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Loyall city, KY

ZIP 40854 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40854

Median Home Value
$74,500
Median Rent
$466
Affordability Snapshot
$21,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$479/mo PITI).

17%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 40854 in Loyall city, KY, a household would need roughly $21,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $479. That sits below the local median household income ($33,077), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
55.2%-16% vs US avg
x
Vacancy Rate
18.0%+75% vs US avg
x
Broadband Access
86.1%-1% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
6.7%-48% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
11.7%-76% vs US avg
x
Mortgage-Free
61.6%+61% vs US avg
x
$74,500
Home Value
$466
Rent
1973
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached61.2%
  • 1-unit attached0.0%
  • 2-9 units19.5%
  • 10+ units0.0%
  • Mobile home & other19.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$74,500
Median rent$466
Owner-occupied55.2%
Vacant18.0%
Price-to-income2.3x
Est. income to buy$21,000