Zip lookup ·
KY
40870
40870
Totz, Kentucky.
Totz, Harlan County, KY · population 564
What it costs per month · 40870
$513/mo
to buy the typical home at today's mortgage rate — +$255 (+99%) since Jan 2020.
What the home itself did
- 1 year
- Down $1,916 -2%
- $99,597$97,682 since Sep 2025
- 5 years
- Up $14,686 +18%
- $82,996$97,682 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.
- 40870$513
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 21 years.
Typical home values in zip 40870 fell 1.9% over the past year — slower than the nation's +1.2%.
Typical home value
$97,682
as of Sep 2026
-1.9%year on year
Typical home value — 40870
Mid-tier homes, smoothed and seasonally adjusted.
- 40870$97,682
- 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 |
|---|---|---|---|---|---|
| 4.0 | 40865 | Putney | 426 | — | $95,850 |
| 4.2 | 40828 | Evarts | 4,280 | — | $62,940 |
| 6.9 | 40927 | Closplint | 584 | — | $65,588 |
| 8.3 | 40806 | Baxter | 1,732 | — | $108,074 |
| 8.6 | 40810 | Bledsoe | 1,323 | — | $91,178 |
| 9.0 | 40823 | Cumberland | 3,742 | — | $69,147 |
| 10.0 | 41777 | Yeaddiss | 1,229 | — | $68,198 |
| 10.9 | 40820 | Cranks | 121 | — | $92,181 |
| 10.9 | 40807 | Benham | 619 | — | $63,596 |
| 10.9 | 40815 | Cawood | 811 | — | $69,505 |
| 12.3 | 41731 | Cornettsville | 927 | — | $84,193 |
| 12.9 | 40854 | Loyall | 675 | — | $75,593 |
| 13.9 | 40855 | Lynch | 744 | — | $54,083 |
| 14.2 | 24277 | Pennington Gap | 5,839 | — | $95,452 |
| 15.4 | 41774 | Viper | 2,010 | — | $102,214 |
| 15.5 | 40831 | Harlan | 4,789 | — | $103,335 |
| 16.3 | 40873 | Wallins Creek | 2,167 | — | $78,442 |
| 16.3 | 24243 | Dryden | 1,452 | — | $136,561 |
| 16.3 | 40862 | Partridge | 525 | — | $85,037 |
| 17.3 | 41776 | Wooton | 712 | — | $78,358 |
| 17.4 | 41804 | Blackey | 1,201 | — | $51,801 |
| 18.0 | 24263 | Jonesville | 5,830 | — | $129,267 |
| 19.3 | 40819 | Coldiron | 808 | — | $98,812 |
| 19.5 | 24216 | Appalachia | 2,246 | — | $54,428 |
| 19.7 | 40827 | Essie | 943 | — | $94,394 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.