Mount Sterling, KY population, income and ZIP codes

Mount Sterling city is a mid-size town in Kentucky, with 7,549 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #61 of 554 ranked by population — larger than 89% of them. The median age here is 39.1 years against 39.1 nationally, a slightly younger profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in Mount Sterling city earn a median of $50,843 a year, 35.3% below the national figure of $78,538 and 8% below the $55,469 median for the 246 Kentucky cities we cover. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 19.9% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in Mount Sterling city is valued at $178,200, 41.3% below the national figure and 13% above the $157,200 peer median, while median gross rent runs $564 a month, 59.9% below the national figure, or roughly $6,768 across a full year. A household on the local median income would put about 13.3% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 3.5×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 50.8% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.