Housing market/Kentucky/ZIP 40854
ZIP 40854 Loyall, Harlan County, Kentucky
Harlan County, KY · Kentucky. Census housing stock, renter economics, HUD SAFMR, LIHTC, and population change. Not a listing page and not a buy/sell score.
ZIP brief
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HUD schedule, ACS stock, and the 90–110% band for ZIP 40854 · KY — sent to you.
ZIP 40854 · KY
ACS rent vs 2BR SAFMR
ZIP 40854 — Loyall, KY HUD Section 8 Payment Standards / SAFMR →ACS median is all-bedroom occupied rent. SAFMR is the 2-bedroom HCV benchmark.
Housing stock
ACS 2023 units-in-structure · ZCTA 40854
- 1-unit detached28561.2%
- 2–4 units7415.9%
- 5–49 units173.6%
- Mobile9019.3%
2–4 unit share 15.9% · 5–49 unit share 3.6% · combined 2–49 19.5%.
Units by bedrooms
Rent burden
- ACS median gross rent $640 (all bedrooms, occupied rentals).
- Median contract rent $466.
- Renters paying ≥30% of income 35.1%; ≥50% 11.7%.
- FY2027 2BR SAFMR $910 (1.422× ACS median gross rent).
Population
853 residents · ACS 2023
Change versus the 2018 ACS 5-year estimate: -14.8%.
ACS 5-year estimates lag current construction. This is not a forecast.
Assisted inventory
- LIHTC: not published for this ZIP.
- HUD project-based assisted MF: not published for this ZIP.
- HCV household counts (Picture of Subsidized Households) are not on this page yet.
New apartment permits
About 0 new apartments in 5+ unit buildings may have been permitted in this ZIP’s share of the county. That is units (doors), not a building count.
Cities and counties report building permits to the Census. Apartment counts are for the whole county, not a project list in this ZIP.
What the data shows
ZIP 40854 44.8% of occupied households are renters; vacancy is 18.0%; ACS median gross rent is $640; population changed -14.8% between the 2018 and 2023 ACS vintages; the housing stock includes 74 units in 2–4-unit structures and 17 units in 5–49-unit structures; FY2027 2BR SAFMR is $910 versus ACS median gross rent of $640. These figures describe the underlying housing market, not the cash flow of any one property. Asking rents, expenses, condition, taxes, insurance, and the rent roll have to be underwritten separately.
Kentucky research
ZIP 40854 is a Census / HUD profile for Harlan County, KY. Not a listing page. Brokerage is Georgia; out-of-state work is referral.
ZIP 40854 — Loyall, KY HUD Section 8 Payment Standards / SAFMR·Kentucky ZIP directory
Nearby ZIPs in this FMR area
Census ZIP areas approximate mail ZIPs. Sources: Census ACS 5-year 2023, HUD FY2027 Small Area FMR, HUD LIHTC and assisted multifamily lists, Census building permits (county). This page is Kentucky research. Brokerage is Georgia.
FAQ
What is the housing market like in ZIP 40854?
ZIP 40854 (Harlan County, KY) has 853 residents, 382 households, a renter share of 44.8%, median household income of $33,077, and ACS 2023 median gross rent of $640. Vacancy is 18.0%. These are ZCTA estimates, not a property rent roll.
How much small multifamily housing is in 40854?
ACS counts 37 units in 2-unit buildings, 37 in 3–4 unit buildings, 17 in 5–9, 0 in 10–19, and 0 in 20–49. Combined 2–49 unit stock is 91 units. This is occupied-and-vacant stock, not listings for sale.
What is the Section 8 rent in 40854?
The Housing Choice Voucher benchmark is the FY2027 Small Area FMR. 2-bedroom SAFMR is $910. See the full schedule and 90–110% payment-standard band on the ZIP 40854 — Loyall, KY HUD Section 8 Payment Standards / SAFMR.
Does this Kentucky ZIP profile include Georgia listings?
No. ZIP 40854 is Census / HUD research for Harlan County, KY. Jeff Crowe CRE does not list Kentucky property. Licensed brokerage is Georgia. If you use this stock table and then buy in Georgia, live FMLS Residential Income is on multifamily for sale in Georgia.