ZIP Code 42635 — Pine Knot CDP, KY Demographics & Data

ZIP code 42635 covers Pine Knot, KY in McCreary County with a population of about 4,789.

At a glance, the area shows median age of 44.6 versus a U.S. median of about 38.9.

It sits in telephone area code 606; U.S. House district KY-5; the KNOXVILLE media market.

Median household income in ZIP 42635 is about $36,506 — about 51% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 37.5%; unemployment rate near 2.4%; 6.5% of adults with a bachelor’s degree or higher (about 27.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; about 7.3% of workers reporting work-from-home (about 7.9 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $102,300 — about 71% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $292 (about 75% below the U.S. median rent ($1,163)), and owner-occupancy near 60.1% (about 5.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 42635 in Pine Knot, KY, a household would need roughly $28,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $657. That sits below the local median household income ($36,506), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Pine Knot CDP, KY as Very Low (composite score 25.3), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (74.2) and hurricane (48.5). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Pine Knot CDP, KY show little to no average snow and around 56.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 179 for ZIP 42635 (Pine Knot CDP, KY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.