| ZIP Code | 42647 |
|---|---|
| City | Stearns |
| State | Kentucky (KY) |
| County | McCreary County |
| Area Code | 606 |
| Elevation | 822 ft |
| Latitude | 36.681253 |
|---|---|
| Longitude | -84.627337 |
| Timezone | New York (DST) |
| FIPS | 21147 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 38.3 yrs ↓ 3% since 2019 |
|---|---|
| Avg Household Size | 2.87 |
| Below Poverty | 43.6% ▲ 336% above avg |
| College Grads | 31.8% ▼ 18% below avg |
| Unemployment | 4.0% ▼ 19% below avg |
| No HS Diploma | 11 (0.5%) |
| HS Graduate | 700 (33.8%) |
| Some College | 362 (17.5%) |
| Associates | 338 (16.3%) |
| Bachelors | 292 (14.1%) |
| Graduate Degree | 365 (17.6%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $35,179 ▼ 54% below avg ↑ 21% since 2019 |
|---|---|
| Median Home Value | $66,300 ▼ 76% below avg ↑ 14% since 2019 |
| Home/Income Ratio | 1.9x (nat avg ~3.5x) |
| Median Rent | $598/mo ↓ 4% since 2019 |
| Total Units | 1,536 |
| Vacant Units | 232 |
| Avg HH Size | 2.87 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 1,536 |
|---|---|
| Vacant | 232 |
| Owner Occupied | 79.7% |
| Renter Occupied | 20.3% |
| Avg HH Size | 2.87 |
ZIP code 42647 is located in Stearns, Kentucky, within McCreary County. With a population of 3,743, this is a sparsely populated ZIP code with a middle-aged community — the median age is 38.3 years. Economically, 42647 is a lower-income ZIP code: the median household income of $35,179 is well below the national average.
Real estate in ZIP code 42647 represents one of the more affordable housing markets in the country. The median home value of $66,300 is well below the national average. Renters can expect to pay around $598 per month in median rent. Homeownership is strong here — 79.7% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 14% since 2019.
The population of 42647 is primarily White (99.12%). Residents are moderately educated — 31.8% hold a bachelor's degree or higher, which is below the national average. Poverty affects a significant share of residents at 43.6%. Household income has grown by 21% since 2019.
The unemployment rate in 42647 stands at 4.0%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 75%.
Overall, ZIP code 42647 in Stearns, KY is characterized as lower-income, moderately educated, a middle-aged community, and predominantly owner-occupied. With 3,743 residents, a median household income of $35,179, and a median home value of $66,300, it offers a clear picture of life in this part of Kentucky.