| City: | Loyall, Kentucky |
| County: | Harlan County |
| Timezone: | Eastern (GMT -05:00) |
| Local Time: | 9:26:47 PM |
| Population: | 1,171 [See All] |
| Area Code: | 606 |
| Classification: | PO Box |
| Coordinates: | 36.8493, -83.3548 |
| Land Area: | 2.348 sq mi |
| Quick Link: |
Loyall is a compact community in Harlan County, Kentucky, covering just 2.35 square miles. With 1,171 residents in 527 households, this is a working-class town where 67% of homes are owner-occupied. The median household income is $33,077, and median home values are $74,500.
This is a PO Box Only Zone. No alternative mail delivery exists across the service area. The Loyall post office maintains 610 PO Boxes for the community, serving both local residents and surrounding areas. That's 116 boxes for every 100 households, which indicates the post office serves people beyond the immediate town limits.
Mail delivery combines limited street routes with PO Box service. Most delivery happens via one rural route covering 105 address records, plus one city route with minimal coverage. Streets like Chad Street (9 addresses), Mapother Street (8 addresses), and Bailey Street (7 addresses) form the core of the town's grid. Some apartments exist on Chad and Mapother streets.
The population is 94% White with a median age of 42.4 years. Only 8.4% of adults have bachelor's degrees. Major employers include transportation and warehousing (149 workers), educational and health services (79 workers), and federal government (38 workers). Nearly a quarter of workers (24.7%) work from home, though this may include self-employment or remote positions.
Housing stock is old. Of 611 total housing units, 466 were built before 1939. That's 76% of all homes. The town has 84 vacant units, though only 4 are seasonal properties. Median rent is $640 per month.
Street names mix family surnames with numbered streets and the Rio Vista subdivision, typical of small Kentucky towns.
ZIP Code 40854 has 1,171 residents and 527 households (average 2.22 persons per household). The median age is 42.4 years, older than the state (39.4) and older than the nation (38.8). The gender split is 48.3% male and 51.7% female, which is about the same as the state male share (49.2%), making this a female-majority area. Largest groups are White (94.1%, much higher than the state average of 82.4% and well above the national average of 61.6%) and Hispanic or Latino (1.3%); Hispanic or Latino residents make up 1.3%, which is much lower than the national average (18.7%).
Explore More:Population Over TimeBy Age & GenderBy RaceBy GenderNativity & Citizenship
| 2020 Population: | 1,171Source: Census DHC |
| 2024 ACS Population Estimate: | 675Source: Census ACS |
| 2026 ZC Population Estimate: | 0Source: ZIP-Codes.com |
| Population Density: | 498.7 people per sq mile |
| Average Income: | $55,250Source: Census ACS |
| Households: | 527Source: Census DHC |
| Average House Value: | $76,400Source: Census ACS |
| Persons Per Household: | 2.22Source: Census DHC |
| Average Family Size: | 3.05Source: Census ACS |
| Group | 2010 | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Census ACS Population Estimate | -- | 1,345 | 1,193 | 1,200 | 1,029 | 1,083 | 1,103 | 994 | 1,001 | 1,019 | 946 | 996 | 1,001 | 853 | 675 |
| Decennial Census | 1,213 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 1,171 | -- | -- | -- | -- |
Median Age: 42.4
Male Median Age: 40.7
Female Median Age: 45.5
| Group | < 5 | 5-9 | 10-14 | 15-19 | 20-24 | 25-29 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 | 65-69 | 70-74 | 75-79 | 80-84 | 85+ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Male | 35 | 37 | 44 | 35 | 14 | 31 | 33 | 50 | 37 | 36 | 36 | 35 | 30 | 31 | 46 | 10 | 11 | 15 |
| Female | 22 | 35 | 26 | 30 | 34 | 31 | 41 | 43 | 39 | 47 | 48 | 35 | 40 | 45 | 45 | 17 | 15 | 12 |
| Total | 57 | 72 | 70 | 65 | 48 | 62 | 74 | 93 | 76 | 83 | 84 | 70 | 70 | 76 | 91 | 27 | 26 | 27 |
| White: | 1,102 | 96.24% |
| Black: | 13 | 1.14% |
| Hispanic:* | 15 | 1.31% |
| Asian: | 5 | 0.44% |
| American Indian: | 6 | 0.52% |
| Hawaiian: | 0 | 0% |
| Other: | 4 | 0.35% |
| Total: | 1,145 | 100% |
| Gender | Count | % | Median Age |
|---|---|---|---|
| Males: | 566 | 48.33% | 40.7 years |
| Females: | 605 | 51.67% | 45.5 years |
| Total: | 1,171 | 100% | 42.4 years |
| Native, born in the United States: | 675 | 100.00% |
| Native, born in PR, Island Areas, or abroad: | 0 | 0.00% |
| Foreign born, naturalized U.S. citizen: | 0 | 0.00% |
| Foreign born, not a U.S. citizen: | 0 | 0.00% |
| Total Population: | 675 | 100% |
| Total Native Population: | 675 | 100.00% |
| Total Foreign-born Population: | 0 | 0.00% |
In 2024, the Median household income is $55,250, which is considerably lower than the national median ($80,734), is up $24,595 (80.2%) since 2011 and above its 2019 pre-pandemic level by $31,107. Family households earn a median of $61,071 versus $0 for nonfamily households (a difference of $61,071). By gender, male median income is $35,734 and female is $36,597, which is well under the national female median ($55,274), with a current gap of $863 that has widened from 2011 to 2024. The labor-force participation rate is 63.8%, which is about the same as the national rate (63.5%). The unemployment rate is 9.0%, which is markedly higher than the national rate (5.2%). The largest occupation group is Management (51.9%).
