Mount Sterling, KY Metro Area - Investment Guide
Metro Area • 9 Cities • 9 ZIP Codes
Avg Home Value
$179,604
Avg Monthly Rent
$859
Avg Cap Rate
3.82%
Avg Investability
3.0 ★
Cities
9
ZIP Codes
9
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Market Trends
Metro Home Value History
Metro Rent History
🏦 30-yr Fixed Rate:
7.28%
as of Oct 1
Source: Freddie Mac PMMS
☀️
WARM MARKET
Mount Sterling, KY Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
8.3%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅
Market conditions data as of September 19, 2026 — updated weekly
Best ZIP codes in Mount Sterling, KY
Every ZIP in the metro, ranked four ways. Free.
Cities in Mount Sterling, KY
Top ZIP Codes by Investability
| ZIP Code | City | State | Home Value | Rent | Cap Rate | Rating |
|---|---|---|---|---|---|---|
| 40322 | Frenchburg | KY | $144,490 | $783 | 4.23% | |
| 40371 | Salt Lick | KY | $154,150 | $855 | 4.33% | |
| 40371 | Salt Lick | KY | $167,703 | $855 | 3.98% | |
| 40346 | Means | KY | $156,134 | $810 | 4.05% | |
| 40353 | Mount Sterling | KY | $222,352 | $953 | 3.34% | |
| 40374 | Sharpsburg | KY | $187,828 | $945 | 3.92% | |
| 40358 | Olympia | KY | $200,764 | $828 | 3.22% | |
| 40387 | Wellington | KY | $128,475 | $783 | 4.75% | |
| 40360 | Owingsville | KY | $176,727 | $783 | 3.46% | |
| 40337 | Jeffersonville | KY | $217,634 | $792 | 2.84% | |
| 40374 | Sharpsburg | KY | $174,509 | $945 | 4.22% | |
| 40346 | Means | KY | $169,531 | $810 | 3.73% | |
| 40353 | Mount Sterling | KY | $236,509 | $1,069 | 3.53% | |
| 40387 | Wellington | KY | $128,352 | $783 | 4.76% | |
| 40322 | Frenchburg | KY | $128,477 | $783 | 4.75% | |
| 40358 | Olympia | KY | $204,421 | $828 | 3.16% | |
| 40337 | Jeffersonville | KY | $194,724 | $792 | 3.17% | |
| 40360 | Owingsville | KY | $184,876 | $783 | 3.30% | |
| 40371 | Salt Lick | KY | $168,600 | $855 | 3.96% | |
| 40346 | Means | KY | $156,134 | $810 | 4.05% | |
| 40353 | Mount Sterling | KY | $222,352 | $953 | 3.34% | |
| 40374 | Sharpsburg | KY | $186,366 | $945 | 3.96% | |
| 40358 | Olympia | KY | $200,764 | $828 | 3.22% | |
| 40387 | Wellington | KY | $141,632 | $783 | 4.31% | |
| 40322 | Frenchburg | KY | $129,804 | $783 | 4.71% | |
| 40360 | Owingsville | KY | $176,727 | $783 | 3.46% | |
| 40337 | Jeffersonville | KY | $208,786 | $792 | 2.96% | |
| 40371 | Salt Lick | KY | $154,150 | $855 | 4.33% | |
| 40374 | Sharpsburg | KY | $174,509 | $945 | 4.22% | |
| 40346 | Means | KY | $149,657 | $810 | 4.22% | |
| 40353 | Mount Sterling | KY | $232,359 | $1,215 | 4.08% | |
| 40387 | Wellington | KY | $128,352 | $783 | 4.76% | |
| 40358 | Olympia | KY | $200,549 | $828 | 3.22% | |
| 40322 | Frenchburg | KY | $132,110 | $783 | 4.62% | |
| 40360 | Owingsville | KY | $180,661 | $783 | 3.38% | |
| 40371 | Salt Lick | KY | $161,587 | $855 | 4.13% | |
| 40337 | Jeffersonville | KY | $217,883 | $792 | 2.84% | |
| 40374 | Sharpsburg | KY | $182,690 | $945 | 4.03% | |
| 40346 | Means | KY | $152,706 | $810 | 4.14% | |
| 40353 | Mount Sterling | KY | $237,675 | $1,151 | 3.78% | |
| 40387 | Wellington | KY | $126,433 | $783 | 4.83% | |
| 40322 | Frenchburg | KY | $122,774 | $783 | 4.97% | |
| 40358 | Olympia | KY | $202,950 | $828 | 3.18% | |
| 40337 | Jeffersonville | KY | $202,448 | $792 | 3.05% | |
| 40360 | Owingsville | KY | $187,451 | $783 | 3.26% | |
| 40371 | Salt Lick | KY | $166,839 | $855 | 4.00% | |
| 40346 | Means | KY | $150,405 | $810 | 4.20% | |
| 40353 | Mount Sterling | KY | $225,739 | $1,215 | 4.20% | |
| 40374 | Sharpsburg | KY | $188,851 | $945 | 3.90% | |
| 40358 | Olympia | KY | $194,144 | $828 | 3.33% |
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About Mount Sterling, KY Real Estate Market
The Mount Sterling, KY metropolitan statistical area (MSA) encompasses 9 cities and 9 ZIP codes. The average home value across the metro is $179,604, with an average monthly rent of $859. Explore individual cities and ZIP codes to find investment opportunities that match your criteria.