PlainZIP

Pine Knot, KY · standard

ZIP Code 42635

McCreary County, Kentucky - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

5,103
84/sq mi
$24,412
Median income
$91,300
Median home value
4.1%
Bachelor's or higher

The verdict

Pine Knot pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a rural, mixed-tenure area.

1th pct
household income, US ZIPs
7th pct
home value, US ZIPs
84
people per sq mi
57%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 42635 against every reporting US ZIP.

ZIP code 42635 is a mid-sized community (a standard USPS delivery area) in Pine Knot, McCreary County, Kentucky, home to 5,103 residents across 60.6 square miles, a density of 84 people per square mile, in the New York time zone.

ZIP 42635 sits on the lower end of the income spectrum: median household income is $24,412 (59% below the Kentucky average), while per-capita income is $14,725. The poverty rate stands at 42.3% and the unemployment rate at 7.5%. Median home value sits at $91,300 (43% below the state average), median rent at $475 a month, and owner-occupancy at 57.0%.

Formal educational attainment runs low here: just 4.1% of adults hold a bachelor's degree or higher, the median age is 44.4, and the average commute is -. We also surface 5 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing McCreary County, so you can benchmark 42635 against its immediate geography rather than a national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 42635, Pine Knot, KY · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

5,103

Population

60.6

Area (sq mi)

84

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 42635?

44.4

Median Age

63.9%

Male

36.1%

Female

1.9%

Foreign-Born

White 74.3%
African American 21.0%
Asian 0.0%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.1%
Hispanic or Latino 6.4%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$24,412

Median Household Income

-59% vs state

$14,725

Per Capita Income

42.3%

Poverty Rate

7.5%

Unemployment Rate

How ZIP 42635 ranks nationally

Pine Knot, KY household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$24,412 1st percentile higher than 1% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). This entry sits in this band. $40,000–$60,000: 7,092 US ZIPs (23%). Above this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 45.1%
Bachelor's Degree or Higher 4.1%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

1,722

Total Housing Units

1,618

Occupied Units

104

Vacant Units

1.89

Avg Household Size

Occupancy Type

Owner 57.0%
Renter 43.0%

$91,300

Median Home Value

-43% vs state

$475

Median Rent

1990

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What businesses operate in this ZIP?

Census Bureau data shows 25 business establishments in ZIP 42635, employing approximately 250 people with a combined annual payroll of $10,692,000.

25

Businesses

250

Employees

$10.7M

Annual Payroll

2

Industry Sectors

Industry Establishments % of Total
Retail trade 10 40.0%
Health care and social assistance 3 12.0%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 42635 vs 42638 →

ZIP 42635 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 42635 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 42635 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 42635 ranks #4 of 5 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
42638 Revelo, KY 207 4.0 mi
42649 Strunk, KY 2,326 4.1 mi
42631 Marshes Siding, KY 134 6.1 mi
37892 Winfield, TN 2,007 8.9 mi
42653 Whitley City, KY 4,619 7.5 mi

More ZIP Codes in McCreary County

42653 standard
Whitley City, KY
Pop: 4,619
42647 standard
Stearns, KY
Pop: 4,086
42649 standard
Strunk, KY
Pop: 2,326
42634 standard
Parkers Lake, KY
Pop: 1,565
42638 standard
Revelo, KY
Pop: 207
42631 standard
Marshes Siding, KY
Pop: 134

Related Areas

McCreary County Pine Knot, KY Kentucky

Frequently Asked Questions

What county is ZIP code 42635 in? ▼
ZIP code 42635 (Pine Knot) is located in McCreary County, Kentucky. McCreary County contains multiple ZIP codes, see the full list at /counties/mccreary-ky.
What is the population of ZIP code 42635? ▼
ZIP code 42635 in Pine Knot, KY has a population of 5,103 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 42635? ▼
The median household income in ZIP 42635 is $24,412, which is 68% below the national average of $76,288.
What is the average home value in ZIP 42635? ▼
The median home value in ZIP 42635 is $91,300, which is 67% below the national average of $278,155.
What is the demographic makeup of ZIP 42635? ▼
The largest racial group in ZIP 42635 is White at 74.3%. Hispanic or Latino residents make up 6.4% of the population.
How many businesses are in ZIP code 42635? ▼
ZIP code 42635 has 25 business establishments employing approximately 250 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 42635? ▼
In ZIP code 42635, 45.1% of residents aged 25+ have a high school diploma or higher, and 4.1% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 42635? ▼
In ZIP code 42635, approximately 57.0% of occupied housing units are owner-occupied and 43.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 42635? ▼
The poverty rate in ZIP code 42635 is 42.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.