40854 ZIP Code — Loyall, KY

Harlan County, Kentucky

ZIP code 40854 is located in Loyall, Kentucky, within Harlan County. It covers approximately 2.35 square miles and serves a population of 1,001 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 606.

About ZIP code 40854

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $68,800. Owner-occupancy sits near the national average at 54%.

Median household income is $24,803. Poverty affects 37% of residents, above the national average. SNAP benefit usage at 37% of households reflects economic stress in the area. 43% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is sales and office, with education and healthcare as the leading industry. The average commute of 14 minutes is near the national average.

College attainment at 6% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of obesity (46%), diabetes (17%), smoking (30%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 30%.

Overall, ZIP code 40854 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

1,001

population

2.35

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40854 ZIP code map

Cities in ZIP code 40854

Below are the cities the US Postal Service accepts for ZIP code 40854. Using any city not on this list may result in mail delivery delays.

City	Status
Loyall	Acceptable

Demographics updated 05/2026

Population
Total population	1,001
Population density	426 / sq mi
State FIPS	21
County FIPS	095

Geography
Land area	2.35 sq mi
Water area	0.08 sq mi
Latitude	36.8493
Longitude	-83.3548
Timezone	Eastern (ET)
Area code	606

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	75.0%	70.4%	47.9%
$50k – $100k	21.1%	23.0%	30.3%
$100k – $200k	3.9%	5.5%	17.6%
Over $200k	0.0%	1.1%	4.2%

Demographics & statistics

1,001

Population

426

People per sq mi

37.6

Median age

$24,803

Median household income

$14,865

Per capita income

$68,800

Median home value

$599

Median monthly rent

54.0%

Home ownership

36.7%

Poverty rate

22.8%

Unemployment

337

Housing units

5.5%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

108

25–34

115

35–44

45–54

55–59

60–64

65–74

75–84

← Male

Female →

Age summary

Group	Count	%
Under 18	192	19.2%
18 and over	809	80.8%
65 and over	173	17.3%
Median age	37.6 years

Race & ethnicity

White 94.8%

Two or more races 2.4%

Hispanic or Latino 1.8%

Black or African American 1.1%

Group	Count	%
White	966	94.8%
Two or more races	24	2.4%
Hispanic or Latino	18	1.8%
Black or African American	11	1.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	75.0%	70.4%	47.9%
$50k – $100k	21.1%	23.0%	30.3%
$100k – $200k	3.9%	5.5%	17.6%
Over $200k	0.0%	1.1%	4.2%

Under $10k 10.1%

$10k–$15k 7.4%

$15k–$25k 33.6%

$25k–$35k 11.5%

$35k–$50k 17.0%

$50k–$75k 13.3%

$75k–$100k 5.3%

$100k–$150k 1.8%

Range	% of households
Under $10k	10.1%
$10k–$15k	7.4%
$15k–$25k	33.6%
$25k–$35k	11.5%
$35k–$50k	17.0%
$50k–$75k	13.3%
$75k–$100k	5.3%
$100k–$150k	1.8%
Median income	$24,803

Housing

Home values

Under $50k 9.8%

$50k–$100k 66.8%

$100k–$150k 10.2%

$150k–$200k 13.2%

Housing overview

Metric	Value
Median home value	$68,800
Median rent / month	$599
Owner occupied	54.0%
Renter occupied	46.0%
Vacant	19.0%
Single-family detached	65.2%
Large apartment buildings	0.0%
Mobile homes	21.6%
Median rooms	5.1
Avg household size (owned)	2.23

Year built

Era	%
2020 or later	0.0%
2010–2019	4.5%
2000–2009	13.0%
1990–1999	5.4%
1980–1989	6.0%
1970–1979	22.9%
1960–1969	6.5%
1950–1959	16.6%
1940–1949	16.8%
1939 or earlier	8.4%

Bedrooms

Size	% of units
No bedroom (studio)	5.0%
1 bedroom	3.0%
2 bedrooms	42.8%
3 bedrooms	43.9%
4 bedrooms	3.4%
5+ bedrooms	1.9%

Vehicles per household

Vehicles	% of households
No vehicle	10.1%
1 vehicle	44.8%
2 vehicles	29.7%
3 or more	15.4%

