Is it a buyer's or a seller's market? Six dials, updated monthly — speed, supply and seller behaviour, not just prices.
Sellers are cutting prices on about 1 in 4 Mount Sterling listings, and the typical home goes pending in 33 days — the market is roughly in balance.
Zillow's own model expects Mount Sterling home values to change +1.0% over the year to Sep 2027. A forecast, not a promise — it is revised every month, and Zillow publishes it with that caveat.
to buy the typical home at today's mortgage rate — +$536 (+111%) since Jan 2020.
- 1 year
- Down $2,802 -1%
- $197,360$194,558 since Sep 2025
- 5 years
- Up $34,067 +21%
- $160,491$194,558 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.
- Mount Sterling$1,021
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 18 years.
Typical home values in Mount Sterling, KY fell 1.4% over the past year — slower than the nation's +1.2%.
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.
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Mount Sterling26.61%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Mount Sterling33
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Mount Sterling244
New listings per month
Sellers arriving at the market.
- Mount Sterling58
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Mount Sterling$219,237
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Mount Sterling94.95%