City

Mount Sterling, KY

1 ZIP code  ·  Montgomery County  ·  Kentucky

👥22,534Population
💰$56,981Median HH Income▼ 25% below avg
🎂41.9Median Age
🏠$179,600Median Home Value▼ 36% below avg
🎓31.6%College Grads▼ 18% below avg
📊3.8%Unemployment▼ 23% below avg
People & Population (ACS 2023 — weighted avg)
♂ Male 48.1% Female 51.9% ♀

Race & Ethnicity

White: 90.8%Hispanic: 3.8%Black: 3.3%Asian: 0.6%Other: 1.1%Race
White90.8%
Hispanic3.8%
Black3.3%
Asian0.6%
Other1.1%

Age Breakdown

Under 5
4%
5–17
17%
18–24
9%
25–44
25%
45–64
26%
65+
8%

Key Indicators

Median Age41.9 yrs
Avg HH Size2.46
Below Poverty14.8% ▲ 48% above avg
College Grads31.6% ▼ 18% below avg
Unemployment3.8% ▼ 23% below avg
No HS Diploma137 (1%)
HS Graduate5,192 (38%)
Some College2,279 (16.7%)
Associates1,736 (12.7%)
Bachelors1,047 (7.7%)
Graduate Degree3,274 (24%)

Education

No HS: 1%HS Grad: 38%Some College: 16.7%Associates: 12.7%Bachelors: 7.7%Graduate: 24%Edu
No HS1.0%
HS Grad38.0%
Some College16.7%
Associates12.7%
Bachelors7.7%
Graduate24.0%
Housing & Income

Housing Tenure

Owner: 63.6%Renter: 36.4%Tenure
Owner63.6%
Renter36.4%

Home Value Distribution

Under $50k
9%
$50k–$100k
14%
$100k–$150k
19%
$150k–$200k
17%
$200k–$300k
23%
$300k–$500k
15%
Over $500k
3%

Financials

Median HH Income$56,981 ▼ 25% below avg
Median Home Value$179,600 ▼ 36% below avg
Home/Income Ratio3.2x (nat avg ~3.5x)
Median Rent$794/mo
Total Housing Units9,876
Vacant Units873

Income Distribution

Under $25k
24%
$25k–$50k
18%
$50k–$75k
17%
$75k–$100k
18%
$100k–$150k
18%
$150k–$200k
4%
Over $200k
3%
Employment & Commute

How People Get to Work

Drove Alone
91%
Public Transit
0%
Walked
1%
Work From Home
8%

Commute Time

Under 15 min
47%
15–30 min
17%
30–45 min
17%
Over 45 min
20%
Housing Stock

Year Built

Before 1940
1%
1940s–1950s
7%
1960s–1970s
16%
1980s–1990s
19%
2000+
56%
About Mount Sterling, KY

Mount Sterling is a city in Kentucky, located in Montgomery County. The city spans 1 ZIP code and is home to approximately 22,534 residents. It is a middle-aged city, with a median age of 41.9 years.

Economically, Mount Sterling is a solidly middle-class community. The median household income of $56,981 is below the national average. Approximately 14.8% of residents live below the poverty line. The unemployment rate is 3.8%, below the national average.

The real estate market in Mount Sterling is an affordable housing market. Median home values stand at $179,600, which is below the national average. Renters typically pay around $794 per month. Homeownership is high at 63.6%, typical of suburban and family-oriented communities.

The population of Mount Sterling is moderately educated. 31.6% of adults hold a bachelor's degree or higher — below the national average. The community is primarily White (90.78%).

Mount Sterling, KY offers residents a cost-conscious lifestyle within Kentucky.

ZIP Codes in Mount Sterling
ZIPPopulationMedian IncomeMedian HomeMedian RentUnemp.CollegeOwner Occ.
40353 22,534 $56,981 $179,600 $794 3.8% 31.6% 63.6%