Estimated values: The U.S. Census suppresses field-level data for small places. Estimated from constituent census tracts, pop-weighted from real underlying ACS data.
Tenant beats landlord
19.0%
/ 100 outcomes
In court-decided eviction outcomes for Stearns, KY, tenants prevail in roughly 19.0% of contested cases. A higher number means landlords face stronger tenant defenses, longer calendars, and more required documentation, and landlord-friendliness drops as this rises.
Timeline
35d
filing → judgment
From the moment an unlawful-detainer notice is filed in Stearns, KY until a money judgment is entered, a contested eviction takes about 35 days on average. Longer timelines mean more lost rent and higher carry costs for landlords.
Cost range
$1.3–3.1k
legal + lost rent
A typical eviction in Stearns, KY costs landlords $1,274 to $3,132 all-in, covering court filing fees, process-server costs, attorney time, and lost rent during the calendar between filing and possession.
Average rent
$833
30% stretched on rent
Average gross rent in Stearns, KY is $833 per month per the U.S. Census American Community Survey (5-year 2023). 30% of renter households here spend more than 30% of pre-tax income on rent, the federal cost-burden threshold.
Renters
7.4%
of households
7.4% of occupied housing units in Stearns, KY are renter-occupied (vs owner-occupied). A higher renter share usually correlates with more eviction filings, more turnover, and a more active rental market.
Poverty
38.3%
5.0% unemp.
38.3% of Stearns, KY residents live below the federal poverty line, and unemployment runs at 5.0%. Both feed into the economic-stress sub-score in our Eviction Risk Score model because rent payment problems track poverty + joblessness more reliably than any other single signal.
Time machine
Scrub 50 years
197619861996200620162026
2026
● LIVE · today◀ REPLAY · historical
Nine-axis profile
9-axis profile · today
Shape of the risk surface
1 landlord · 10 tenant
Sub-scores · with sparkline
Where the score comes from
1 → 10 scale
Local political climate
GOP margin +78.7% (2024)
2.0
Regional political climate
County-weighted neighbor mix
2.0
State political climate
Kentucky legislature & governorship
2.1
Economic stress
38.3% poverty · 5.0% unemp.
8.1
Supply constraint
$833 average · 7.4% renters
2.5
Rent Control risk
30.3% of income on rent
5.5
Eviction process difficulty
35 days filing → judgment
1.8
Tenant organizing strength
7.4% renters
3.4
Housing court bias
County bench composition
7.5
Geographic context
Risk heat across Stearns and the region
Click any city to see its score
How Stearns compares
Risk score vs. peers, county, state, and the U.S.
Rank in McCreary County
Very High
#1of 3 cities
#1 of 3 cities in McCreary County for landlord eviction risk.
Rank in Kentucky
Moderate
#252of 553 cities
#252 of 553 cities in Kentucky for landlord eviction risk.
vs. county · state · U.S.
Score story
Six-stop tour of the risk profile
2.4
/ 10 · VERY LOW
The verdict
A Very low-tier market.
Composite 2.4/10. Mid-range market; standard documentation usually wins. The 50-year curve shows a slow, steady climb.
50-yr trend-0.7 over 50 yr
197620012026
Steady ratchet · no large swings
35d
Typical timeline
The money
What renting (and evicting) looks like.
Rent published at $833/mo. A contested eviction takes 35 days and costs $1,274–$3,132 per case.
50-yr trendCalendar drag rising since '15
197620012026
Court-clerk data lands in the next release.
7.4%
Renters
The renters
Who you'll be renting to.
Out of 1,271 residents, 7.4% rent. 30% are spending 30%+ income on rent, 38.3% below the poverty line.
50-yr trendRenter share rising
197620012026
ACS 1970-present · once the migration overlay is in.
2
Local + regional
The politics
Light-statute interior market.
Local & regional political climate score 2 and 2 (GOP margin +78.7% (2024)). State climate at 2.1, a mid-range statehouse.
50-yr trendTracks county vote margin
197620012026
Built on 50-yr presidential margins back to 1976.
