Montgomery County
KY · Pop. 28,271 · Mixed County
Montgomery County sits in Kentucky across 197 square miles, home to 28,271 people at 143.5 per square mile. The agricultural economy is rated moderate, built on hay, haylage, corn. The median home price is $164,000, with an effective property tax rate of 0.75%. The climate sits in USDA hardiness zone 6b with a 173-day growing season, average summer highs of 84.5°F and average winter lows of 22.7°F. Annual rainfall averages 45.5 inches, generally adequate for the region's crops and pasture. CHI Saint Joseph Mount Sterling is 3.2 miles away and includes an emergency room. Broadband reaches 86.9% of homes. On the hazard side, flood risk is high, tornado risk is high, so plan infrastructure and insurance accordingly.
Pros
- A low effective property tax rate of 0.75% holds annual carrying costs down.
- A median home price of $164,000 makes land and property relatively affordable.
- CHI Saint Joseph Mount Sterling, with an emergency room, is just 3.2 miles away — strong local healthcare access.
- Annual rainfall of 45.5 inches supports rain-fed gardens and pasture in most years.
Cons
- Flood risk is high, so low-lying parcels deserve careful evaluation before purchase.
At a glance
Montgomery County, KY is a strong overall fit for homesteading.
- Homestead score
- 71/100
- Median home price
- $164k
- Property tax
- 0.75%
- Growing season
- 173 days (zone 6b)
- Annual rainfall
- 45.5"
- Broadband
- 86.9%
- Nearest hospital
- CHI Saint Joseph Mount Sterling, 3.2 mi
Taxes & Cost of Living
Land & Building
Climate & Growing
Natural Disaster Risk
Healthcare
Infrastructure & Community
Business & Employment
Homesteading in Montgomery County: FAQ
- What is the growing season like in Montgomery County?
- Montgomery County is in USDA hardiness zone 6b with a 173-day growing season, average summer highs of 84.5°F, and average winter lows of 22.7°F. The established crops are hay, haylage, corn.
- How affordable is land and property here?
- The median home price is $164,000 and the effective property tax rate is 0.75%. Per-acre raw-land prices vary widely by parcel here, so check active listings for current rates.
- Is broadband internet available?
- Broadband reaches 86.9% of homes, so verify service at a specific parcel before purchasing.
- How close is healthcare?
- CHI Saint Joseph Mount Sterling is 3.2 miles away and includes an emergency room; there is 1 hospital in the county.
Explore Kentucky Resources
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LandWatch
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Lands of America
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AcreTrader
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More counties in Kentucky
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The closest counties to Montgomery County by distance, including across state lines.
Data sources
Verified
Figures are sourced from public datasets: U.S. Census Bureau — ACS 5-year & Gazetteer, USDA NASS Census of Agriculture, USDA Plant Hardiness Zone Map, NOAA NCEI U.S. Climate Normals (1991–2020), FEMA National Risk Index, FCC Broadband Data Collection, BLS Local Area Unemployment Statistics, HIFLD Hospitals. Always confirm specifics locally before relying on them. See our methodology for how the homestead score is calculated.
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