| Metric | Latest | Detail |
|---|---|---|
| Median listing price | $275,725 | -1.6% YoY |
| Median price per sq ft | $174 | 1,589 sq ft median |
| Median days on market | 61 | +17% YoY |
| Active listings | 173 | -1% YoY |
| New listings this month | 66 | September 2026 |
| Listings with a price cut | 17% | Share of active |
| Median sale price (closed) | $232,500 | -6.1% YoY · closed sales, July 2026 |
| Sale-to-list ratio | 96.4% | Closed sales, July 2026, seasonally adjusted |
| Pending-to-active ratio | 36.8% | 64 pending |
| Inventory vs 2019 | 126% | Active listings vs same month in 2019 |
Metropolitan market · Kentucky · September 2026 data
What is the Mount Sterling, KY real estate market doing?
As of September 2026, the median home listed in Mount Sterling, KY asks $275,725, down 1.6% year over year. Homes spend a median of 61 days on market, with 173 active listings and 17% carrying a price cut; pending contracts equal 37% of active listings, and inventory sits at 126% of the same month in 2019 — a balanced market. Figures come from public records and industry data, updated monthly.
Median listing price
$275,725
▼ 1.6% YoY
Median $ / sq ft
$174
1,589 sq ft median
Median days on market
61
September 2026
Active listings
173
For sale now
New listings
66
September 2026
Listings with price cuts
17%
Share of active
Inventory vs 2019
126%
Same month, 2019 = 100
Pending / active
37%
Contract activity
Median sale price (closed)
$232,500
▼ 6.1% YoY · closed sales · July 2026
Sale-to-list ratio
96.4%
Closed sales · July 2026, seasonally adjusted
Homes sold / month
42
Closed sales · July 2026, seasonally adjusted
What is the Mount Sterling, KY housing market doing right now?
The Mount Sterling, KY housing market lists at a $275,725 median as of September 2026, down 1.6% year over year, with a 61-day median market time and 173 homes for sale (17% with a price cut). Active inventory is 126% of the 2019 level, reading as a balanced market under WealthyBud's published buyer/seller rule.
Mount Sterling housing market statistics
The table summarizes Mount Sterling's key housing figures for September 2026 — median listing and closed-sale prices, market pace, inventory and rental yield — each computed from public records and industry data. Closed-sale figures are Redfin's July 2026 data, the latest settled month Redfin reports for Mount Sterling.
How have home prices changed in Mount Sterling?
Mount Sterling home prices are down 1.6% year over year and +1.4% month over month as of September 2026, at a $275,725 median listing price. The chart tracks the trailing eight-quarter trend in the metro's median asking price.
Median listing price, Mount Sterling KY · trailing 8 quarters · source: public records and industry data.
The 10-year view
10-year median listing price, Mount Sterling KY · June of each year, 2017–2026 · source: public records and industry data.
How much inventory is on the market in Mount Sterling?
Mount Sterling has 173 active listings, 66 new this month, 64 pending as of September 2026. About 17% of active listings have cut their price, and inventory sits at 126% of its 2019 level — a balanced market by pace.
Is Mount Sterling a good real estate investment?
Mount Sterling scores 40/100 on WealthyBud's composite Investor Score, ranking #659 of 933 covered U.S. metros as of September 2026. The score blends price momentum, value, rental yield, supply and market heat into one percentile. It is a research opinion, not advice.
Investor Score
40/100
#659 of 933 covered metros
Mount Sterling scores 40/100 on our composite Investor Score (#659 of 933 covered metros), a percentile blend of momentum, value, rental yield, supply and market-heat readings; active inventory sits at 126% of its June 2019 level, so supply is fully rebuilt past pre-pandemic norms; listing prices are down 1.6% year over year; all against a national 30-year fixed mortgage rate of 7.28% (national weekly average, 2026-10-01).
Scores are percentile ranks (0–100) across all covered U.S. metros, computed from the public data cited on this page — formulas here. They are data-derived opinions, not investment advice. See how Mount Sterling ranks on the trending markets index.
How much is a monthly mortgage payment in Mount Sterling?
