,150 | $65,850 |
| 6 people | $44,200 | $44,200 | $70,750 |
| 7 people | $47,250 | $47,250 | $75,600 |
| 8 people | $50,300 | $50,300 | $80,500 |
These are the limits HUD sets for its housing programs in the Montgomery County, KY, where HUD’s median family income for fiscal year 2026 is $76,200.
A program can use its own limits; tax-credit and local programs often do.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
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Questions about Mount Sterling
What is the average rent in Mount Sterling, KY?
The Census Bureau publishes the median rather than the average: the median gross rent in Mount Sterling is $699 (±$98) a month (2020–2024 American Community Survey), so half of renting households pay less and half pay more.
How much is a one-bedroom apartment in Mount Sterling?
The median gross rent for a one-bedroom home in Mount Sterling, KY is $340 (±$101) a month (2020–2024 American Community Survey).
Are renters in Mount Sterling rent-burdened?
25.7% of renting households in Mount Sterling pay 30% or more of their income in gross rent, the share housing researchers usually call rent-burdened (2020–2024 American Community Survey).
How many renters are there in Mount Sterling?
Mount Sterling has an estimated 1,472 (±310) renting households, 47.9% of its occupied homes (2020–2024 American Community Survey).
What is the median household income in Mount Sterling?
The median household income in Mount Sterling is $55,827 (±$7,321) a year (2020–2024 American Community Survey).
What is the average home value in Mount Sterling, KY?
The Census Bureau publishes the median: $187,600 (±$18,489) for owner-occupied homes in Mount Sterling (2020–2024 American Community Survey).
Is Mount Sterling growing?
In Mount Sterling, the number of residents went from 7,166 in 2015–2019 to 7,551 in 2020–2024 (+5.4%), a measurable increase.
Sources
- Demographic and Housing Estimates (DP05), 2020–2024 ACS 5-year estimates — Mount Sterling city, Kentucky
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Mount Sterling city, Kentucky
- Selected Economic Characteristics (DP03), 2020–2024 ACS 5-year estimates — Mount Sterling city, Kentucky
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Mount Sterling city, Kentucky
- Selected Social Characteristics (DP02), 2020–2024 ACS 5-year estimates — Mount Sterling city, Kentucky
- Total Population (B01003), 2015–2019 ACS 5-year estimates — Mount Sterling city, Kentucky
- Median Gross Rent (B25064), 2015–2019 ACS 5-year estimates — Mount Sterling city, Kentucky
- HUD Fair Market Rents, fiscal year 2027: Montgomery County, KY
- HUD Income Limits, fiscal year 2026: Montgomery County, KY
- FBI Uniform Crime Reporting Program, Crime Data Explorer: Mount Sterling Police Department (ORI KY0870100)
- FBI: Uniform Crime Reporting statistics and their proper use
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
- US Census Bureau, 2024 Gazetteer Files
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) for Mount Sterling city, Kentucky (place:54084, in state:21).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B01003_001E, B01003_001M, B25064_001E, B25064_001M from the 2019 release.
The API needs a free key.
DP05_0001E, DP05_0001M, DP04_0001E, DP04_0001M, DP04_0047PE, DP04_0047PM, DP04_0134E, DP04_0134M, DP03_0062E, DP03_0062M, DP04_0089E, DP04_0089M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .