House Prices

House Prices & Home Values Mount Sterling, KY 2026


Average Data

average house price$257,000
average size per house2528 ft²
average price per ft²102 $ / ft²

04/19/2026 - The value range (VR) for house prices in Mount Sterling, KY is $122/ sqft to $122/ sqft. An average home with 2528 sqft costs approximately $308,416 to $308,416. Mount Sterling, KY includes 1 ZIP codes and it is located in Montgomery county. The lowest prices are found in ZIP 40353, while the highest are in ZIP 40353. The average price per sqare feet is $102. Our analysis is based on 2 property listings.

Avergage prices by ZIP codes Mount Sterling

40353123 $ / ft²




Historical development of home values in Mount Sterling

Year Estimated value (USD) Change vs. 2025
2010 $119,355 -53.6%
2011 $114,740 -55.4%
2012 $114,431 -55.5%
2013 $118,708 -53.8%
2014 $124,611 -51.5%
2015 $131,006 -49.0%
2016 $137,843 -46.4%
2017 $145,283 -43.5%
2018 $153,315 -40.3%
2019 $160,424 -37.6%
2020 $168,717 -34.4%
2021 $191,898 -25.3%
2022 $223,710 -13.0%
2023 $235,912 -8.2%
2024 $249,560 -2.9%
2025 $257,000 0.0%

Graph: estimated home values in Mount Sterling over time (USD)



Example: 100% financing house in Mount Sterling

Loan amount: $257,000

Interest rate: 6.00%

Fixed monthly payment: $1,540.84

Breakdown in the 1st month:
Interest portion: $1,285.00  –  Principal portion: $255.84

Yearly breakdown (100% financing)

Year Interest per year ($) Principal per year ($) Remaining balance at year-end ($)
1 $15,334.15 $3,155.99 $253,844.01
2 $15,139.49 $3,350.64 $250,493.37
3 $14,932.83 $3,557.31 $246,936.06
4 $14,713.43 $3,776.71 $243,159.35
5 $14,480.49 $4,009.65 $239,149.70
6 $14,233.18 $4,256.96 $234,892.74
7 $13,970.62 $4,519.52 $230,373.22
8 $13,691.87 $4,798.27 $225,574.95
9 $13,395.92 $5,094.22 $220,480.73
10 $13,081.72 $5,408.42 $215,072.31
11 $12,748.14 $5,742.00 $209,330.32
12 $12,393.99 $6,096.15 $203,234.16
13 $12,017.99 $6,472.15 $196,762.01
14 $11,618.80 $6,871.34 $189,890.68
15 $11,194.99 $7,295.15 $182,595.53
16 $10,745.04 $7,745.09 $174,850.44
17 $10,267.34 $8,222.80 $166,627.64
18 $9,760.18 $8,729.96 $157,897.68
19 $9,221.73 $9,268.40 $148,629.28
20 $8,650.08 $9,840.06 $138,789.22
21 $8,043.17 $10,446.97 $128,342.24
22 $7,398.82 $11,091.32 $117,250.93
23 $6,714.73 $11,775.41 $105,475.52
24 $5,988.45 $12,501.69 $92,973.83
25 $5,217.37 $13,272.77 $79,701.06
26 $4,398.74 $14,091.40 $65,609.66
27 $3,529.61 $14,960.53 $50,649.14
28 $2,606.88 $15,883.26 $34,765.88
29 $1,627.23 $16,862.90 $17,902.97
30 $587.17 $17,902.97 $0.00

Note: The calculation is based on a standard annuity mortgage with a fixed monthly payment over the entire term. Extra payments, interest rate changes, and additional purchase costs (e.g. taxes, notary fees) are not included.


How to sell in Mount Sterling, KY


1500 sqft3900 sqft
Ø selling price$185,131$393,823
Ø fast selling$168,300$354,440
Ø high price sale$201,961$433,205

In 2026, houses in Mount Sterling, KY will be offered at an average price of $102 per square foot. A 1,500 sqft home priced at $185,131 is 23.05% more expensive per square foot than a 3,900 sqft home priced at $393,823. Home prices in Mount Sterling, KY vary significantly depending on the neighborhood and location. For a quick sale, a 2,700 sqft home should be listed at around $272,646. Sellers who can wait longer may achieve a higher price of up to $333,234.


Discover Mount Sterling, KY

Location and Lifestyle

Located in Montgomery County along I-64, Mount Sterling, KY sits about 35 miles east of Lexington in Kentucky?s Bluegrass region.
The city blends historic neighborhoods and a revitalized downtown with modern conveniences and scenic farmland. Residents enjoy a friendly pace of life, affordable housing, and quick access to regional employers and healthcare.

Attractions and Things to Do

Stroll historic Main Street to browse boutiques, local eateries, and the Gateway Regional Arts Center. Outdoor lovers head to Easy Walker Park and nearby adventures at the Red River Gorge and Daniel Boone National Forest.
Each October, the legendary Mount Sterling Court Day draws thousands for crafts, antiques, and bluegrass culture. Family-friendly events, farmers markets, and youth sports round out a full community calendar.

Business and Community

With a strategic location on the I-64 growth corridor, the city supports manufacturing, logistics, and small-business startups. Strong public schools, workforce training, and broadband help businesses thrive while keeping talent local.
Whether you are relocating, investing, or visiting, Mount Sterling, Kentucky offers authentic charm, opportunity, and easy connections across the region.



FAQ – Home Values in Mount Sterling

What is the median home value in Mount Sterling in 2026?

In 2026, the typical home value in Mount Sterling is about $257,000 for an average home size of 2528 square feet. This corresponds to an average price of roughly $102 per square foot.

What is the average cost per square foot in Mount Sterling?

In 2026, homes in Mount Sterling sell for an average of around $102 per square foot, with a typical range between $122 and $122 per square foot, depending on the property’s location, condition, and lot size.

What is the average home size in ?

The average home size in Mount Sterling is about 2528 square feet, with an estimated 2026 value around $257,000.



Locations close to Mount Sterling, KY

Nicholasville, KY232 $ / ft²
Olympia, KY98 $ / ft²
Owenton, KY217 $ / ft²
Morehead, KY104 $ / ft²
Moorefield, KY120 $ / ft²
Millersburg, KY170 $ / ft²
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