ZIP Code 42647 — Stearns CDP, KY Demographics & Data

ZIP code 42647 covers Stearns, KY in McCreary County with a population of about 3,743.

At a glance, the area shows median age of 38.3 (near the U.S. median).

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

Median household income in ZIP 42647 is about $35,179 — about 53% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 44.2%; unemployment rate near 4.0%; 14.4% of adults with a bachelor’s degree or higher (about 19.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Education, and Healthcare; about 9.5% of workers reporting work-from-home (about 5.7 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 $66,300 — about 81% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $437 (about 62% below the U.S. median rent ($1,163)), and owner-occupancy near 79.7% (about 14.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 42647 in Stearns, KY, a household would need roughly $18,000 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 $426. That sits below the local median household income ($35,179), 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 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 140 for ZIP 42647 (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.