Camargo, Kentucky.
Typical home $199,800 (+4.3% in a year). Mount Sterling, KY metro.
to buy the typical home at today's mortgage rate — +$607 (+137%) since Jan 2020.
- 1 year
- Up $8,293 +4%
- $191,507$199,800 since Sep 2025
- 5 years
- Up $50,858 +34%
- $148,942$199,800 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Camargo$1,049
- Kentucky$1,212
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in Camargo, KY rose 4.3% over the past year — faster than the nation's +1.2%.
Living in Camargo, Montgomery County, Kentucky
Camargo is a city of 1,020 people in Montgomery County. Unemployment in Montgomery County was 4.4% in August 2026, and the county had 3.5% fewer jobs in 2025 than the year before. The most people in Montgomery County work in manufacturing, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Camargo is a small city in Montgomery County, Kentucky, with a population that keeps to a quiet scale. Homes here cost less than across much of the country, and household incomes across Montgomery County sit modestly below the national picture. Few adults hold a four-year degree, and winters are cold, with some snow, while summers turn warm and rainfall is generous through the year.
Work. Residents work mostly in manufacturing, in schools, hospitals and social care, in shops, and in transport, warehouses and utilities. Across Montgomery County, the largest workplaces include Aisan Industry Kentucky, Montgomery County Schools and Walmart. Job numbers across the county slipped last year, and unemployment there is a little lower than it was a year earlier. Commutes are long, and very few people work from home.
Things to do. For time outdoors, Red River Gorge is a protected area of cliffs and trails, and Natural Bridge State Resort Park is another protected area, both a longer drive away. Cave Run Lake, a reservoir, is also a longer drive away and suits an afternoon by the water.
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- 8%of adults have a degree
- 34 mintypical commute
- 2%work from home
What people in Montgomery County work in
Employed residents by industry, from the Census survey. Montgomery County had 10,114 jobs in 2025, 3.5% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 42° and lows near 22°; warmest in July, with highs near 86° and lows near 63°. About 9 inches of snow and 48 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Mount Sterling weather station, 5 miles away (NOAA).
Largest workplaces in Montgomery County
- Aisan Industry KentuckyFilters automotive, truck, and bus, manufacturing642
- Montgomery County SchoolsSchool district611FTE
- WalmartWarehouse clubs and supercenters341
- Cooper StandardHoses, reinforced, rubber or plastics, manufacturing340
- Saint Joseph Mount SterlingGeneral hospital269FTE
- CommonSpirit HealthGeneral medical and surgical hospitals243
- Summit Polymers Inc. P06Television housings, plastics, manufacturing201
- Kroger Louisville KMASupermarkets and other grocery except convenience stores148
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 25 workplaces with 20 or more staff, 2,942 people in all across the county; Camargo has none of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Strong windRelatively high
- Winter weatherRelatively high
- LightningRelatively high
- Inland floodingRelatively moderate
- HailRelatively moderate
- TornadoesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Camargo’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Montgomery County and the Mount Sterling, KY metro.
Camargo home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Camargo$199,800
- Kentucky$230,909
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Camargo5
Zip codes with a Camargo address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Camargo — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.