Explore More:Income Over TimeHousehold IncomeEmployment StatusBy Occupation
| Income Type | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Household Income | $30,655 | $26,932 | $25,375 | $28,006 | $23,375 | $25,188 | $23,250 | $25,625 | $24,143 | $33,750 | $24,103 | $24,803 | $33,077 | $55,250 |
| Median Family Income | $28,846 | $28,125 | $25,208 | $29,010 | $26,023 | $27,083 | $25,938 | $26,513 | $26,250 | $40,093 | $30,476 | $30,909 | $34,135 | $61,071 |
| Median NonFamily Income | $31,118 | $25,938 | $25,625 | $20,833 | $15,341 | $16,667 | $18,750 | $21,667 | $20,433 | $22,266 | $20,673 | $23,664 | $25,750 | $0 |
| Median Male Income | $22,188 | $31,806 | $32,632 | $33,542 | $0 | $0 | $27,361 | $26,711 | $32,222 | $35,223 | $24,167 | $24,777 | $30,985 | $35,734 |
| Median Female Income | $33,594 | $38,393 | $36,563 | $36,000 | $0 | $37,250 | $21,667 | $32,500 | $37,813 | $38,333 | $27,500 | $25,417 | $33,333 | $36,597 |
| Employed: | 324 | 58.06% |
| Unemployed: | 32 | 5.73% |
| Not In Labor Force: | 202 | 36.20% |
| Total: | 558 | 100% |
| Management, business, science, and arts: | 168 | 51.85% |
| Service: | 49 | 15.12% |
| Sales and Office: | 28 | 8.64% |
| Natural resources, construction, and maintenance: | 54 | 16.67% |
| Production, transportation, and material moving: | 25 | 7.72% |
| Total Civilian Employed Population: | 324 | 100% |
In 2024, the median home value is $76,400, which is much lower than the national median ($332,700), is up $3,500 (4.80%) since 2011 and above its 2019 pre-pandemic level by $14,000. The median gross rent is $688, which is far less than the national median ($1,413), is up $295 (75.06%) since 2011 and above its 2019 pre-pandemic level by $120. Of occupied housing, owners make up 63.49% (56.00% with a mortgage, 44.00% free-and-clear) and renters 36.51% - making this ZIP Code higher than national rental averages. The vacancy rate is 31.52%, which is considerably higher than the national rate (10.12%).
Explore More:Compare Home ValueHome Value Over TimeRent & Over TimeHousing Occupancy
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Home Value | $72,900 | $79,700 | $73,300 | $64,400 | $59,200 | $58,900 | $46,000 | $56,000 | $62,400 | $66,600 | $63,400 | $68,800 | $74,500 | $76,400 |
| Less than $500: | 0 | 0.00% |
| $500 to $999: | 84 | 73.04% |
| $1,000 to $1,499: | 6 | 5.22% |
| $1,500 to $1,999: | 4 | 3.48% |
| $2,000 to $2,499: | 0 | 0.00% |
| $2,500 to $2,999: | 0 | 0.00% |
| $3,000 or more: | 0 | 0.00% |
| No Rent: | 21 | 18.26% |
| Total: | 115 | 100% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Rent | $393 | $476 | $432 | $442 | $448 | $445 | $485 | $532 | $568 | $588 | $577 | $599 | $640 | $688 |
| Owner Occupied (with mortgage): | 112 | 35.56% |
| Owner Occupied (free and clear, no mortgage): | 88 | 27.94% |
| Renter Occupied: | 115 | 36.51% |
| Total Occupied Housing Units: | 315 | 100% |
| Occupied Housing Units: | 315 | 68.48% |
| Vacant Housing Units (not graphed): | 145 | 31.52% |
| Total Housing Units: | 460 | 100% |
| Single-Family Units: | 331 | 71.96% |
| Multi-Family Units: | 73 | 15.87% |
| Other Units: | 56 | 12.17% |
| Total Housing Units: | 460 | 100% |
In 2024, 17.40% of adults (25+) have a bachelor's degree or higher, which is far lower than the national rate (35.70%). High school or higher is 86.50%, which is comparable to the national rate (89.60%). The uninsured rate is 14.40%, which is comparable to the national rate (8.40%). The share of people in poverty is 23.80%, which is comparable to the national rate (8.80%), up 6.50 percentage points since 2011 and above its 2019 pre-pandemic level by 6.70 percentage points. This signals a sharp increase in hardship - a shrinking consumer base, heavy pressure on public services, and job-market contraction risks. Among residents ages 3+, the largest enrollment group is high school (60.32%). College enrollment is 5.56%, which is far lower than the national rate (26.70%), indicating the community may be more oriented toward vocational/trade or direct-to-workforce opportunities.
