The story of this market
The typical home in Montgomery County, Kentucky sells for about $249,000, or $151 per square foot.
Prices are up +9.2% from a year ago, so sellers still have some momentum. Homes take about 88 days to sell, which is slow. Over the long run, values in this county have grown 99% since 2000. Last year 1 of 7 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is strong wind, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $1,004 a month.
HUD sets the fair market rent for a 2-bedroom at $1,004 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Moderate.
Price climate
Every year of price change, 2000–2025
0%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+19.2%). Worst: 2011 (-5.1%). Hover to read a year.
Monthly price momentum
Home values since 2015
+4.3%
KY · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,314
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
0%
2025 change
FHFA repeat-sales index, median of 7 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
59
Relatively Moderate
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $10,295,828.
Mortgage activity
Home lending in this county
74.5%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 1116 | 570 | 74.5% | 9.9% | $135,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Montgomery County, Kentucky
Montgomery County is experiencing a period of price appreciation with a 9.2% year-over-year increase in median sale prices. Despite a reduction in closed sales volume, the market remains competitive with rising values, reflecting broader regional trends in Kentucky.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: median price corroborated by the published ten-year series (2025) (within 12.5%).
Select a city to expand its ZIP intel reports beneath · 1 city · 1 ZIP report
Median prices moved up 2.5% year over year.
Homes spend a median of 45 days on market with 4.2 months of supply — a fast-moving market.
12% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.0% — a stable, low-distress profile.
Deterministic aggregate of 1 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Montgomery County, Kentucky — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.9%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 17
| 40353 | Mount Sterling | $230,000 | $183 | +2.5% | 45 | 98.5% | 12% | 4.2 | 106 | $836 | researched Sep 17 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Kentucky) — Kentucky Ad Valorem Property Tax: Property is assessed at its fair cash value (price at a fair voluntary sale). The tax is calculated by applying local and state tax rates to the assessed value.
- Activate Games4.929 mi
- Monkey Joe's4.228.6 mi
- Countdown Games4.928.7 mi
- Gibson Bay Golf Course4.428.7 mi
- Whitaker Family YMCA4.629.1 mi
- Blue Licks Battlefield State Resort Park4.528.3 mi
- Golden Corral Buffet & Grill4.217.9 mi
- Thatcher Barbecue Company4.619.8 mi
- Mustard Seed Hill4.723.4 mi
- Kentucky Reptile Zoo4.719.3 mi
- Thrillsville Adventure Golf4.619.6 mi
- Middle Springs Farm4.914.1 mi
- Tenth Frame Cinema4.42.8 mi
- Judy Drive In4.67.7 mi
- Fort Boonesborough State Park4.522.5 mi
- Sky Bridge Arch4.922.4 mi
- Blue Licks Battlefield State Resort Park4.528.3 mi
- Wendt's Wildlife Adventure4.822.8 mi
- White Hall Historic Site4.728.7 mi
- Auxier Ridge Trailhead4.918.5 mi
- Grays Arch Recreation Area4.920 mi
- Legacy Grove Park4.716.8 mi
- Stanton City Park4.612.6 mi
- College Park4.516.4 mi
- Scott Creek Marina4.621.2 mi
- Southwind Golf Course4.317.6 mi
- Irish Hills Restaurant and Events4.51.7 mi
- Rural King4.417.8 mi
- Winchester Peddlers Mall4.317.7 mi
- JCPenney4.24.7 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
Data retrieved from Census Reporter and Data USA profiles.
Property is assessed at its fair cash value (price at a fair voluntary sale). The tax is calculated by applying local and state tax rates to the assessed value. A homestead exemption is available for owners aged 65 or older or those who are totally disabled, which exempts a portion of the assessed value from taxation (the specific exemption amount is adjusted biennially based on the cost of living index).
Kentucky Constitution Section 170, 172; KRS 132.190
Kentucky is a judicial foreclosure state, requiring a court action to enforce a mortgage or lien. The process involves a court-ordered sale, typically conducted by the master commissioner.
KRS Chapter 426
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.