Cost of living in Mount Sterling, Kentucky
Mount Sterling, Kentucky has about 7,551 people. Typical rent is $699 a month, including utilities, and a typical household earns $55,827 a year. Both figures are Census 2020–2024 medians, not a listing or your pay. This site does not approve or deny benefits. A missing figure stays blank. We do not guess it.
Ranked #2 in Kentucky on the 2026 Most Affordable Towns Index.
Simple answer
Typical rent is $699 a month.
Mount Sterling is a city in Kentucky. That rent number includes utilities. A typical household earns $55,827 a year.
- People
- 7,551
- Census average, 2020–2024
- Typical rent
- $699
- Median gross rent, includes utilities
- Typical pay
- $55,827
- Median household income, yearly
- Typical home
- $187,600
- Median home value
- 2-bedroom fair rent
- $1,004
- Montgomery County, KY
Mount Sterling, Kentucky has about 7,551 people. That count is a 2020–2024 Census average, not a headcount from one day.
A typical home is worth about $187,600.
HUD's fair-market rent for a 2-bedroom in Montgomery County is $1,004 a month. That is the county number, not an apartment listing in Mount Sterling. It runs from October 2026 through September 2027.
Kentucky's prices sit at 90.2 when the U.S. average is 100. This place is not in a metro area with its own index, so this is the state number from BEA for 2024.
Kentucky taxes wages. A typical combined sales tax is 6.0% as of January 1, 2026. That mix is statewide, not Mount Sterling's exact store tax.
Some places in Kentucky add a local wage tax. In 2023 the state average was about 0.93% of income. That is not a Mount Sterling bill.
In July 2026, a typical Kentucky home paid 13.81¢ per kilowatt-hour. That is a state average from EIA, not Mount Sterling's bill.
EIA did not publish a 2025 all-grades gas price for Kentucky in the table we use.
Among 216 places we list in Kentucky with a rent figure, 162 have higher typical rent than Mount Sterling.
Nearby places
- Jeffersonville
Typical rent $792
Compare with Mount Sterling - Owingsville
Typical rent $442
Compare with Mount Sterling - Winchester
Typical rent $916
Compare with Mount Sterling - Clay City
Typical rent $666
Compare with Mount Sterling - Stanton
Typical rent $775
Compare with Mount Sterling - Carlisle
Typical rent $636
Compare with Mount Sterling - Paris
Typical rent $832
Compare with Mount Sterling - Irvine
Typical rent $710
EBT nearby
USDA has a live map of stores that take SNAP. We did not copy that store list here. The downloadable file is a history file for 2005 through 2025, so the live map is the one to use.
Locator page updated 2026-09-11. Last checked 2026-10-16.
Food stamps (SNAP) tools in Kentucky
Bigger places in Kentucky
Census 2020-2024. HUD rents for October 2026–September 2027. BEA prices for 2024. Taxes as of January 1, 2026. Checked 2026-10-16. 15,000 places are in this guide.