2.1
State politics
The process
Moderate calendar, moderate friction.
State political climate 2.1/10 sets the legislative ceiling for landlord remedies, and it shows up in the process. Eviction process difficulty reads 1.8, housing court bias 7.5, rent-control risk 5.5. Standard process speed for the state.
50-yr trendProcess difficulty +-3.2 since '00
197620012026
Court-clerk data lands in the next release.
8.1
Economic stress
The stress
Economic pressure is the real risk.
Economic stress: 8.1. Supply constraint: 2.5. The numbers behind those: 38.3% poverty, 5.0% unemployment, 30% of income on rent.
50-yr trendTwo visible dips · '08 + COVID
197620012026
Mirrors BLS unemployment series.
US eviction landscape · timeline × all-in cost
Stearns sits in the quick & cheap quadrant
Bubble size = population · color = risk score
Stearns · 35d · ~$2.2k all-in ($63/day) · score 2.4National average: 58d · $4.6k all-inHover any bubble for stats · click to openColor: 0–4 4–7 7–10
Landlording in Stearns, Kentucky, presents a manageable operating environment for documented landlords. The Eviction Risk Score is 2.4/10 (VERY LOW tier), drawn from the nine sub-axes shown above, covering rent-control exposure, eviction-process difficulty, housing-court bias, tenant-organizing strength, supply constraint, economic stress, and local, regional, and state political climate. This is not a quick-fix market: it's a Mid-tier market where lease drafting, screening discipline, and well-documented notices materially change outcomes.
Stearns is a city of 1,271 residents where 7.4% of occupied units are renter-occupied, and the typical renter spends 30.3% of income on rent. At an average rent of $833/month, the typical renter household here spends more than the federal 30% threshold on housing, a leading indicator of payment volatility and a precondition for the kinds of tenant defenses that show up most often in housing court.
01Process
How Stearns eviction process actually works
Eviction process difficulty here reads 1.8/10, a number that combines statutory complexity (notice categories, just-cause rules, mandatory pre-filing disclosures) with operational realities (court calendar length and clerk responsiveness). The typical contested filing in Stearns closes 35 days after the initial notice. For non-payment of rent the first step is a properly-formatted, properly-served pay-or-quit notice; for material lease breaches it's a cure-or-quit; for tenancies under just-cause protection an at-fault grounds notice (or a no-fault notice with statutory relocation assistance) is required.
The slow part of Stearns's timeline is usually the calendar, not the motion practice. Housing court bias scores 7.5/10 here, meaning judges read borderline procedural defects in the tenant's favor more often than the national norm. The practical implication: every notice and every proof of service needs to be airtight before it gets filed.
02Cost
What it costs (and how long it takes)
An all-in eviction in Stearns runs $1,274 to $3,132 per case once you account for filing fees, attorney time, lost rent during pendency, sheriff lockout, and unit turnover. That range is wide because the upper bound assumes a tenant answer plus motion practice, common when housing court bias is high. The lower bound assumes a default judgment after proper service.
For landlords running the numbers on holding costs vs. cash-for-keys: if your projected timeline times your monthly rent already exceeds the high-end cost number, cash-for-keys at 1–2 months' rent is typically the economically rational choice. With 35 days of typical timeline and $833/month in lost rent, that crossover happens fast here.
03Operations
Security deposits, screening, and lease terms
Tenant organizing strength scores 3.4/10 in Stearns, and the city has limited rent control exposure (5.5/10). Operations practice that survives audit in this environment looks like:
Screening discipline. Document income (verified at 2.5 to 3x rent), credit (with a clear minimum), and prior-tenancy reference checks, but do not screen on protected categories or source-of-income where banned. Keep a written, consistent screening criteria document for every applicant.
Lease specificity. Use a state-specific lease that names every term clearly: rent due date, late fees within statutory caps, deposit handling, smoke and CO disclosure, lead paint disclosure (pre-1978 stock), and a clean attorney's-fees clause.
