Real Estate Investing in Stearns, Kentucky

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

2 ZIP codes • Population: 7,654 • McCreary County

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Should you buy in Stearns, KY? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (75/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (57/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
3 flags
  • High vacancy: 26.7% of homes vacant — above national norms.
  • 1-year downturn: Values declined 5.3% in the last year.
  • Elevated poverty: 27.0% poverty rate — can affect rent collection.

What’s happening in Stearns, KY?

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3.0/ 5

Investability

Citywide average

3.0/ 5

Appreciation

5.5% 5yr CAGR

5.0/ 5

Landlord Climate

Regulatory friendliness

🏦 30-yr Fixed Rate: 6.95% as of Sep 17 Source: Freddie Mac PMMS
Avg Investability
Avg Home Value $98,599
Avg Monthly Rent $869
ZIP Codes 2

Investing in Stearns Real Estate

Stearns (Kentucky) spans 2 ZIPs and roughly a sizable population. firmly the fundamentals here skew distressed, with soft rents, soft appreciation, and structural headwinds worth respecting.

Across Stearns's 2 ZIPs, fundamentals run lackluster: thin appreciation, soft rents, and demographic trends that don't obviously reverse in the medium term.

The $869/mo / $99K relationship in Stearns looks thin once vacancy and capex are incorporated into underwriting. leans the realized yield tends to disappoint.

Population dynamics in Stearns haven't been supportive. less favorable for combined with soft income growth, the demographic backdrop complicates any purely financial underwriting.

A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

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Avg Home Value
$98,599
Avg Monthly Rent
$869
1% Rule
✗ Below
Landlord Friendly (KY)

ZIP Codes in Stearns, KY

Screen every ZIP in Stearns

Filter Stearns’s ZIPs by cap rate, vacancy, appreciation and 30+ more criteria, and export your shortlist to CSV — with the Investor plan ($19/mo).

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Frequently Asked Questions About Stearns, KY

How quickly do rentals get leased in Stearns, KY?

Vacancy in Stearns, KY is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $869/mo.

Are landlord laws favorable in Stearns, KY?

For rental operators, Stearns, KY rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.

How much does a house cost in Stearns, KY?

Median home price in Stearns, KY is near $99K, with a 5-year CAGR of 0.0%. Prices have been measured and supportive of buy-and-hold strategies.

Is Stearns, KY suited for a house hack?

House hacking in Stearns, KY is reasonable to execute. Prices around $99K and rents of $869/mo solid owner-occupant economics.

What kind of tenants rent in Stearns, KY?

Tenant demand in Stearns, KY is solid. The local workforce $869/mo rents across most rental classes.

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