Zip code 40854: Loyall, Kentucky

Q: What city is zip code 40854?

40854 is assigned to Loyall, Kentucky. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 40854 in?

40854 is in Harlan County, Kentucky.

Q: What is the population of 40854?

About 675 people live in 40854, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 40854?

The median household income in 40854 is $55,250.

Q: What zip codes are near 40854?

The closest zip codes to 40854 are 40824, 40873, 40964, 40829, 40806.

Residential delivery areaHarlan CountyEastern Time

Population

675

Median household income

$55K

U.S. $81K

Median home value

$76K

U.S. $333K

Median rent

$688/mo

U.S. $1,413

Median age

U.S. 38.9

Land area

2.4 sq mi

288 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 40854

40854 is a small-town zip code in Loyall, Kentucky (Harlan County), covering 2.4 sq mi of land. About 675 people live here, or 288 per square mile. The median resident is 48 years old, compared with 38.9 nationally.

The median household earns $55,250 a year, 32% below the national median of $80,734. 29.8% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $76,400, or 1.4 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 64% of occupied homes are lived in by their owners, and renters pay a median of $688 a month.

17% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 27.5 minutes each way, and 1% of workers work from home. The most common jobs among working residents are in business and finance; management; and construction and repair.

How 40854 compares

Sorted from highest to lowest national percentile

Housing vacancy31.5%
98th
U.S. 10.1% · KY 10.3%55th of 719 in KY
Poverty rate29.8%
96th
WeaknessU.S. 12.5% · KY 16.1%142nd of 722 in KY
Median age48
93rd
U.S. 38.9 · KY 39.1149th of 724 in KY
Unemployment rate9%
91st
WeaknessU.S. 5.2% · KY 4.9%111th of 719 in KY
Uninsured rate14.4%
87th
WeaknessU.S. 8.4% · KY 6%55th of 723 in KY
Government workers19.4%
82nd
U.S. 14.5% · KY 14.6%208th of 719 in KY
Self-employed workers11.1%
70th
U.S. 10% · KY 8.6%196th of 719 in KY
Average commute27.5 min
60th
U.S. 26.4 min · KY 24 min277th of 624 in KY
Homeownership rate63.5%
38th
U.S. 65.2% · KY 68.3%608th of 719 in KY
Residents 65 and older14.8%
37th
U.S. 17.2% · KY 17.3%527th of 724 in KY
Veterans4.4%
31st
U.S. 6.2% · KY 6.5%494th of 724 in KY
Rent-burdened renters45.7%
31st
U.S. 51.1% · KY 45.4%272nd of 634 in KY
Residents under 1820%
31st
U.S. 22% · KY 22.6%461st of 724 in KY
Broadband access88.6%
26th
U.S. 91% · KY 88.6%292nd of 719 in KY
Population density288/sq mi
25th
U.S. 95/sq mi · KY 115/sq mi118th of 724 in KY
Bachelor's degree or higher17.4%
15th
WeaknessU.S. 35.7% · KY 27.6%288th of 723 in KY
Median household income$55,250
14th
WeaknessU.S. $80,734 · KY $63,726343rd of 641 in KY
Diversity index19.5
12th
U.S. 61.4 · KY 32.5225th of 724 in KY
Median earnings per worker$35,671
10th
WeaknessU.S. $49,666 · KY $43,552512th of 700 in KY
Per capita income$24,632
7th
WeaknessU.S. $44,673 · KY $35,821487th of 722 in KY
Median gross rent$688
3rd
U.S. $1,413 · KY $967350th of 467 in KY
Population675
1st
U.S. 334,922,499 · KY 4,534,824533rd of 724 in KY
Median home value$76,400
1st
U.S. $332,700 · KY $205,600558th of 642 in KY
Work from home0.9%
1st
U.S. 15.1% · KY 10.2%536th of 719 in KY
Foreign-born residents0%
1st
U.S. 14.1% · KY 4.7%522nd of 724 in KY
Tech workers0%
1st
U.S. 3.8% · KY 2.2%473rd of 719 in KY
Healthcare workers2.2%
1st
U.S. 9.7% · KY 10.5%607th of 719 in KY
Income inequality (Gini)0.333
1st
StrengthU.S. 0.483 · KY 0.477625th of 715 in KY

