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LOYALL, KY 40854

Real Estate Market Report  ·  Harlan County
Balanced Market
January 2026  ·  Source: Realtor.com

Market Overview

Active Listings
2
vs 2 last year
Pending
0
0% pending ratio
Median Price
$54,400
⇩ 68.8% vs $174,500 last year
Average Price
$54,400
⇩ 68.8% vs $174,500 last year
Days on Market
70
⇩ 10.3% vs 78 days last year

Market Context

Population: 1,001  ·  Density: 164.6/mi²  ·  Median household income: $24,803

Typical home value: $68,657  ·  Homeownership: 54.0%

Market Analysis

Data as of January 2026. Source: Realtor.com.

The LOYALL, KY real estate market (40854) currently shows 2 active listings. Homes are averaging 70 days on the market before going under contract.

Inventory levels are unchanged compared to last year.

Homes are selling faster, averaging 70 days on market compared to 78 days last year.

The median listing price has fallen 68.8% year-over-year, from $174,500 to $54,400.

Whether you are buying or selling in LOYALL, KY, SELL123.com can help you save significantly on commission — typically 2% compared to traditional 5% broker fees. Call (240) SELL-123 for a free consultation.

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Market Trends

Inventory & Days on Market

Year over Year
  • Days on market: 70 now vs 78 last year

Median & Average Pricing

Year over Year
  • Median: $54,400 (-68.8% YoY)
  • Average: $54,400 (-68.8% YoY)

12-Month Price Trend

Median & Average
  • Median and average listing prices over the past 12 months

12-Month Inventory Trend

Active & Pending
  • Active and pending listing counts over the past 12 months

Historical Trend Charts

Median Price
Average Price
Days on Market
Total Listings
Pending Listings
Active Listings
New Listings

Nearby Real Estate Markets

Median Price Legend:
< $250K
$250K–$500K
$500K–$1M
$1M–$2M
> $2M
25 Nearby Zip Code Markets within 20.2 miles — 72 listings ($20,035,806 combined market value)
Zip City / State Distance Listings Market Value Median $ Average $
40854Loyall, KY 408540.0 mi2$108,800$54,400$54,400
40873Wallins Creek, KY 408733.4 mi7$1,044,701$149,900$149,243
40831Harlan, KY 408315.8 mi9$2,375,550$207,900$263,950
40818Coalgood, KY 408186.5 mi1$145,000$145,000$145,000
40840Helton, KY 408407.7 mi1$402,500$402,500$402,500
40845Hulen, KY 408459.5 mi1$55,440$55,440$55,440
40870Totz, KY 4087012.9 mi1$150,000$150,000$150,000
24281Rose Hill, VA 2428113.6 mi15$3,193,005$189,000$212,867
40827Essie, KY 4082715.6 mi1$129,000$129,000$129,000
24263Jonesville, VA 2426316.6 mi15$5,041,995$230,000$336,133
24248Ewing, VA 2424817.3 mi13$6,080,815$235,000$467,755
40997Walker, KY 4099717.9 mi1$375,000$375,000$375,000
40935Flat Lick, KY 4093520.2 mi5$934,000$159,000$186,800

Frequently Asked Questions

How many homes are for sale in LOYALL, KY 40854?

As of January 2026, there are 2 active listings in LOYALL, KY (zip code 40854), compared to 2 the prior year.

What is the median home price in LOYALL, KY 40854?

The median listing price in LOYALL, KY 40854 is $54,400 as of January 2026, a 68.8% decrease from $174,500 the prior year.

How long do homes stay on the market in LOYALL, KY?

Homes in LOYALL, KY 40854 spend an average of 70 days on the market before going under contract, compared to 78 days the prior year.

Is it a seller's or buyer's market in LOYALL, KY 40854?

Based on current inventory and days-on-market data as of January 2026, LOYALL, KY 40854 is currently a Balanced Market. Inventory levels are unchanged compared to last year. Homes are selling faster, averaging 70 days on market compared to 78 days last year.

How much can I save on real estate commission in LOYALL, KY?

With SELL123.com's maximum 3% commission, sellers in LOYALL, KY 40854 save an estimated $1,088 compared to a typical 5% commission on the median listing price of $54,400. Our fee structure: 1% listing + 2% selling broker — no additional buyer or seller fees. Call (240) SELL-123 or email info@SELL123.com for a free consultation.