Mount Sterling, KY vs St. Matthews, KY

The cost of living difference between Mount Sterling, KY and St. Matthews, KY is dramatic. Mount Sterling is 34.1% cheaper than St. Matthews, a gap that translates to thousands of dollars per year in household expenses. Mount Sterling has a cost index of 64 while St. Matthews sits at 97, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

On the housing front, median rent in Mount Sterling is $564/month compared to $1,253/month in St. Matthews — a 55% difference. Home values follow the same pattern: Mount Sterling is more affordable at $178,200 median vs $325,700.

Median household income in Mount Sterling is $50,843 compared to $80,716 in St. Matthews (-37%). While St. Matthews is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Mount Sterling spend roughly 13.3% of their income on rent, less than the 18.6% in St. Matthews.