Real Estate Investing in Mount Sterling, Kentucky

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

1 ZIP codes • Population: 22,534 • Montgomery County

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Should you buy in Mount Sterling, KY? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (66/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • Elevated vacancy: 10.2% vacancy may signal weakening demand.

What’s happening in Mount Sterling, KY?

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3.0/ 5

Investability

Citywide average

3.0/ 5

Appreciation

7.0% 5yr CAGR

5.0/ 5

Landlord Climate

Regulatory friendliness

🏦 30-yr Fixed Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS
Avg Investability
Avg Home Value $237,675
Avg Monthly Rent $1,151
ZIP Codes 1

Investing in Mount Sterling Real Estate

Across Mount Sterling's 1 ZIPs, the picture is muted: $238K median values, $1,151/mo rents, and a population that has faced real economic pressure.

A 3.0 rating and a 5-year CAGR of 0.0% are the kinds of numbers that warrant real local underwriting, not spreadsheet tourism. Mount Sterling is in that category.

The $1,151/mo / $238K relationship in Mount Sterling looks tepid once vacancy and capex are incorporated into underwriting. trends toward the realized yield tends to disappoint.

A an established population with $N/AK household income profile is what makes Mount Sterling a challenging rental market — the tenant base is present, but the affordability math is tight.

A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Best ZIP codes in Mount Sterling, KY

Mount Sterling is part of this metro. Every ZIP in it, ranked. Free.

Cash Flow → Appreciation → Affordable →

Landlord Ground Truth

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Avg Home Value
$237,675
Avg Monthly Rent
$1,151
1% Rule
✗ Below
Landlord Friendly (KY)

📉 Market Crash Risk Index

Based on Mount Sterling, KY metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
70%
Days Pending
0/2
0 days

View all metro crash risk rankings →

☀️ Warm Market — Mount Sterling, KY metro
0
Days to pending
7.9%
Listings with price cuts
0.0%
Sale-to-list ratio
📅 Data as of August 29, 2026 — updated weekly

ZIP Codes in Mount Sterling, KY

Screen every ZIP in Mount Sterling

Filter Mount Sterling’s ZIPs by cap rate, vacancy, appreciation and 30+ more criteria, and export your shortlist to CSV — with the Investor plan ($19/mo).

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Frequently Asked Questions About Mount Sterling, KY

How much rent can I charge in Mount Sterling, KY?

Mount Sterling, KY rentals go for roughly $1,151/mo a month. That puts gross yield in solid territory relative to $238K acquisition costs.

Is house hacking profitable in Mount Sterling, KY?

House hacking works a challenging in Mount Sterling, KY. Rents of $1,151/mo against $238K acquisition make the strategy solid for owner-occupants.

How much does a house cost in Mount Sterling, KY?

Homes in Mount Sterling, KY typically sell near $238K. Prices have moved at a 0.0% 5-year CAGR, which consistent long-term demand.

How strict are landlord regulations in Mount Sterling, KY?

Mount Sterling, KY operates under KY law, which is landlord-friendly overall for landlords. Expect steady treatment in typical lease and eviction cases.

Which investment style suits Mount Sterling, KY?

Investors usually favor careful cash-flow rentals with hands-on management in Mount Sterling, KY. With home values at $238K and rents near $1,151/mo, other strategies can work but produce measured rather than outsized returns.

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