Loyall, KY · standard
ZIP Code 40854
Harlan County, Kentucky - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 1,213
- 217/sq mi High-density area
- $55,250
- Median income Below-median income area
- $76,400
- Median home value Below-median home value
- 17.4%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Loyall pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a low-density, homeowner-dominated area.
- 21st pct
- household income, US ZIPs
- 4th pct
- home value, US ZIPs
- 217
- people per sq mi
- 64%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40854 against every reporting US ZIP.
ZIP code 40854 is a sparsely populated ZIP (a standard USPS delivery area) in Loyall, Harlan County, Kentucky, home to just 1,213 residents across 5.6 square miles, a density of 217 people per square mile, in the New York time zone.
ZIP 40854 reports a modest median household income of $55,250 (7% below the average Kentucky ZIP), while per-capita income is $24,632. The poverty rate is 29.8%, so the area-level income figures should not be treated as typical household experience. Home values sit below the statewide ZIP benchmark: the median is $76,400 (52% below the average Kentucky ZIP), and median rent is $688; owner occupancy is 63.5%.
Educational attainment sits below the national norm: 17.4% of adults hold a bachelor's degree or higher, the median age is 48, and the average commute is -. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Harlan County, so 40854 can be compared with both its immediate and county-level context.
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 40854, Loyall, 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
1,213
Population
5.6
Area (sq mi)
217
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 40854?
48.0
Median Age
46.7%
Male
53.3%
Female
0.0%
Foreign-Born
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?
$55,250
Median Household Income
-7% vs state ZIP avg
$24,632
Per Capita Income
29.8%
Poverty Rate
9.0%
Unemployment Rate
How ZIP 40854 ranks among Kentucky ZIPs
Loyall, KY household income vs. every Kentucky ZIP code
Median household income among 646 reporting Kentucky ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$55,250 46th percentile higher than 46% of 646 Kentucky ZIPs
Each bar is a $20K-wide band; taller bars hold more Kentucky 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
460housing units
460
Total Housing Units
315
Occupied Units
145
Vacant Units
2.14
Avg Household Size
Occupancy Type
$76,400
Median Home Value
-52% vs state ZIP avg
$688
Median Rent
1971
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 9 business establishments in ZIP 40854, employing approximately 20 people with a combined annual payroll of $773,000.
9
Businesses
20
Employees
$773K
Annual Payroll
2
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Other services (except public administration) | 4 | 44.4% |
| Professional, scientific, and technical services | 3 | 33.3% |
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 40854 vs 40824 →
ZIP 40854 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 40831
Harlan (40831)
5,150 residents
- 40806
Baxter (40806)
2,499 residents
- 40873
Wallins Creek (40873)
2,390 residents
- 40854 1,213
Loyall (40854)
1,213 residents
- 40824 559
Dayhoit (40824)
559 residents
- 40801 531
Ages Brookside (40801)
531 residents
- 40840 312
Helton (40840)
312 residents
- 40830 301
Gulston (40830)
301 residents
- 40829 172
Grays Knob (40829)
172 residents
What this shows Among its immediate neighbors, ZIP 40854 ranks #4 by population - useful context the national average alone can't give.
ZIP 40854 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 40806
Baxter (40806)
$59,837 median income
- 40829
Grays Knob (40829)
$56,154 median income
- 40854
Loyall (40854)
$55,250 median income
- 40824
Dayhoit (40824)
$49,667 median income
- 40831
Harlan (40831)
$35,404 median income
- 40873
Wallins Creek (40873)
$33,359 median income
- 40830 $21,815
Gulston (40830)
$21,815 median income
What this shows By household income, ZIP 40854 ranks #3 of 7 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 40824 | Dayhoit, KY | 559 | 1.7 mi |
| 40873 | Wallins Creek, KY | 2,390 | 3.6 mi |
| 40831 | Harlan, KY | 5,150 | 6.0 mi |
| 40829 | Grays Knob, KY | 172 | 4.4 mi |
| 40806 | Baxter, KY | 2,499 | 4.6 mi |
| 40830 | Gulston, KY | 301 | 6.2 mi |
| 40964 | Mary Alice, KY | 151 | 5.5 mi |
| 40801 | Ages Brookside, KY | 531 | 6.0 mi |
| 40818 | Coalgood, KY | 110 | 6.3 mi |
| 40840 | Helton, KY | 312 | 6.1 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 40854, both outside KY so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (1,213 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Harlan County
Related Areas
Frequently Asked Questions
What county is ZIP code 40854 in?
ZIP code 40854 (Loyall) is located in Harlan County, Kentucky. Harlan County contains multiple ZIP codes, see the full list at /counties/harlan-ky.
What is the population of ZIP code 40854?
ZIP code 40854 in Loyall, KY has a population of 1,213 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40854?
The median household income in ZIP 40854 is $55,250, which is 28% below the national average of $76,288.
What is the average home value in ZIP 40854?
The median home value in ZIP 40854 is $76,400, which is 73% below the national average of $278,155.
What is the demographic makeup of ZIP 40854?
The largest racial group in ZIP 40854 is White at 89.2%.
How many businesses are in ZIP code 40854?
ZIP code 40854 has 9 business establishments employing approximately 20 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 40854?
In ZIP code 40854, 64.9% of residents aged 25+ have a high school diploma or higher, and 17.4% 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 40854?
In ZIP code 40854, approximately 63.5% of occupied housing units are owner-occupied and 36.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40854?
The poverty rate in ZIP code 40854 is 29.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 40854's numbers, next.
- See how ZIP 40854 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Loyall, KY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.