| ZIP Code | 40854 |
|---|---|
| City | Loyall |
| State | Kentucky (KY) |
| County | Harlan County |
| Area Code | 606 |
| Elevation | 1,170 ft |
| Latitude | 36.845327 |
|---|---|
| Longitude | -83.361744 |
| Timezone | New York (DST) |
| FIPS | 21095 |
| ZIP Type | PO Box |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 48.9 yrs ↑ 30% since 2019 |
|---|---|
| Avg Household Size | 2.23 |
| Below Poverty | 36.5% ▲ 265% above avg |
| College Grads | 22.0% ▼ 43% below avg |
| Unemployment | 14.3% ▲ 192% above avg |
| HS Graduate | 264 (49.3%) |
| Some College | 85 (15.9%) |
| Associates | 69 (12.9%) |
| Bachelors | 61 (11.4%) |
| Graduate Degree | 57 (10.6%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $33,077 ▼ 57% below avg ↑ 37% since 2019 |
|---|---|
| Median Home Value | $74,500 ▼ 73% below avg ↑ 19% since 2019 |
| Home/Income Ratio | 2.3x (nat avg ~3.5x) |
| Median Rent | $640/mo ↑ 13% since 2019 |
| Total Units | 466 |
| Vacant Units | 84 |
| Avg HH Size | 2.23 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 466 |
|---|---|
| Vacant | 84 |
| Owner Occupied | 55.2% |
| Renter Occupied | 44.8% |
| Avg HH Size | 2.23 |
ZIP code 40854 is located in Loyall, Kentucky, within Harlan County. With a population of 853, this is a sparsely populated ZIP code with a mature community — the median age is 48.9 years. Economically, 40854 is a lower-income ZIP code: the median household income of $33,077 is well below the national average.
Real estate in ZIP code 40854 represents one of the more affordable housing markets in the country. The median home value of $74,500 is well below the national average. Renters can expect to pay around $640 per month in median rent. The area has a relatively balanced mix of owners (55.2%) and renters (44.8%). Median home values have increased by 19% since 2019.
The population of 40854 is primarily White (93.08%). Residents are less-educated — 22.0% hold a bachelor's degree or higher, which is below the national average. Poverty affects a significant share of residents at 36.5%. Household income has grown by 37% since 2019.
The unemployment rate in 40854 stands at 14.3%, which is more than double the national average. As in most parts of the country, driving alone is the dominant commute mode at 91%.
Overall, ZIP code 40854 in Loyall, KY is characterized as lower-income, less-educated, and a mature community. With 853 residents, a median household income of $33,077, and a median home value of $74,500, it offers a clear picture of life in this part of Kentucky.