Jewelry tarnish is caused when the surface of the metal comes into contact with body oils, makeup, sulfur, sweat, perfumes, deodorants, lotions, and other external substances. Tarnish varies from looking slightly dull to totally black, depending on the metal and how you wear and care for your jewelry.

The answer is - Yes, it can.
Sterling silver is made up of 92.5% silver and 7.5% of other metals that form an alloy.  Some of those other metals, primarily copper, can cause sterling silver to tarnish over time when they interact with moisture that's in the air.

There is also a variety of things you can do to limit the amount of tarnishing that will take place when you wear sterling silver jewelry. I will list some tips below.

Overall, .925 sterling silver jewelry can be a long-lasting and durable choice for those looking for high-quality and affordable jewelry. With proper care and maintenance, it can last for many years or even generations.

If you store your silver properly, it will take many, many years for you to see any signs of tarnish; if it even tarnishes at all. Several factors play a part in answering this question, including how it's cared for, & the type of jewelry. It can take anywhere between 2 months and 3 years for sterling silver rings, necklaces, and bracelets to tarnish depending on various factors.