Zip lookup ·
KY
40854
40854
Loyall, Kentucky.
Loyall, Harlan County, KY · population 675
What it costs per month · 40854
$397/mo
to buy the typical home at today's mortgage rate — +$231 (+139%) since Jan 2020.
What the home itself did
- 1 year
- Down $12,411 -14%
- $88,004$75,593 since Sep 2025
- 5 years
- Up $22,958 +44%
- $52,635$75,593 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 40854$397
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 10 years.
Typical home values in zip 40854 fell 14.1% over the past year — slower than the nation's +1.2%.
Typical home value
$75,593
as of Sep 2026
-14.1%year on year
Typical home value — 40854
Mid-tier homes, smoothed and seasonally adjusted.
- 40854$75,593
- United States$366,157
Within 20 miles
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 3.4 | 40873 | Wallins Creek | 2,167 | — | $78,442 |
| 4.6 | 40806 | Baxter | 1,732 | — | $108,074 |
| 5.8 | 40831 | Harlan | 4,789 | — | $103,335 |
| 6.4 | 40819 | Coldiron | 808 | — | $98,812 |
| 6.5 | 40810 | Bledsoe | 1,323 | — | $91,178 |
| 8.2 | 40815 | Cawood | 811 | — | $69,505 |
| 8.8 | 40863 | Pathfork | 706 | — | $70,070 |
| 9.0 | 40865 | Putney | 426 | — | $95,850 |
| 9.6 | 40988 | Stoney Fork | 519 | — | $67,398 |
| 11.6 | 40828 | Evarts | 4,280 | — | $62,940 |
| 11.7 | 40820 | Cranks | 121 | — | $92,181 |
| 12.9 | 40870 | Totz | 564 | — | $97,682 |
| 13.1 | 40958 | Kettle Island | 547 | — | $90,810 |
| 13.6 | 24281 | Rose Hill | 1,890 | — | $121,598 |
| 13.7 | 40856 | Miracle | 745 | — | $90,105 |
| 14.8 | 40902 | Arjay | 558 | — | $66,151 |
| 15.6 | 40827 | Essie | 943 | — | $94,394 |
| 16.2 | 40813 | Calvin | 354 | — | $100,332 |
| 16.3 | 41777 | Yeaddiss | 1,229 | — | $68,198 |
| 16.6 | 24263 | Jonesville | 5,830 | — | $129,267 |
| 17.3 | 24248 | Ewing | 2,207 | — | $133,806 |
| 18.1 | 40927 | Closplint | 584 | — | $65,588 |
| 19.2 | 24277 | Pennington Gap | 5,839 | — | $95,452 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.