Everything You Should Know Before Moving to Mount Sterling, KY
Thinking of moving to Mount Sterling, KY? With a friendly population of just over 7,300, this welcoming small city offers affordable living, where median home prices are around $163,000 and average rents are about $780. Residents enjoy a moderate cost of living, a short average commute of 21 minutes, and access to local schools and a general hospital. While crime rates are a bit above the national average, the community's relaxed pace, reasonable housing costs, and charming climate with 56% sunny days make Mount Sterling a comfortable place to call home.
Demographics - Mount Sterling, KY
Demographics - Mount Sterling, KY
Mount Sterling is home to about 7,350 residents, with a median age of 39, and a population density that provides a blend of small-town comfort and accessibility. The community is predominantly White (88%), with a modest representation of other groups, and a gender ratio slightly favoring females. Roughly 4% of residents speak a language other than English at home, reflecting a primarily English-speaking population.
Population:
7,350
Density:
1,700 per sq mi
Median Age:
39.2
Gender Ratio:
92 males per 100 females
Non-English Speakers Percentage:
4.0%
Ethnic Composition
White:
88.3%
Black:
6.2%
Asian:
0.4%
Others:
5.1%
Cost Of Living
What is the average cost of living in Mount Sterling, KY?
Mount Sterling offers an affordable lifestyle, with a median home value of $163,000 and average rents around $780 per month. The cost of living index stands at 82.7, which is notably below the national average, making everyday expenses such as housing, groceries, and utilities especially budget-friendly for new residents. State income tax is a flat 5%, helping to keep overall costs manageable.
Median House Value:
$163,000
Gross Rent:
$780
Monthly Electricity Charges:
$120
Auto Insurance:
$1,250
House Owner Cost With Mortgage:
$1,050
House Owner Cost Without Mortgage:
$370
State Taxes:
Low:
5.0%
|
High:
5.0%
Cost Of Living Index:
82.7
Grocery:
92.5
Housing:
62.0
Utilities:
94.3
Transportation:
86.2
Health Care:
86.5
Miscellaneous:
88.0
Crime
Is Mount Sterling, KY a safe place to live?
Crime rates in Mount Sterling are somewhat higher than the national average, with residents facing a 1 in 463 chance of experiencing violent crime and a 1 in 48 chance of property crime annually. While the area is generally safe for families, it's wise to stay alert and choose neighborhoods with lower reported incidents. The overall crime index reflects a need for practical precautions, particularly regarding property security.
Violent Crimes Per 100k:
216
Property Crimes Per 100k:
2,090
Crime Index:
2,306
Chance Of Violent Crime:
1 in 463
Chance Of Property Crime:
1 in 48
Weather
What is the weather like in Mount Sterling, KY year-round?
Mount Sterling experiences all four seasons, with mild winters averaging lows of 26°F and warm summers reaching highs of 86°F. The city enjoys about 56% sunny days each year and receives close to 48 inches of rainfall, offering a comfortable climate for outdoor activities. Seasonal transitions are gentle, making it an inviting spot for those who appreciate changing weather without extreme conditions.
Winter
Min:
26°F
Max:
43°F
Spring
Min:
43°F
Max:
70°F
Summer
Min:
65°F
Max:
86°F
Fall
Min:
46°F
Max:
72°F
Average Rainfall Inches:
47.5 inches
Sunny Days Percentage:
56%
Neighbors
Residents of Mount Sterling enjoy a close-knit community with a median household income of $48,300 and a family income of $62,000. The area has an 18% poverty rate, while about 86% of adults have completed high school or higher education, and the average commute time is a manageable 22 minutes. Unemployment remains moderate at 4.7%, and public transportation usage is minimal, underscoring the city’s small-town feel.
Median Income:
$31,200
Household Income:
$48,300
Family Income:
$62,000
Per Capita Income:
$24,500
Income Male:
$38,000
Income Female:
$29,600
Poverty Rate:
18.2%
Non English Speakers:
4.0%
Rent:
$780
Unemployment Rate:
4.7%
Public Transport Usage:
0.2%
Commute Time:
21.7 minutes
Education
High School or Higher:
86.4%
Bachelors or More:
18.6%
Education
How are the schools in Mount Sterling, KY?
Mount Sterling offers public and private school options, including Montgomery County High School and Mount Sterling Elementary, both known for reasonable student-teacher ratios and supportive learning environments. While higher education opportunities are not within the city itself, colleges such as Morehead State University and Bluegrass Community & Technical College are a short drive away. This gives families and students easy access to quality education at every level.
Public Schools
Name:
Montgomery County High School
Street:
724 Woodford Dr
Phone:
859-497-8765
Students:
1,200
Student Teacher Ratio:
17.1
Name:
Mount Sterling Elementary School
Street:
212 North Maysville St
Phone:
859-497-8730
Students:
600
Student Teacher Ratio:
16.5
Private Schools
Name:
Gateway Christian Academy
Street:
101 Hillway Dr
Phone:
859-498-4939
Students:
90
Colleges
Name:
Morehead State University
City:
Morehead
State:
KY
Distance:
27 miles
Students:
9,500
Name:
Bluegrass Community & Technical College
City:
Winchester
State:
KY
Distance:
16 miles
Students:
4,700
Healthcare
Healthcare in Mount Sterling is anchored by Saint Joseph Mount Sterling, a general and surgical hospital that provides emergency services. With about 1.3 physicians per 1,000 residents and health insurance coverage reaching over 90%, most locals have access to essential medical care. The healthcare index suggests services are readily available and of good quality for a city of its size.
Major Hospitals
Name:
Saint Joseph Mount Sterling
Address:
225 Falcon Dr, Mt Sterling, KY 40353
Phone:
(859) 497-5000
Type:
General & Surgical
Emergency Services:
Yes
Physicians Per 1000:
1.3
Health Insurance Coverage:
90.5%
Health Care Index:
77.0
Housing Market
What is the housing market like in Mount Sterling, KY?
Mount Sterling's housing market features a median home price of $163,000 and two-bedroom rents averaging $800, making homeownership and renting accessible options. Over half the homes are owner-occupied, and the area has seen home appreciation of 5.3% in the past year, reflecting steady growth. Vacancy and foreclosure rates remain low, indicating a stable and affordable market for newcomers.
Median Home Price:
$163,000
Average Rent For 2 Bedroom:
$800
Owner Occupied Rate:
54.9%
Rental Vacancy Rate:
8.6%
Home Appreciation Rate (1yr):
5.3%
New Construction Rate:
1.1%
Foreclosure Rate:
0.4%
DMV Information
Residents handle driver licensing and vehicle registration through the Kentucky Transportation Cabinet’s Division of Driver Licensing. The main office is located in Frankfort, and many services are accessible online for convenience. This ensures straightforward DMV access for Mount Sterling locals.
State:
Kentucky
Department:
Kentucky Transportation Cabinet – Division of Driver Licensing
Address:
200 Mero St, Frankfort, KY 40622
Phone:
502-564-1257
Website:
Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.