Measure	40854	Harlan	KY	U.S.	National percentile	Rank in KY
Housing vacancy	31.5%	17.7%	10.3%	10.1%	98th	55th of 719
Poverty rateWeakness	29.8%	27.4%	16.1%	12.5%	96th	142nd of 722
Median age	48	40.9	39.1	38.9	93rd	149th of 724
Unemployment rateWeakness	9%	9.5%	4.9%	5.2%	91st	111th of 719
Uninsured rateWeakness	14.4%	4.9%	6%	8.4%	87th	55th of 723
Government workers	19.4%	20.8%	14.6%	14.5%	82nd	208th of 719
Self-employed workers	11.1%	7.8%	8.6%	10%	70th	196th of 719
Average commute	27.5 min	23.8 min	24 min	26.4 min	60th	277th of 624
Homeownership rate	63.5%	71.6%	68.3%	65.2%	38th	608th of 719
Residents 65 and older	14.8%	19.5%	17.3%	17.2%	37th	527th of 724
Veterans	4.4%	5.7%	6.5%	6.2%	31st	494th of 724
Rent-burdened renters	45.7%	48.3%	45.4%	51.1%	31st	272nd of 634
Residents under 18	20%	23.7%	22.6%	22%	31st	461st of 724
Broadband access	88.6%	84.2%	88.6%	91%	26th	292nd of 719
Population density	288/sq mi	55/sq mi	115/sq mi	95/sq mi	25th	118th of 724
Bachelor's degree or higherWeakness	17.4%	13%	27.6%	35.7%	15th	288th of 723
Median household incomeWeakness	$55,250	$41,693	$63,726	$80,734	14th	343rd of 641
Diversity index	19.5	11.6	32.5	61.4	12th	225th of 724
Median earnings per workerWeakness	$35,671	$36,803	$43,552	$49,666	10th	512th of 700
Per capita incomeWeakness	$24,632	$22,319	$35,821	$44,673	7th	487th of 722
Median gross rent	$688	$678	$967	$1,413	3rd	350th of 467
Population	675	25,772	4,534,824	334,922,499	1st	533rd of 724
Median home value	$76,400	$73,700	$205,600	$332,700	1st	558th of 642
Work from home	0.9%	5.8%	10.2%	15.1%	1st	536th of 719
Foreign-born residents	0%	0.4%	4.7%	14.1%	1st	522nd of 724
Tech workers	0%	0.9%	2.2%	3.8%	1st	473rd of 719
Healthcare workers	2.2%	12.3%	10.5%	9.7%	1st	607th of 719
Income inequality (Gini)Strength	0.333	0.463	0.477	0.483	1st	625th of 715

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

19%

5–17

18–24

25–34

21%

35–44

22%

45–54

16%

55–64

11%

65–74

75+

Median age

Under 18

20%

65 and over

14.8%

Race and ethnicity

White89%
Black0%
Hispanic0%
Asian0%
Native American0.9%
Pacific Islander0%
Other0%
Multiracial10%

Diversity index

19.5

U.S. 61.4

Foreign-born

U.S. 14.1%

Born in state

73.3%

Language spoken at home (households)

English only

98%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 315
Average household size: 2.1
Family households: 53.3%
Married couples: 34.9%
Living alone: 30.5%
Veterans (of adults): 4.4%
Male / female: 47% / 53%

Income and poverty

Household income distribution

<$25k

25%

$25–50k

19%

$50–75k

32%

$75–100k

16%

$100–150k

$150–200k

$200k+

Median household income

40854

$55,250

Harlan Co.

$41,693

Kentucky

$63,726

United States

$80,734

Per capita income

$24,632

U.S. $44,673

Poverty rate

29.8%

U.S. 12.5%

Households earning $150K+

U.S. 23%

Income inequality (Gini)

0.333

U.S. 0.483

Housing

Median home value

40854

$76,400

Harlan Co.