Explore More:Educational AttainmentHealth InsurancePoverty Over TimeSchool Enrollment
| Less than 9th grade: | 50 | 9.38% |
| 9th to 12th grade, no diploma: | 22 | 4.13% |
| High school graduate (includes equivalency): | 253 | 47.47% |
| Some college, no degree: | 78 | 14.63% |
| Associate's degree: | 37 | 6.94% |
| Bachelor's degree: | 69 | 12.95% |
| Graduate or professional degree: | 24 | 4.50% |
| Total: | 533 | 100% |
| High school or higher: | 461 | 86.49% |
| Bachelor's degree or higher: | 93 | 17.45% |
| Private Insurance: | 385 | 49.68% |
| Public Insurance: | 293 | 37.81% |
| No Insurance: | 97 | 12.52% |
| Total: | 775 | 100% |
| Has Health Insurance: | 678 | 87.48% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| % of People in Poverty | 30.0% | 24.4% | 23.4% | 29.3% | 28.6% | 25.9% | 31.6% | 28.3% | 29.8% | 23.3% | 29.5% | 35.4% | 36.5% | 23.8% |
Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.
| Nursery School, Preschool: | 0 | 0.00% |
| Kindergarten: | 0 | 0.00% |
| Elementary school (grades 1-8): | 43 | 34.13% |
| High school (grades 9-12): | 76 | 60.32% |
| College or graduate school: | 7 | 5.56% |
| Total: | 126 | 100% |
| Early Childhood: | 0 | 0.00% |
| K-12 (Primary & Secondary School): | 119 | 94.44% |
ZIP Code 40854 supports both business and residential activity. According to the Business Census (2024), there are 9 business establishments, employing about 20 people with an annual payroll of $773,000.
| # Residential Mailboxes: | 0Source: USPS |
| # Business Mailboxes: | 0Source: USPS |
| Total Delivery Receptacles: | 631Source: USPS |
| Single Family Delivery Units: | 0Source: USPS |
| Multi Family Delivery Units: | 0Source: USPS |
| # of Businesses: | 9Source: CBP |
| 1st Quarter Payroll: | $160,000Source: CBP |
| Annual Payroll: | $773,000Source: CBP |
| # of Employees: | 20Source: CBP |
ZIP Code 40854 is located in Harlan County, Kentucky, within the Metropolitan Statistical Area (CBSA ) and Kentucky's 5th Congressional District. This area has a population of 0 people, about 0.00% of whom live in ZIP Code 40854. It covers 2.348 sq mi of land and a water area of 0.079 sq mi.
| CBSA Name: | --Source: Census |
| CBSA Number: | --Source: Census |
| CBSA Type: | --Source: Census |
| CBSA Division: | --Source: Census |
| CBSA Population: | 0Source: Census |
| MSA: | Source: Census |
| Land Area: | 2.348 sq miSource: Census |
| Water Area: | 0.079 sq miSource: Census |
| Congressional District: | 05Source: USPS |
| Congressional Land Area: | 11235.15 sq miSource: Census |
| PMSA: | Source: Census |
| Intro Date: | < 2004-10Source: ZIP-Codes.com |
| Place FIPS Code: | 2148288Source: Census |
| Place Name: | Loyall city; KentuckySource: Census |
We could not locate which school district 40854 belongs to, but we will update this once new district data is released. There are no public schools nor private schools with a mailing address in this ZIP Code. Listing Nearby schools instead. It also has 6 colleges, universities or post secondary education institutions nearby which would be a short commute to.
Our sources include trusted federal and licensed data from the United States Postal Service, U.S. Census Bureau, U.S. Geological Survey, Centers for Medicare & Medicaid Services, and the National Center for Education Statistics, along with proprietary datasets created by ZIP-Codes.com. Data last updated on February 1, 2026.