Rental numbers for the Mount Sterling, KY metro
The typical home here runs -$422 a month at 7.78% with 25% down, breaking even at about 3.1%. 0 of 1 ZIP codes with full Zillow data in this metro are cash-flow positive; the median gross yield is 6.1%.
- Gross yield
- 7.2%
- typical home, Zillow
- Median ZIP yield
- 6.1%
- 1 ZIPs with full data
- Cash flow
- -$422/mo
- at 7.78%, 25% down
- Typical price
- $195,000
- Zillow ZHVI, Aug 2026
- Typical rent
- $1,173/mo
- Zillow ZORI, Aug 2026
ZIP codes in the metro
9 with published figures
| 40387Wellington | $126,000 | $870* | 8.3% | 4.3% | -$231 | n/a |
| 40322Frenchburg | $132,000 | $870* | 7.9% | 4.1% | -$266 | n/a |
| 40346Means | $150,000 | $900* | 7.2% | 3.6% | -$364 | n/a |
| 40371Salt Lick | $169,000 | $950* | 6.7% | 3.2% | -$463 | n/a |
| 40374Sharpsburg | $190,000 | $1,050* | 6.6% | 3.3% | -$497 | n/a |
| 40353Mount Sterling | $232,000 | $1,173 | 6.1% | 2.8% | -$718 | n/a |
| 40360Owingsville | $188,000 | $870* | 5.6% | 2.2% | -$662 | n/a |
| 40358Olympia | $207,000 | $920* | 5.3% | 2.4% | -$708 | n/a |
| 40337Jeffersonville | $209,000 | $880* | 5.1% | 2.0% | -$776 | n/a |
* HUD Fair Market Rent, 2 bedroom, where Zillow publishes no rent index. Conservative.
Trends
Five years to August 2026
- Price, 12 months
- -1.4%
- Rent, 12 months
- n/a
- Rent minus price growth
- n/a
- Property tax
- 0.52%
- effective rate, ACS 2024
Show the numbers
| Month | Typical value | Rent |
|---|---|---|
| Aug 2021 | $160,298 | n/a |
| Aug 2022 | $180,831 | n/a |
| Aug 2023 | $185,578 | n/a |
| Aug 2024 | $190,366 | n/a |
| Aug 2025 | $197,279 | n/a |
| Aug 2026 | $194,557 | $1,173 |
Counties
- Menifee County, KYn/a median yield
- Montgomery County, KY6.1% median yield
- Bath County, KYn/a median yield
Tools
Test a listing in the Mount Sterling, KY area against today's rate.
Open the calculatorQuestions
- Is the Mount Sterling, KY metro good for rental property?
- The typical home here runs -$422 a month at 7.78% with 25% down, breaking even at about 3.1%. 0 of 1 ZIP codes with full Zillow data in this metro are cash-flow positive; the median gross yield is 6.1%. Figures assume a typical home, 7.78% with 25% down and the default costs on the methodology page.
- Which ZIP codes in the Mount Sterling, KY metro have the highest rental yield?
- 40353 (Mount Sterling) at 6.1%, on Zillow value and rent. The full table above sorts by any column.
Sources and method
- Zillow Home Value Index (ZHVI), mid tier, smoothed and seasonally adjusted
Zillow Research. Read: 2026-08.
Typical home value by ZIP, county, metro and state, and the price trend.
- Zillow Observed Rent Index (ZORI), all homes plus multifamily, smoothed
Zillow Research. Read: 2026-08.
Typical market rent by ZIP, county and metro, and the rent trend (tier A pages).
- HUD Small Area Fair Market Rents, FY2026
US Department of Housing and Urban Development. Read: FY2026.
Rent by bedroom count for every ZIP. The rent used on tier B pages, and a reference on all pages. It is the 40th percentile gross rent, so it runs below market.
- American Community Survey 5-year estimates, 2020 to 2024 (B25103 median real estate taxes paid, B25077 median home value, B11001 households)
US Census Bureau. Read: 2020 to 2024.
Effective property tax rate (median taxes paid divided by median value) by ZIP code tabulation area, county and state; households for the permits ratio.
- Freddie Mac Primary Mortgage Market Survey, 30-year fixed (FRED series MORTGAGE30US)
Freddie Mac via the Federal Reserve Bank of St. Louis. Read: 2026-09-24.
The weekly 30-year rate. The site adds a disclosed investor premium to it for the loan payment.
Data: Zillow Research (ZHVI, ZORI), HUD, US Census Bureau, Freddie Mac. Every formula is on the methodology page.
Estimates from public data for a typical property. Not investment, tax or legal advice. Your property, financing and costs will differ.