HomeKentuckyMontgomery CountyMount Sterling
Mount Sterling, Kentucky: commercial real estate data.
Mount Sterling is a Census city of 7,551 people across 4.49 square miles of land, in Montgomery County. Median household income is $55,827, 52.1 percent of occupied homes are owned, and the SBA record carries 11 7(a) approvals to borrowers here worth $1.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Mount Sterling
What Mount Sterling is
- Census place typecity
- Land area4.49 sq mi
- Water area0.02 sq mi
- Population per square mile of land1,680
- County holding the largest share of its areaMontgomery County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mount Sterling
How many people live in Mount Sterling
- Population7,551
- Median age37.8
- Population under 181,668
- Share under 1822.1 percent
- Population 65 and over1,107 plus or minus 228
- Share 65 and over14.7 percent plus or minus 3.0
- Households3,071
- Family households1,881
- Share of households that are families61.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mount Sterling
Income and work in Mount Sterling
- Median household income$55,827
- Per capita income$27,422
- Civilian labor force3,760
- Employed3,621
- Unemployed139 plus or minus 96
- Unemployment rate3.7 percent plus or minus 2.5
- Adults 25 and over5,212
- Adults 25 and over with a high school diploma or higher88.9 percent
- Adults 25 and over with a bachelor degree or higher23.6 percent
- Adults 25 and over with a graduate degree9.0 percent plus or minus 2.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mount Sterling
Housing in Mount Sterling
- Housing units3,507
- Occupied units3,071
- Vacant units436 plus or minus 161
- Vacancy rate12.4 percent plus or minus 4.5
- Owner occupied1,599
- Renter occupied1,472 plus or minus 310
- Ownership rate52.1 percent
- Median owner-occupied home value$187,600
- Median gross rent, monthly$699
- Annual rent as a share of median income15.0 percent
- Single family units2,491
- Share single family71.0 percent
- Units in buildings of two or more987 plus or minus 282
- Share in buildings of two or more28.1 percent plus or minus 7.8
- Mobile homes29 plus or minus 27
- Median year structure built1975
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mount Sterling
How Mount Sterling gets to work
- Workers 16 and over who commute3,280
- Commuting under 15 minutes1,751 plus or minus 421
- Share commuting under 15 minutes53.4 percent plus or minus 11.6
- Commuting 30 minutes or more1,223 plus or minus 301
- Share commuting 30 minutes or more37.3 percent plus or minus 8.3
- Drove alone84.1 percent
- Carpooled6.9 percent plus or minus 3.4
- Public transport0.0 percent
- Walked1.4 percent plus or minus 1.4
- Worked from home7.5 percent plus or minus 3.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mount Sterling
SBA loans in Mount Sterling (7(a))
- Approvals11
- Gross approval$1,159,200
- Average approval$105,382
- Median approval$90,000
- Largest approval$221,800
- Jobs supported54
- Jobs per approval4.9
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more9.1 percent
- Share to franchises9.1 percent
- Distinct lenders6
- Distinct industries by NAICS8
Counted by borrower city: approvals to borrowers whose address is in Mount Sterling, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Mount Sterling
SBA loans in Mount Sterling (504)
- Approvals16
- Gross approval$15,108,000
- Average approval$944,250
- Median approval$601,500
- Largest approval$3,300,000
- Jobs supported190
- Loans with a final outcome5
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Mount Sterling, in any county, FY2010 to FY2026. Only 5 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Montgomery County, not Mount Sterling
Montgomery County context, not Mount Sterling figures
- Establishments in Montgomery County560
- Covered employment, Montgomery County10,484
- Average annual pay, Montgomery County$49,214
- Housing units permitted, Montgomery County57
Every figure in this section is published for Montgomery County as a whole and is not a measurement of Mount Sterling.
All Montgomery County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Mount Sterling questions, answered from the record.
How many people live in Mount Sterling, Kentucky?
7,551, in 3,071 households. Mount Sterling city covers 4.49 square miles of land, which is 1,680 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Mount Sterling in?
Montgomery County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Mount Sterling?
$55,827. The median owner-occupied home is valued at $187,600. Median gross rent is $699 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Mount Sterling businesses?
11 7(a) approvals totaling $1.2 m since FY2020, across 6 lenders, median approval $90,000, plus 16 504 approvals worth $15.1 m since FY2010. These count approvals to borrowers whose address is in Mount Sterling, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Mount Sterling borrowers get paid back?
No rate is published for Mount Sterling. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Are the county figures on this page Mount Sterling figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Montgomery County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Mount Sterling.
Is zoning published for Mount Sterling?
No. Nothing on this page presents parcel level zoning.
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