Real Estate Investing in Loyall, Kentucky (40854)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 40854 (Loyall, KY)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
Rare combination of both appreciation and cash flow. These markets don't last long — worth serious consideration.
- High vacancy: 19.0% of homes vacant — above national norms.
- 1-year downturn: Values declined 5.6% in the last year.
- Elevated poverty: 35.4% poverty rate — can affect rent collection.
- Higher unemployment: 8.6% unemployment — tenant risk signal.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Loyall, KY (40854)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 40854 Loyall
Within Harlan County, the 40854 ZIP reflects a lower entry point around $72K. On balance, operators who can improve stock here typically see outsized uplift.
Investors in 40854 do not buy the market average — they buy the unit they can improve. $72K median pricing and $783/mo comps define the envelope within which the work has to pay.
Across KY, value-add opportunity tends to concentrate where housing stock is older and entry prices are below the state median. ZIP 40854 clocks in at both traits clearly.
Stepping back, incomes in 40854 sit below the county median, the tenant pool is deep and the demand for upgraded rental stock consistently outruns supply.
Experienced operators with contractor networks find 40854 a credible choice for. First-time flippers often underestimate scope, budget, and timeline, which is how deals here turn sour.
Here's what matters if you're considering buying a home in Loyall:
Property Strategy for 40854
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $60,421 | $870 | 10.4% | +14.2% | $30,210 |
| 3BR | $101,249 | $1,140 | 8.1% | +12.5% | $33,750 |
Market Trends
Home Value History (with trend line)
📊 How Does 40854 Compare?
| Metric | 40854 | Loyall | Kentucky |
|---|---|---|---|
| Home Value | $71,515 | $71,515 | $225,788 |
| 5-Year CAGR | 9.2% | 9.2% | 6.9% |
| Avg Rent | $783 | $783 | - |
| Cap Rate | 8.5% | 8.5% | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 40854 (Loyall, KY). Anonymous, moderated, never written by AI.
Do you own or manage rentals in ZIP 40854 (Loyall, KY)?
~25 seconds · no account needed · your report is anonymous
📊 Market Snapshot
| Home Value | $71,515 |
| Monthly Rent | $783 |
| Price-to-Rent | 7.6:1 |
| 1% Rule | ✓ Passes |
💰 Return Metrics
| Gross Yield | 13.1% |
| Cap Rate | 8.5% |
| 5-Year IRR | 17.7% |
📈 Home Appreciation
| 1-Year | -5.6% ▼ |
| 3-Year CAGR | +4.5% ▲ |
| 5-Year CAGR | +9.2% ▲ |
| 10-Year CAGR | +7.2% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The estimated cap rate (8.5%) exceeds the current 30-yr mortgage rate (6.8%). When borrowing costs less than a property yields, leverage can increase your cash-on-cash return above the cap rate.
⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 40854
Population: 853
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
Frequently Asked Questions
Where do rents currently stand in Loyall, KY?
Rent in Loyall, KY is around $783/mo. The resulting rent-to-value relationship with $72K pricing is reasonable for most investor models.
What does house hacking look like in Loyall, KY?
House hacking in Loyall, KY is reasonable to execute. Prices around $72K and rents of $783/mo solid owner-occupant economics.
Is BRRRR a fit for Loyall, KY?
Investors running BRRRR in Loyall, KY see a strong outcomes. Deal flow and rehab execution matter more than the macro here.
Is Loyall, KY a good place for real estate investing?
With a 5.0/5 investability score, Loyall, KY ranks as a solid market for rental property investors. Median prices of $72K and rents of $783/mo drive the underlying numbers.
What is the average home sale price in Loyall, KY?
Loyall, KY median home values land near $72K. That is reasonable territory for investors looking at $783/mo-per-month rentals.
You know 40854 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 40854 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
AI Market Advisor
Ask questions about investing in 40854 (Loyall)
Community Ratings
What people who’ve spent time here actually say. Not paid reviews.
Be the first to rate 40854 (Loyall, KY).
It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.