42647 ZIP Code — Stearns, KY

Mccreary County, Kentucky

ZIP code 42647 is located in Stearns, Kentucky, within Mccreary County. It covers approximately 138.32 square miles and serves a population of 3,905 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 606.

About ZIP code 42647

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $57,600. Owner-occupancy sits near the national average at 71%.

Median household income is $38,440. Poverty affects 38% of residents, above the national average. SNAP benefit usage at 37% of households reflects economic stress in the area. 43% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 26 minutes is near the national average.

College attainment at 10% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of obesity (45%), diabetes (16%), smoking (34%) compared to national benchmarks.

Overall, ZIP code 42647 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

3,905

population

138.32

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

42647 ZIP code map

Cities in ZIP code 42647

Below are the cities the US Postal Service accepts for ZIP code 42647. Using any city not on this list may result in mail delivery delays.

City	Status
Stearns	Preferred

Nearby ZIP codes

42649 Strunk (8.1 mi) 42653 Whitley City (9.7 mi) 37841 Oneida (13 mi) 42633 Monticello (13.4 mi) 42635 Pine Knot (13.8 mi) 42518 Bronston (14.8 mi) 42634 Parkers Lake (15.2 mi) 37892 Winfield (16.3 mi) 42519 Burnside (17 mi) 37755 Helenwood (19.6 mi)

Demographics updated 05/2026

Population
Total population	3,905
Population density	28 / sq mi
State FIPS	21
County FIPS	147

Geography
Land area	138.32 sq mi
Water area	1.09 sq mi
Latitude	36.6995
Longitude	-84.5985
Timezone	Eastern (ET)
Area code	606

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	63.2%	70.1%	47.9%
$50k – $100k	29.0%	22.3%	30.3%
$100k – $200k	7.8%	6.6%	17.6%
Over $200k	0.0%	1.1%	4.2%

Demographics & statistics

3,905

Population

People per sq mi

38.3

Median age

$38,440

Median household income

$16,586

Per capita income

$57,600

Median home value

$756

Median monthly rent

71.1%

Home ownership

38.2%

Poverty rate

8.7%

Unemployment

1,232

Housing units

9.7%

Bachelor's or higher

Age distribution

Male Female

Under 5

144

5–9

140

171

10–14

165

160

15–19

154

20–24

246

25–34

237

290

35–44

280

239

45–54

231

55–59

111

60–64

107

246

65–74

237

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,064	27.2%
18 and over	2,841	72.8%
65 and over	698	17.9%
Median age	38.3 years

Race & ethnicity

White 97.8%

Two or more races 1.1%

Hispanic or Latino 0.7%

Other race 0.3%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	3,846	97.8%
Two or more races	45	1.1%
Hispanic or Latino	26	0.7%
Other race	10	0.3%
Native Hawaiian / Pacific Islander	4	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	63.2%	70.1%	47.9%
$50k – $100k	29.0%	22.3%	30.3%
$100k – $200k	7.8%	6.6%	17.6%
Over $200k	0.0%	1.1%	4.2%

Under $10k 13.9%

$10k–$15k 7.6%

$15k–$25k 15.1%

$25k–$35k 9.6%

$35k–$50k 16.4%

$50k–$75k 29.0%

$75k–$100k 2.1%

$100k–$150k 3.0%

$150k–$200k 2.9%

$200k+ 0.3%

Range	% of households
Under $10k	13.9%
$10k–$15k	7.6%
$15k–$25k	15.1%
$25k–$35k	9.6%
$35k–$50k	16.4%
$50k–$75k	29.0%
$75k–$100k	2.1%
$100k–$150k	3.0%
$150k–$200k	2.9%
$200k+	0.3%
Median income	$38,440

Housing

Home values

Under $50k 43.6%

$50k–$100k 25.0%

$100k–$150k 11.0%

$150k–$200k 12.7%

$200k–$300k 3.2%

$300k–$500k 2.1%

$500k–$1M 1.6%

$1M+ 0.8%

Housing overview

Metric	Value
Median home value	$57,600
Median rent / month	$756
Owner occupied	71.1%
Renter occupied	28.9%
Vacant	21.0%
Single-family detached	65.5%
Large apartment buildings	1.1%
Mobile homes	30.8%
Median rooms	5.5
Avg household size (owned)	3.20

Year built

Era	%
2020 or later	0.2%
2010–2019	4.8%
2000–2009	10.1%
1990–1999	19.7%
1980–1989	9.6%
1970–1979	23.5%
1960–1969	13.7%
1950–1959	6.4%
1940–1949	3.3%
1939 or earlier	8.6%

Bedrooms

Size	% of units
No bedroom (studio)	1.9%
1 bedroom	3.6%
2 bedrooms	28.9%
3 bedrooms	52.5%
4 bedrooms	7.8%
5+ bedrooms	5.3%

