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Loyall 40854

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.Kentucky
$64K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Housing Stock

HomesHow many homes we have records for in this area.523
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$64K
Median sizeThe middle home size here, measured in square feet.1,244 ft²
Median bedroomsThe middle bedroom count for homes here.3
Median year builtThe middle build year for homes here. A recent year means most housing is newer.1940
Single familyThe share of homes here that are single-family houses.86%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.84%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.2.0%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.74%
Company ownedThe share of homes owned by a company or trust instead of a person.7.8%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.0%
Typical ownership tenureHow long the typical owner here has held their home.13.1 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.149
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.123
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.101

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.82%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.5.8%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.22%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.8%
PopulationHow many people live in this area.488
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.374 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$40K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$44K
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

How Loyall 40854 compares

By median home value, Loyall 40854 is the 11th most expensive of 21 ZIP codes in Harlan County, and its typical home is worth more than 42% of all homes in Harlan County.

Home values in Loyall 40854

Share of homes at each estimated value.

Median
$30K$201K
ZIP codes in Harlan County ranked by median home value
#Harlan CountyMedian valueHomes
1Putney 40865$127K228
2Totz 40870$113K235
3Coldiron 40819$94K364
4Harlan 40831$93K1,874
5Baxter 40806$85K985
6Closplint 40927$76K212
7Cumberland 40823$73K1,418
8Wallins Creek 40873$70K1,076
9Evarts 40828$67K1,552
10Pathfork 40863$67K218
11Loyall 40854$64K523
12Bledsoe 40810$64K569
13Benham 40807$64K254
1440824$63K182
15Cranks 40820$59K217
16Big Laurel 40808$59K106
17Grays Knob 40829$58K104
18Cawood 40815$56K559
19Lynch 40855$54K428
20Gulston 40830$49K107
21Kenvir 40847$48K219

About the Loyall 40854 market

How many homes are there in Loyall 40854, KY?

Loyall 40854, KY contains 523 residential properties, with a median of 1,244 square feet, 3 bedrooms, built around 1940. The median TopHap Estimate is $64K.

How does Loyall 40854, KY compare to the rest of Harlan County?

By median home value, Loyall 40854, KY is the 11th most expensive of 21 ZIP codes in Harlan County. Its typical home is worth more than 42% of all homes in Harlan County. Pathfork 40863 ranks just above it and Bledsoe 40810 just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Loyall 40854, KY?

74% of homes in Loyall 40854, KY are owner-occupied. 8% are held by a company rather than an individual.

How much equity do owners in Loyall 40854, KY hold?

84% of mortgaged homes in Loyall 40854, KY are equity-rich, meaning the loan balance is under half the home's value. 2.0% owe more than the home is worth.

Nearby markets

Browse addresses

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Explore Loyall 40854 on the map

See every recorded sale, price heat map, school zone and flood overlay across Loyall 40854 in TopHap’s interactive 3D map.

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A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
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