Census tract · McCreary County
Census Tract 9603.02, McCreary County, Kentucky
Census Tract 9603.02, GEOID 21147960302, in McCreary County, Kentucky, partly within Stearns and Whitley City. 2,594 residents in the ACS 2020-2024 5-year estimates (±555); the 2020 Census counted 3,115.
Residents, 2020-2024
2,594
±555 (90% margin)
2020 Census count: 3,115
Median household income
$23,281
±$14,979 (90% margin)
McCreary County: $33,750
Median home value
$60,400
±$50,473 (90% margin)
McCreary County: $85,300
Median gross rent
$851
±$205 (90% margin)
McCreary County: $577
Where is Census Tract 9603.02?
Census Tract 9603.02 is one of 6 census tracts in McCreary County, Kentucky. It covers 27.85 square miles of land, 112 residents per square mile in 2020. Its GEOID, 21147960302, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Stearns | 20% |
| Whitley City | 3% |
4 census tracts border Census Tract 9603.02: Tract 9601 ($40,369), Tract 9602 ($29,044), Tract 9603.01 ($56,225) and Tract 9604.02. The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 9603.02?
The 2020-2024 American Community Survey puts Census Tract 9603.02's population at 2,594 (±555) in 963 households; the 2020 Census counted 3,115 residents and 1,436 housing units.
| Measure | Tract 9603.02 | McCreary County |
|---|---|---|
| Total population | 2,594 ±555 | 16,867 |
| Households | 963 ±197 | 5,861 |
| Average household size | 2.69 ±0.46 | 2.56 |
| Housing units | 1,270 ±225 | 6,920 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 9603.02?
The median resident of Census Tract 9603.02 is 43.6 years old; 18.7% are under 18 and 11.7% are 65 or older. The largest group is non-Hispanic white residents at 97.9%, then non-Hispanic residents of two or more races at 1.3%.
| Measure | Tract 9603.02 | McCreary County |
|---|---|---|
| Median age | 43.6 ±9.6 | 39.0 |
| Under 18 years | 18.7% ±4.7 pts | 21.8% |
| 65 years and over | 11.7% ±3.4 pts | 16.2% |
| Hispanic or Latino (any race) | 0.3% ±0.5 pts | 2.2% |
| White alone, not Hispanic | 97.9% ±1.7 pts | 88.8% |
| Black or African American alone, not Hispanic | 0.0% ±1.4 pts | 6.1% |
| Asian alone, not Hispanic | 0.0% ±1.4 pts | 0.1% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±1.4 pts | 0.1% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±1.4 pts | 0.1% |
| Two or more races, not Hispanic | 1.3% ±1.5 pts | 2.6% |
| Some other race alone, not Hispanic | 0.4% ±0.7 pts | 0.1% |
| Born outside the United States | 0.0% ±1.4 pts | 0.9% |
| Speak a language other than English at home (age 5+) | 0.3% ±0.5 pts | 1.9% |
| Civilian veterans (age 18+) | 5.2% ±3.5 pts | 5.9% |
| With a disability | 31.3% ±8.3 pts | 25.4% |
| No health insurance coverage | 10.4% ±6.7 pts | 8.1% |
| High school graduate or higher (age 25+) | 73.9% ±10.4 pts | 77.4% |
| Bachelor's degree or higher (age 25+) | 15.0% ±8.0 pts | 8.5% |
| Graduate or professional degree (age 25+) | 5.3% ±4.3 pts | 3.5% |
| Lived in the same house a year earlier | 93.2% ±8.1 pts | 90.0% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 9603.02 earn?
Half of the 963 households in Census Tract 9603.02 earn less than $23,281 a year (±$14,979), against $33,750 across McCreary County: 5th highest of the county's 5 tracts with a reliable estimate. 45.4% of residents live below the poverty line.
| Measure | Tract 9603.02 | McCreary County |
|---|---|---|
| Median household income | $23,281 ±$14,979 | $33,750 |
| Mean household income | $52,272 ±$26,354 | $46,528 |
| Per capita income | $21,102 ±$10,006 | $17,150 |
| People below the poverty line | 45.4% ±16.4 pts | 38.9% |
| Children under 18 below the poverty line | 21.0% ±20.3 pts | 42.1% |
| Households receiving SNAP | 41.5% ±16.2 pts | 33.3% |
| Households with a computer | 82.9% ±10.6 pts | 84.2% |
| Households with a broadband subscription | 75.5% ±12.4 pts | 80.1% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 9603.02?
Owners occupy 77.7% of Census Tract 9603.02's occupied homes and renters 22.3%. The median renter pays $851 a month including utilities, and 68.0% of renters pay 35% or more of their income on rent.
| Measure | Tract 9603.02 | McCreary County |
|---|---|---|
| Median home value (owner-occupied) | $60,400 ±$50,473 | $85,300 |
| Median gross rent | $851 ±$205 | $577 |
| Renters paying 35% or more of income on rent | 68.0% ±31.2 pts | 45.2% |
| Median monthly owner costs, with a mortgage | $902 ±$594 | $946 |
| Owner-occupied homes | 77.7% ±9.7 pts | 74.2% |
| Renter-occupied homes | 22.3% ±9.7 pts | 25.8% |
| Housing units | 1,270 ±225 | 6,920 |
| Single-family detached homes | 75.1% ±10.0 pts | 64.1% |
| Mobile homes | 20.1% ±9.8 pts | 25.2% |
| Built 2020 or later | 0.0% ±2.9 pts | 2.1% |
| Built 2010 to 2019 | 1.3% ±2.1 pts | 6.4% |
| Built 1939 or earlier | 9.4% ±9.2 pts | 7.1% |
| Households with no vehicle | 12.7% ±9.9 pts | 10.8% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 9603.02 get to work?
95.8% of Census Tract 9603.02's workers drive alone. The average trip to work takes 30.5 minutes.
| Measure | Tract 9603.02 | McCreary County |
|---|---|---|
| In the labor force (age 16+) | 25.7% ±9.9 pts | 35.4% |
| Unemployment rate | 0.0% ±6.5 pts | 4.2% |
| Drove alone to work | 95.8% ±7.4 pts | 77.9% |
| Carpooled | 4.2% ±7.4 pts | 10.6% |
| Public transportation | 0.0% ±6.6 pts | 0.1% |
| Walked | 0.0% ±6.6 pts | 0.1% |
| Worked from home | 0.0% ±6.6 pts | 9.2% |
| Mean travel time to work | 30.5 min ±6.8 | 32.3 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 9603.02 compare with the other tracts in McCreary County?
Among McCreary County's tracts with a reliable estimate, Census Tract 9603.02 ranks as shown below (1 = highest).
| Measure | In McCreary County |
|---|---|
| Population | 4th of 6 |
| Residents per square mile | 2nd of 6 |
| Median household income | 5th of 5 |
| Per capita income | 1st of 5 |
| Median gross rent | 1st of 4 |
| Poverty rate | 2nd of 6 |
| Bachelor's degree or higher | 1st of 3 |
| Median age | 3rd of 6 |
| Owner-occupied share | 4th of 6 |
The tracts next to it on McCreary County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 9601 | 2nd | $40,369±$12,427 · within the margin of this tract |
| Tract 9604.01 | 3rd | $31,597±$10,281 · within the margin of this tract |
| Tract 9602 | 4th | $29,044±$4,166 · within the margin of this tract |
| Tract 9603.02 | 5th | $23,281±$14,979 |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 9603.02?
5 of the 18 figures for Census Tract 9603.02 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections