ZIP Code 40854

ZIP code 40854 is classified by USPS as a standard delivery area and covers roughly 5.6 square miles in Loyall, Harlan County, Kentucky. The area is home to 1,213 residents, producing a population density of 217 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 40854 against Kentucky and the nation.

On the economic side, the median household income for ZIP 40854 sits at $55,250 (7% below the Kentucky average), while per-capita income is $24,632. The poverty rate stands at 29.8% and the unemployment rate at 9.0%. On housing, the median home value is $76,400 (52% below the state average) with median rent at $688 per month, and 63.5% of occupied units are owner-occupied, a direct signal of whether 40854 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 17.4% of adults hold a bachelor's degree or higher, the median age is 48, and the average commute is —. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Harlan County, so you can benchmark 40854 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →