What is the cost of living in Mount Sterling, KY?
According to the most recent data on the cost of living, Mount Sterling has an overall cost of living index of 90, which is 0.9x lower than the national index of 100.
Compared to Kentucky, Mount Sterling has a cost of living index that's 1.0x higher than Kentucky's index of 89.
The standard of living in Mount Sterling ranks as #33 most affordable out of the 85 places we measured in Kentucky. By definition, that implies Mount Sterling ranks as the #52 most expensive place in the Bluegrass State.
For more reading on life in Mount Sterling, check out:
Mount Sterling Cost Of Living Vs. Kentucky
Six factors go into calculating the cost of living index in Mount Sterling. Here is how it fares on each of the criteria:
The Services index in Mount Sterling is 97.
The Groceries index in Mount Sterling is 96.
The Health index in Mount Sterling is 74.
The Housing index in Mount Sterling is 96.
The Transportation index in Mount Sterling is 95.
The Utilities index in Mount Sterling is 95.
| Living Expense | Mount Sterling | Kentucky | National Average |
|---|---|---|---|
| Overall | 90 | 89 | 100 |
| Services | 97 | 100 | 100 |
| Groceries | 96 | 98 | 100 |
| Health | 74 | 68 | 100 |
| Housing | 96 | 98 | 100 |
| Transportation | 95 | 95 | 100 |
| Utilities | 95 | 96 | 100 |
Mount Sterling Cost Of Living Compared To Kentucky Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Kentucky, check out:
Protect your home budget Compare home warranties in Mount Sterling Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Mount Sterling, KY Housing Cost Breakdown
Housing swings affordability the most between places in Kentucky, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Mount Sterling is $218,630.
The Median Rent in Mount Sterling is $699.
The Median Income in Mount Sterling is $55,827.
The Home Value To Income in Mount Sterling is 3.9x.
The Rent To Monthly Income in Mount Sterling is 0.15x.
| Statistic | Mount Sterling | Kentucky | United States |
|---|---|---|---|
| Median Home Value | $218,630 | $231,894 | $332,700 |
| Median Rent | $699 | $967 | $1,413 |
| Median Income | $55,827 | $63,726 | $80,734 |
| Home Value To Income | 3.9x | 3.6x | 4.1x |
| Rent To Monthly Income | 0.15x | 0.18x | 0.21x |
Mount Sterling, KY Costs By Category
Detailed Mount Sterling Services costs vs. Kentucky
| Item | Mount Sterling | Kentucky |
|---|---|---|
| Shampoo | $1.21 | $1.28 |
| Movie | $13.05 | $12.13 |
| Bowling | $21.91 | $18 |
| Haircut | $26.5 | $24.26 |
| Beauty Salon | $53.07 | $45.56 |
Detailed Mount Sterling Groceries costs vs. Kentucky
| Item | Mount Sterling | Kentucky |
|---|---|---|
| Ground Beef | $6.07 | $5.84 |
| Fried Chicken | $1.4 | $1.57 |
| Milk | $4.72 | $4.67 |
| Potatoes | $5.19 | $4.93 |
| Pizza | $10.35 | $12.09 |
| Beer | $9.84 | $10.41 |
| Toothpaste | $3.5 | $3.7 |
Detailed Mount Sterling Health costs vs. Kentucky
| Item | Mount Sterling | Kentucky |
|---|---|---|
| Optometrist | $87.52 | $125.68 |
| Doctor | $106.15 | $135.78 |
| Dentist | $102.55 | $113.29 |
Detailed Mount Sterling Transportation costs vs. Kentucky
| Item | Mount Sterling | Kentucky |
|---|---|---|
| Gasoline | $3.11 | $3.46 |
| Tire Balancing | $58.38 | $59.92 |
Detailed Mount Sterling Utilities costs vs. Kentucky
| Item | Mount Sterling | Kentucky |
|---|---|---|
| All Electricity | $207.41 | $193.99 |
| Phone | $192.46 | $192.25 |
Mount Sterling SnackAbility
Cost Of Living In Cities Around Mount Sterling
The cost of living varies in the cities and towns around Mount Sterling. Here's a quick look at the cost of living in the most populous nearby places:
Georgetown, KY has a cost of living index of 97, 1.1x Mount Sterling.
Richmond, KY has a cost of living index of 91, 1.0x Mount Sterling.
Nicholasville, KY has a cost of living index of 91, 1.0x Mount Sterling.
| City | Population | Cost Of Living | Vs. Mount Sterling |
|---|---|---|---|
| Georgetown, KY | 39,117 | 97 | 1.1x |
| Richmond, KY | 37,111 | 91 | 1.0x |
| Nicholasville, KY | 32,197 | 91 | 1.0x |
| Winchester, KY | 19,213 | 90 | 1.0x |
| Berea, KY | 15,786 | 92 | 1.0x |
| Versailles, KY | 10,492 | 93 | 1.0x |
| Paris, KY | 10,160 | 89 | 1.0x |
| Maysville, KY | 8,737 | 89 | 1.0x |
| Morehead, KY | 6,870 | 93 | 1.0x |
| Wilmore, KY | 6,057 | 95 | 1.1x |