$73,700

Kentucky

$205,600

United States

$332,700

Median gross rent

40854

$688

Harlan Co.

$678

Kentucky

$967

United States

$1,413

Types of housing

Single-family

72%

2–4 units

13%

5–19 units

20+ units

Mobile home

12%

Boat, RV, van

Housing units: 460
Owner-occupied: 63.5%
Vacant: 31.5%
Median year built: 1971
Median rooms: 5.7
Renters paying 30%+ of income: 45.7%
Renters paying 50%+ of income: 12.8%
Home value to income: 1.4× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

92%

Carpooled

Transit

Walked

Bicycle

Worked from home

0.9%

Other

Commute time (one way)

<10 min

21%

10–19

36%

20–29

30–44

14%

45–59

11%

60+

17%

Average commute

27.5 min

U.S. 26.4 min

Unemployment

U.S. 5.2%

In labor force

63.8%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Business and finance

27%

Management

18%

Construction and repair

17%

Food service

10%

Sales

Production

Education

Cleaning and personal care

Legal and social services

Healthcare

Office and admin

Transportation and moving

Computer and math

Engineering and science

Arts, media and sports

Police and fire

Farming, fishing and forestry

Industries

Health care and social assistance

27%

Public administration

12%

Other services

12%

Construction

10%

Education

10%

Transportation, warehousing and utilities

Retail

Manufacturing

Agriculture and mining

Restaurants and hotels

Wholesale

Professional and technical services

Admin, support and management

Finance, insurance and real estate

Information

Arts and recreation

Median earnings per worker

$35,671

U.S. $49,666

Self-employed

11.1%

U.S. 10%

Government workers

19.4%

U.S. 14.5%

Nonprofit workers

18.5%

U.S. 8.8%

Median earnings by type of work

Type of work	40854	U.S.
Management, business, science and arts	$36,319	$74,888
Service	$16,734	$26,804
Sales and office	$30,833	$40,476
Construction and maintenance	$36,310	$49,199
Production and transportation	$70,568	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

14%

High school

47%

Some college

15%

Associate's

Bachelor's

13%

Graduate

High school graduate or higher: 86.5%
Bachelor's degree or higher: 17.4%
Graduate or professional degree: 4.5%
Households with broadband: 88.6%
Cable, fiber or DSL: 64.1%
No internet access: 11.1%
Without health insurance: 14.4%
Limited-English households: 0%

Geography

City (USPS): Loyall
State: Kentucky
County: Harlan County
Center point: 36.8453° N, 83.3617° W
Land area: 2.4 sq mi
Water area: 0.1 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Loyall13% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 40854

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
40824	Dayhoit, KY	1.6 mi	977	$49,667	$46,600
40873	Wallins Creek, KY	3.2 mi	2,167	$33,359	$88,900
40964	Mary Alice, KY	4.5 mi	101	—	—
40829	Grays Knob, KY	4.7 mi	62	$56,154	—
40806	Baxter, KY	4.8 mi	1,732	$59,837	$99,700
40830	Gulston, KY	5.1 mi	312	$21,815	—
40819	Coldiron, KY	5.3 mi	808	$31,799	—
40801	Ages Brookside, KY	6 mi	0	—	—
40831	Harlan, KY	6.2 mi	4,789	$35,404	$89,100
40818	Coalgood, KY	6.8 mi	148	—	—
40840	Helton, KY	7.6 mi	355	—	—
40810	Bledsoe, KY	7.7 mi	1,323	$40,066	$64,700

Questions about 40854

What city is zip code 40854?

40854 is assigned to Loyall, Kentucky. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 40854 in?

40854 is in Harlan County, Kentucky.

What is the population of 40854?

About 675 people live in 40854, according to the Census Bureau's American Community Survey.

What time zone is 40854 in?

40854 is in Eastern Time.

What is the median household income in 40854?

The median household income in 40854 is $55,250.

What zip codes are near 40854?

The closest zip codes to 40854 are 40824, 40873, 40964, 40829, 40806.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 40854, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.