Security deposit handling. Itemize deductions within the statutory window. Photograph move-in/move-out condition. In Kentucky, deposit cap and refund window are statute, so exceed them at your own risk.
Mid-tenancy documentation. Keep date-stamped records of every rent receipt, every habitability request, every notice served. The day you need them in court is too late to start.
04Strategy
What an everyday landlord should actually do here
If you own one to four units in Stearns: hire a property manager who knows the local court. The pricing differential between self-managing and hiring out is small relative to the cost of one botched eviction in a VERY LOW tier market. If you own five or more: build relationships with a local landlord-side attorney before you need one, since retainer fees are negligible compared to emergency-rate billing when an eviction is already moving.
The avoidable mistakes here are all upstream of the filing: weak screening, an informal lease, sloppy rent receipts, and notice templates pulled off the internet that don't match Kentucky's statutory language. Fix those four, and most cases settle or default. Skip them, and a $3,132 all-in fight is the realistic worst case.
04bPractical traps
Local traps to avoid in Stearns
Trap · 3.5/10
The 3.5/10 score combines local political climate, court bias, cost-of-eviction, tenant organizing strength, and the likelihood of new tenant-protective legislation. See the breakdown above for Stearns-specific sub-scores.
05FAQ
Frequently asked questions
Q1
Can I evict a tenant in Stearns without a reason?
Kentucky law does not require "just cause" for eviction in all circumstances. If you have a month-to-month lease, you can terminate it with a 30-day written notice without stating a specific reason, as long as it's not discriminatory or retaliatory. For fixed-term leases, you generally need a lease violation or the expiration of the lease term.
Q2
How much does it cost to file an eviction in Stearns?
Court filing fees for a Forcible Detainer action in Kentucky are typically a few hundred dollars. This does not include attorney fees, which can range from $700 to $2,500, or lost rent, which is often the largest cost. The total cost, including lost rent and potential attorney fees, can be between $1,274 and $3,132.
Q3
What's the fastest way to get a non-paying tenant out in Stearns?
The fastest legal way is to immediately serve a 7-day pay-or-quit notice as soon as rent is late and the grace period (if any) expires. If they don't comply, file for eviction immediately. Sometimes, offering "cash for keys", a small payment for the tenant to move out quickly and leave the property in good condition, can be even faster and cheaper than the formal eviction process.
Q4
Do I need an attorney for an eviction in Stearns?
You are not legally required to have an attorney for a Forcible Detainer action in Kentucky. However, if the tenant contests the eviction, hires their own attorney, or if you are unfamiliar with court procedures, hiring an attorney is highly recommended to avoid costly mistakes and delays. It's often worth the investment for peace of mind and a smoother process. You can find more general information about Kentucky eviction risk overview on our state page.
Q5
What are the rules for security deposits in Kentucky?
In Kentucky, you can charge up to two months' rent as a security deposit. You must return the deposit, or an itemized list of deductions, within 60 days of the tenant moving out. Failing to do so can result in losing your right to keep any part of the deposit. Always document property condition thoroughly at move-in and move-out.
Q6
Are there tenant protections I should be aware of in Stearns?
Kentucky generally has fewer statewide tenant protections compared to some other states. There is no statewide rent control or source-of-income protection. However, you must always adhere to federal fair housing laws and avoid any discriminatory or retaliatory actions. Staying informed about Kentucky tenant protections is important for all landlords.
A 2.4/10 places Stearns in the 64th percentile of Kentucky cities on the Eviction Risk Score index. The score is the average of the nine sub-axes, all calibrated on a national 1 to 10 scale where 1 is most landlord-friendly and 10 is most tenant-protective. The 50-year reconstruction shows this score has climbed steadily since 1976, a structural drift driven by court-calendar growth, rent-control adoption, and the rise of tenant-side legal aid. The trajectory matters more than the snapshot: the score is the climate, not the weather.
Cities with similar eviction risk to Stearns (2.4/10)
Same risk band nationally · click any city for its full breakdown.
