PlainZIP

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
$55,250
Median income
$76,400
Median home value
17.4%
Bachelor's or higher

The verdict

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.

21th 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 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.

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 -. To put 40854 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Harlan County, for a geography-aware comparison.

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 40854?

48.0

Median Age

46.7%

Male

53.3%

Female

0.0%

Foreign-Born

White 89.2%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.9%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.9%
Hispanic or Latino 0.0%

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

$24,632

Per Capita Income

29.8%

Poverty Rate

9.0%

Unemployment Rate

How ZIP 40854 ranks nationally

Loyall, KY household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$55,250 21st percentile higher than 21% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 64.9%
Bachelor's Degree or Higher 17.4%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

460

Total Housing Units

315

Occupied Units

145

Vacant Units

2.14

Avg Household Size

Occupancy Type

Owner 63.5%
Renter 36.5%

$76,400

Median Home Value

-52% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 40854 ranks #4 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 40854 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
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

More ZIP Codes in Harlan County

40831 standard
Harlan, KY
Pop: 5,150
40823 standard
Cumberland, KY
Pop: 4,231
40828 standard
Evarts, KY
Pop: 3,965
40806 standard
Baxter, KY
Pop: 2,499
40873 standard
Wallins Creek, KY
Pop: 2,390
40810 standard
Bledsoe, KY
Pop: 1,548

Related Areas

Harlan County Loyall, KY Kentucky

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.

Read our methodology to see how this data is sourced, computed, and verified.