Hartford, KY vs Mount Sterling, KY

Hartford is moderately more affordable than Mount Sterling, with a 9.9% lower cost of living index. Hartford scores 58 compared to 64 for Mount Sterling, where the US average is 100. This difference means residents of Mount Sterling can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in Hartford is $587/month compared to $564/month in Mount Sterling — a 4% difference. Interestingly, home values tell a different story: while Mount Sterling has cheaper rent, Hartford actually has lower median home values ($103,800 vs $178,200).

Median household income in Hartford is $61,313 compared to $50,843 in Mount Sterling (+20.6%). Hartford offers a double advantage: higher earnings combined with a lower cost of living, giving residents significantly more purchasing power. Looking at affordability, residents of Hartford spend roughly 11.5% of their income on rent, less than the 13.3% in Mount Sterling.