A home at Mount Sterling's $275,725 median listing runs about $1,509 a month in principal and interest — 20% down on a 30-year fixed loan at the current 7.28% national average rate. Taxes, insurance and HOA are extra.
If rates fall 1% · 6.28%
$1,362/mo
−$147/mo vs today
At today's rate · 7.28%
$1,509/mo
National weekly average
If rates rise 1% · 8.28%
$1,662/mo
+$153/mo vs today
Principal & interest on the $275,725 median listing with 20% down and a 30-year fixed loan — excludes taxes, insurance and HOA. Current rate: 7.28% (national weekly average, 2026-10-01). Model a full deal in the deal analyzer.
How much income do you need to buy a home in Mount Sterling?
To buy Mount Sterling’s $275,725 median listing with 20% down, a household needs about $72,000 a year in gross income, keeping principal, interest and property tax ($1,675/mo) at 28% of income. That is 1.3× the area’s $55,186 median household income, so a typical Mount Sterling household cannot afford the median listing on these terms.
| Item | Amount | Basis |
|---|---|---|
| Median listing price | $275,725 | September 2026 |
| Down payment (20%) | $55,145 | Assumption |
| Principal & interest (7.28%, 30-yr fixed) | $1,509/mo | Rate as of 2026-10-01 |
| Property tax (0.72% effective rate) | $165/mo | Census ACS |
| Income needed (28% rule) | $72,000 | Gross household income / yr |
| Median household income | $55,186 | Census ACS 2023 ACS 5-year |
Excludes homeowners insurance, HOA dues and mortgage insurance, so the true income needed is higher. Compare every market in the income-needed ranking and the price-to-income ranking.
What is driving the Mount Sterling housing market?
Longer-run demand in Mount Sterling shows up in 55 homes permitted in 2025; net migration of +213 residents. Natural-hazard risk rates Very Low. These federal supply-pipeline, migration and jobs signals shape where prices head next.
Building permits (2025)
55
▼ 1.8% vs 2024
1.2 per 1,000 residents
Net migration (2022–2023)
+213
▲ people, via tax-return records
net income flow +$3.93M/yr
Natural-hazard risk
Very Low
National hazard index · top hazard: Riverine flooding
Based on public government records — building-permit, tax-return migration, employment and natural-hazard statistics, aggregated to the metro. Details on /methodology.
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ReadMount Sterling housing market FAQ
What is the median home price in Mount Sterling?
As of September 2026, the median listing price in Mount Sterling, KY is $275,725, down 1.6% year over year (source: public records and industry data). Figures cover the Mount Sterling, KY metro area.
How much does it cost to buy a home in Mount Sterling?
The median home listed in Mount Sterling asks $275,725 as of September 2026. With 20% down on a 30-year fixed loan at the current 7.28% national average rate, that runs about $1,509 a month in principal and interest, before taxes, insurance and HOA.
How fast are homes selling in Mount Sterling?
The median property in Mount Sterling spends 61 days on the market, with 173 homes actively listed and 17% of them carrying a price cut — a balanced market as of September 2026.
Is it a buyer's or seller's market in Mount Sterling?
With a median 61 days on market and 17% of active listings carrying a price cut, pending contracts at 37% of active listings, Mount Sterling reads as a balanced market as of September 2026. Labels use WealthyBud's published DOM / sale-to-list / price-cut / pending rule. Conditions shift monthly.
Is Mount Sterling a good place to invest in real estate?
Mount Sterling scores 40/100 on WealthyBud's Investor Score, ranking #659 of 933 covered U.S. metros as of September 2026. The score blends price momentum, value, rental yield, supply and market heat. It is a data-derived research opinion, not investment advice.
Who are the top real estate agents in Mount Sterling?
See WealthyBud directories for the top-producing agents, teams and brokerages serving Mount Sterling and the wider Kentucky market, ranked by recent sales from public profile data.
Based on public records and industry data, September 2026 — see our methodology for how every figure is computed. Figures cover the Mount Sterling, KY metro area. Figures change monthly — verify current conditions with a local agent or MLS. Portions of market data courtesy of Realtor.com and Redfin; additional statistics from U.S. government sources.
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