Affordable Homes in Montgomery County, KY: A Smart Investment

Montgomery County, KY, offers an affordable housing market where home prices are significantly lower than the national average. Whether you are looking for a place to call home, or a smart real estate investment, this community provides an excellent opportunity to buy property at a great value.

Even with its affordability, Montgomery County's housing market has shown appreciation, making it an attractive choice for buyers who want both cost savings and long-term potential. Homeownership here costs less than nearby communities and is perfect for families, first-time buyers, and investors.

Montgomery County is an excellent choice if you're considering a move or an investment in a high-value, low-cost market. 

Explore the possibilities today!

Montgomery County, KY

Welcome to Mt. Sterling-Montgomery County, KY

Mt. Sterling-Montgomery County blends small-community charm with economic opportunity in the Bluegrass State. Rich in history, the city's downtown features beautifully preserved architecture, a historic courthouse, and a dynamic community hub. Surrounded by rolling hills and lush landscapes, residents enjoy year-round outdoor activities, from hiking and horseback riding, to scenic seasonal views.

The county offers a picturesque setting for those seeking a welcoming and active lifestyle. Beyond its natural beauty and historic roots, Mt. Sterling boasts a diverse economy driven by agriculture, manufacturing, and retail. While farming remains a cornerstone, the automotive, food processing, and distribution industries have expanded job opportunities and economic stability.

Its strategic location near major highways supports business growth, while maintaining the town's close-knit community feel. Whether you're looking to relocate, start a business, or visit. Mt. Sterling-Montgomery County perfectly balances tradition, progress, and quality of life.

Explore Our Community

$75,734
Average Household Income
$59,041
Average Disposable Income
12,541
Housing Units
$226,436
Average Home Value

Housing and Income

The average household income in Montgomery County, KY is $75,734 and projected to be $82,348 in 2031. Per capita income is $30,539, projected to be $33,488 in 2031. 1.09% of households – 314 – have an income of $200,000 or higher. Average net worth is $481,736 and the average disposable income is $59,041.

There are 12,541 housing units in Montgomery County, KY; 7,657 are owner-occupied, 3,888 are rented, and 996 are vacant. The average home value is $226,436, with 966 homes built in 2010 or later, and 1,146 built in 1939 or earlier.

Source: ESRI, 2026-08-31