ZIP Code 42638 — Stearns CDP, KY Demographics & Data

ZIP code 42638 covers Stearns, KY in McCreary County with a population of about 300.

At a glance, the area shows median age of 57.3 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.

Stearns, KY fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

On socioeconomic markers, US5 shows a poverty rate of 36.5%.

Median home value is about $36,000 — about 90% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 42638 in Stearns, KY, a household would need roughly $10,000 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 $231. 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 Stearns 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 Stearns 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 11 for ZIP 42638 (Stearns 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.