Vehicles per household

Vehicles	% of households
No vehicle	4.2%
1 vehicle	26.2%
2 vehicles	44.8%
3 or more	24.8%

Heating fuel

Fuel type	%
Utility gas	1.0%
Electricity	74.6%
Propane / LP gas	8.0%
Fuel oil	5.4%
Wood	10.0%
No fuel used	1.1%

Households & families

Household type	Count	%
Married-couple family	733	58.1%
Cohabiting couple	115	9.1%
Male householder, no spouse	254	20.1%
Female householder, no spouse	160	12.7%
Households with children under 18	434	34.4%
Households with seniors (65+)	404	32.0%
Average household size	3.09

Marital status

Status	Male	Female
Never married	22.0%	25.7%
Married	57.3%	51.0%
Separated	1.8%	3.9%
Widowed	8.8%	4.0%
Divorced	10.1%	15.4%

Education

Less than 9th grade 10.5%

Some HS, no diploma 8.9%

HS graduate 45.5%

Some college, no degree 16.2%

Associate's degree 9.1%

Bachelor's degree 7.5%

Graduate / professional 2.2%

Metric	%
HS diploma or higher	80.5%
Bachelor's or higher	9.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	9	0.9%
Elementary school	485	48.0%
High school	339	33.5%
College / grad school	178	17.6%

Employment

Industry of employment

Education & healthcare 33.7%

Manufacturing 24.6%

Construction 15.4%

Retail trade 7.6%

Transportation & utilities 6.3%

Information 2.3%

Arts, food & hospitality 2.2%

Finance & real estate 2.1%

Other services 1.9%

Professional & management 1.8%

Agriculture & mining 1.2%

Public administration 1.0%

Occupation

Category	%
Management, business & arts	29.7%
Service	17.7%
Sales & office	18.9%
Natural resources & construction	17.2%
Production & transportation	16.5%

Employment type

Type	%
Private sector	62.8%
Government	19.8%
Self-employed	16.1%
Unpaid family workers	1.3%

Commute

Method	%
Drive alone	66.6%
Carpool	22.8%
Public transit	0.0%
Walk	0.0%
Work from home	8.9%
Other means	1.7%
Avg commute (minutes)	25.6

Poverty

All people 38.2%

Under 18 years 42.0%

18 and over 36.9%

Married-couple families 33.4%

Female-led households 11.0%

Income support

Source	% of households
Social Security	43.4%
Retirement income	12.9%
Supplemental Security	17.7%
Cash public assistance	0.6%
Food stamps / SNAP	37.3%

Health indicators

Condition	%
Obesity	45.2%
High blood pressure	48.7%
High cholesterol	41.1%
Diabetes	16.2%
Heart disease	10.6%
Stroke	5.3%
Asthma	13.2%
Arthritis	37.6%
Kidney disease	4.4%
Pulmonary disease	17.1%
Cancer	6.9%

Behavior / access	%
Smoking	34.1%
Binge drinking	13.7%
No physical activity	41.5%
Less than 7 hrs sleep	41.6%
Depression	29.4%
Fair or poor health	31.5%
Poor mental health	21.5%
Poor physical health	20.8%
No health insurance	13.9%
Visited doctor (checkup)	77.8%
Visited dentist	41.4%
Cholesterol screening	87.1%
Teeth loss	30.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	200	7.0%

Disability	%
Any disability	18.5%
Under 18	4.9%
18–64 years	24.1%
65 and over	21.9%

Health insurance coverage

Type	%
Private insurance	30.5%
Public insurance	76.3%
No insurance	4.8%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,723	95.3%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,905	100.0%
Born in same state	3,905	100.0%
Born in different state	2,800	71.7%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	430	11%
Arab	419	10.7%
French	205	5.2%

Ancestry	Count	%
Polish	71	1.8%
Dutch	4	0.1%

Technology access

Metric	% of households
Computer access	32.3%
Internet access	79.6%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 42647

What city is ZIP code 42647 in?

ZIP code 42647 is primarily assigned to Stearns, Kentucky.

What county is ZIP code 42647 in?

ZIP code 42647 falls within Mccreary County, Kentucky.

What is the poverty rate in ZIP code 42647?

38% of residents in ZIP code 42647 live below the poverty line, above the national average.

How educated is the population of ZIP code 42647?

10% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 42647 have a large retiree population?

43% of households in ZIP code 42647 receive Social Security income, suggesting a significant retiree or disability population.

What are the health statistics for ZIP code 42647?

Health data for ZIP code 42647 shows elevated rates of obesity (45%) and diabetes (16%) and smoking (34%) compared to national benchmarks.

What timezone is ZIP code 42647 in?

ZIP code 42647 observes the EST timezone.