Stearns, KY housing market
The typical Stearns home is worth about $108,000, down 10.8% in a year, 54% below the Kentucky typical home.
Home values, sales, trends and how Stearns compares with the towns next door — updated as new data is published.
Stearns at a glance
Typical home value, 2016–2026
Show as a table
| January | Stearns | Kentucky |
|---|---|---|
| 2017 | $70,000 | $131,000 |
| 2018 | $72,000 | $138,000 |
| 2019 | $63,000 | $146,000 |
| 2020 | $65,000 | $155,000 |
| 2021 | $79,000 | $173,000 |
| 2022 | $91,000 | $191,000 |
| 2023 | $112,000 | $207,000 |
| 2024 | $106,000 | $216,000 |
| 2025 | $119,000 | $229,000 |
| 2026 | $111,000 | $233,000 |
| August 2026 | $108,000 | $233,000 |
Stearns and its neighbors
| Town | Typical value | 1-yr change | 2-bed rent | Median income |
|---|---|---|---|---|
| Stearns | $108K | −10.8% | $960 | $55,931 |
| Pine Knot | $117K | −6.8% | $880 | — |
1.9 years of income
The typical Stearns home costs about 1.9 years of the town's median household income, less than across Kentucky (3.7 years).
Home value ÷ ACS median household income.
Owners, rent & taxes
U.S. Census Bureau, ACS 2020-2024.
A two-bedroom rents for about $960
HUD's Fair Market Rent for a two-bedroom in Stearns is $960 a month, utilities included: roughly what a modest, recently rented unit costs. A two-bedroom takes about 21% of the town's median household income.
Studio $690 · 4 bedrooms $1,350
U.S. Department of Housing and Urban Development, FY2026 Fair Market Rents by ZIP code (42647, 42649; McCreary County, KY), weighted by land area. A Fair Market Rent is the 40th-percentile rent plus utilities for a standard unit. Median rent: U.S. Census Bureau, American Community Survey.
Recent listings in Stearns
Home values: Zillow Home Value Index (ZHVI), Zillow Research, August 2026. Sales, days on market and supply: Redfin Data Center. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. Listings link to their publishers.