ZIP Code Market Report
40854 — Loyall, KY
Data through February 2026 · Updated monthly
Avg Home Value
$73,606
▼ 3.0% year-over-year
Month-over-Month
-0.6%
▼ 0.6%
Single Family
$74,483
Condo / Co-op
--
The average home value in the 40854 ZIP code (Loyall, KENTUCKY) is $73,606 as of February 2026. Home prices are declining, down 3.0% compared to last year.
A 3-bedroom home in 40854 is valued at $93,070.
The market in 40854 has a $81,283 spread between bottom-tier homes at $43,308 and top-tier homes at $124,591. Bottom-tier properties represent the primary opportunity range for real estate investors using the 70% rule, fix-and-flip, or BRRRR strategies.
This report is part of the Harlan County market area in KENTUCKY. For a broader view of the housing market including rent data, market activity, and affordability analysis, see the full Harlan County report.
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Market Snapshot
40854 Housing Market at a Glance
Key metrics for the last 3 months with trend direction.
| Metric | Dec 2025 | Jan 2026 | Feb 2026 | 3-Mo Change |
|---|---|---|---|---|
| Avg Home Value | $76,184 | $74,078 | $73,606 | ▼ 3.4% |
| Single Family Value | $77,061 | $75,628 | $74,483 | ▼ 3.3% |
Home Values
40854 Home Value Trend
Historical home values for ZIP code 40854. Switch between All Homes, Single Family, Bottom Tier, and Top Tier.
Source: Zillow Research ZHVI / ZORI · Updated monthly
By Bedroom
What Homes Cost in 40854
Median home values by bedroom count in this ZIP code.
| Bedrooms | Median Value |
|---|---|
| 2 Bedrooms | $56,523 |
| 3 Bedrooms | $93,070 |
Property Types
Home Values by Property Type in 40854
How different property types compare in this ZIP code.
All Homes
$73,606
Single Family
$74,483
Bottom Tier
$43,308
Top Tier
$124,591
Data Sources and Methodology
Home value data for ZIP code 40854 comes from the Zillow Home Value Index (ZHVI), updated monthly. ZHVI measures the typical home value using Zillow's automated valuation model, smoothed and seasonally adjusted.
This report was last updated February 2026. Data is refreshed on the 17th of each month.
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