Heating fuel

Fuel type	%
Electricity	94.3%
Propane / LP gas	0.2%
Fuel oil	3.4%
Wood	1.4%

Households & families

Household type	Count	%
Married-couple family	155	35.6%
Cohabiting couple	12	2.8%
Male householder, no spouse	46	10.6%
Female householder, no spouse	222	51.0%
Households with children under 18	96	22.1%
Households with seniors (65+)	146	33.6%
Average household size	2.30

Marital status

Status	Male	Female
Never married	45.5%	27.6%
Married	45.0%	34.7%
Separated	0.8%	0.2%
Widowed	5.7%	11.3%
Divorced	3.0%	26.1%

Education

Less than 9th grade 15.4%

Some HS, no diploma 8.3%

HS graduate 43.8%

Some college, no degree 18.3%

Associate's degree 8.7%

Bachelor's degree 2.4%

Graduate / professional 3.1%

Metric	%
HS diploma or higher	76.3%
Bachelor's or higher	5.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	129	68.3%
High school	42	22.2%
College / grad school	18	9.5%

Employment

Industry of employment

Education & healthcare 35.3%

Professional & management 19.1%

Retail trade 14.5%

Transportation & utilities 7.1%

Arts, food & hospitality 6.2%

Wholesale trade 5.8%

Manufacturing 4.6%

Information 2.9%

Other services 2.9%

Finance & real estate 1.7%

Occupation

Category	%
Management, business & arts	25.3%
Service	25.3%
Sales & office	32.4%
Natural resources & construction	4.6%
Production & transportation	12.4%

Employment type

Type	%
Private sector	85.9%
Government	9.5%
Self-employed	4.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	68.1%
Carpool	9.4%
Public transit	0.0%
Walk	8.1%
Work from home	14.5%
Other means	0.0%
Avg commute (minutes)	14.3

Poverty

All people 36.7%

Under 18 years 47.4%

18 and over 34.1%

Married-couple families 12.9%

Female-led households 70.1%

Income support

Source	% of households
Social Security	43.2%
Retirement income	30.1%
Supplemental Security	22.3%
Cash public assistance	17.7%
Food stamps / SNAP	36.6%

Health indicators

Condition	%
Obesity	45.7%
High blood pressure	50.1%
High cholesterol	41.2%
Diabetes	17.1%
Heart disease	11.3%
Stroke	5.7%
Asthma	13.1%
Arthritis	39.9%
Kidney disease	4.8%
Pulmonary disease	17.1%
Cancer	7.8%

Behavior / access	%
Smoking	29.8%
Binge drinking	13.0%
No physical activity	40.8%
Less than 7 hrs sleep	39.4%
Depression	29.0%
Fair or poor health	31.1%
Poor mental health	20.8%
Poor physical health	20.7%
No health insurance	12.1%
Visited doctor (checkup)	78.4%
Visited dentist	43.5%
Cholesterol screening	88.6%
Teeth loss	30.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	34	4.2%

Disability	%
Any disability	30.4%
Under 18	9.4%
18–64 years	29.7%
65 and over	56.1%

Health insurance coverage

Type	%
Private insurance	32.8%
Public insurance	76.5%
No insurance	4.6%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	946	94.5%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,001	100.0%
Born in same state	1,001	100.0%
Born in different state	821	82.0%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
French	154	15.4%
Italian	131	13.1%

Ancestry	Count	%
Arab	92	9.2%
Polish	4	0.4%

Technology access

Metric	% of households
Computer access	43.5%
Internet access	91.5%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 40854

What city is ZIP code 40854 in?

ZIP code 40854 is primarily assigned to Loyall, Kentucky.

What county is ZIP code 40854 in?

ZIP code 40854 falls within Harlan County, Kentucky.

What is the poverty rate in ZIP code 40854?

37% of residents in ZIP code 40854 live below the poverty line, above the national average.

How educated is the population of ZIP code 40854?

6% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 40854 have a large retiree population?

43% of households in ZIP code 40854 receive Social Security income, suggesting a significant retiree or disability population.

What are the health statistics for ZIP code 40854?

Health data for ZIP code 40854 shows elevated rates of obesity (46%) and diabetes (17%) and smoking (30%) compared to national benchmarks.

What timezone is ZIP code 40854 in?

ZIP code 40854 observes the EST timezone.