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Area data

Mount Sterling, KY — ZIP 40353

Population: 22,725 (Census ACS)

The typical home value in ZIP 40353 (Mount Sterling, KY) is $232,156 — up 4.9% over the past year. Homes sell for a median $269,000 after a median 57 days on market. Typical rent runs $1,173/month. 9 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Very Low, with lightning, strong wind, winter weather the top-rated hazards. Cost of living is 9.8% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$232,156

Typical home value

+4.9%

1-year change

57

Median days on market

Very Low

Hazard risk (county)

Home values & appreciation

Typical home value
$232,156
1-year appreciation
+4.9%
3-year appreciation
+16.1%
5-year appreciation
+36.5%
10-year appreciation
+95.0%
Peak value since 2000 (Jul 2026)
$232,306
House Price Index (state)
413.6 (+4.3% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$269,000
Median list price
$285,000
Median price per sqft
$161
1-year sale-price change
+6.8%
Median days on market
57 days
Homes sold (recent period)
62
For-sale inventory
96
Sale-to-list ratio
97.2%
Active listings
74
1-year forecast
+1.2%
Days to pending
60 days
New listings (monthly)
26

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent
$1,173/mo
Studio fair-market rent
$717/mo
1BR fair-market rent
$767/mo
2BR fair-market rent
$1,004/mo
3BR fair-market rent
$1,314/mo
4BR fair-market rent
$1,320/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Below Average)
90.2 (100 = US avg)
Electricity rate (state-level)
13.2¢/kWh
Natural gas rate (state-level)
$14.20/MCF
30-year mortgage rate (national)
7.40%
15-year mortgage rate (national)
6.73%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
9
Elementary schools
4
Middle schools
1
High schools
4
Avg student-teacher ratio
16.6 : 1
School districts serving the area
Kentucky Tech System, Montgomery County
Schools include
Montgomery County Area Technology Center, Camargo Elementary School, Mapleton Elementary School, Montgomery County High School, Mount Sterling Elementary School

Source: NCES school directory, 2024-25 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Very Low
Top hazards (county)
lightning, strong wind, winter weather
Notable hazard ratings (county)
lightning: Relatively Moderate · strong wind: Relatively Moderate · winter weather: Relatively Moderate · hail: Relatively Low · tornado: Relatively Low · cold wave: Relatively Low
Most common flood zone among NFIP claims
Zone A
NFIP flood claims on record
68
Wildfire risk to homes (county)
Higher than 37% of US counties
Buildings in wildfire direct-exposure zone
71.3%
Radon potential (county)
Moderate radon potential — EPA Zone 2 of 3
EPA Superfund (NPL) sites within 5 mi
None
Nearest Superfund site
Maxey Flats Nuclear Disposal (24.7 mi)
Flood zones vary by property. Look up a specific address on the FEMA Flood Map Service Center.
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA NFIP flood-insurance claims (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
54.0°F
Average high
66.0°F
Average low
42.0°F
Annual precipitation
48.5 in
Annual snowfall
8.8 in
USDA plant hardiness zone
6b (extreme annual low -5 to 0°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Walkability & transit

Walkability index
8.3 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
11,875
Jobs reachable by transit (45 min)
10,622

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
1
Nearest national park
Camp Nelson National Monument (40 mi)
Airports within 30 mi
23
Nearest airport
Mount Sterling Montgomery County Airport (2 mi)
Nearest major airport
Central Kentucky Regional Airport (37 mi)
Hospitals in or near this ZIP
1
Hospitals include
SAINT JOSEPH MOUNT STERLING
Avg hospital rating (CMS)
4.0 / 5
Best hospital rating nearby (CMS)
4.0 / 5
Solar radiation rating
Fair (4.1 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data (same ZIP, else within ~40 mi) · DOE/NREL (proximity-based)

Migration

Net migration (county)
+116 tax filers

Source: IRS SOI county-to-county migration (county-level; published with a multi-year lag)

Housing stock

Median year housing built
1984
Housing built before 1970
28.0%
Housing built 2000 or later
29.6%
Median annual property tax
$1,391
Mean commute to work
23 min
Households with broadband internet
64.9%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
8,882
Average weekly wage
$979
Top industries (by employment)
Accommodation & Food, Administrative Services, Finance & Insurance
Annual residential building permits (county)
53

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 40353State medianUS median
Typical home value$232,156$169,240$288,527
Median sale price$269,000$234,500$325,000
Median days on market57 days57 days51 days
Typical rent$1,173/mo$1,376/mo$1,809/mo
Median annual property tax$1,391$921$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the typical home value in ZIP 40353?
$232,156.
What is the median sale price in ZIP 40353?
$269,000.
How long do homes take to sell in ZIP 40353?
Median days on market: 57 days.
What is typical rent in ZIP 40353?
Typical rent: $1,173/month.
What is the natural-hazard risk in ZIP 40353?
Overall risk: Very Low (FEMA NRI, county-level). Top hazards: lightning, strong wind, winter weather.
Is ZIP 40353 in a flood zone?
Flood zones vary by property within ZIP 40353. 68 FEMA flood-insurance (NFIP) claims are on record; the most common zone among them is A. Check a specific address on the FEMA Flood Map Service Center.
What is the wildfire risk in ZIP 40353?
Risk to homes is higher than 37% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 40353?
Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 40353?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 40353?
9 schools (4 elementary, 1 middle, 4 high) (NCES, 2024-25).
Is ZIP 40353 walkable?
Walkability index: 8.3/20 (EPA Smart Location Database).
What is the cost of living in ZIP 40353?
Regional Price Parity: 90.2 (100 = US average) (Below Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Oct 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents