Median Income
$31,250
58% lower than US avg
Home Value
$73,300
74% lower than US avg
Violent Crime
170/100K
55% lower than US avg
Bachelor's+
13.2%
61% lower than US avg
Median Rent
$631
46% lower than US avg
Obesity Rate
31.0%
3% lower than US avg
Unemployment
9.2%
156% higher than US avg
Poverty Rate
35.9%
190% higher than US avg
How Loyall Compares to the U.S. Average (100% = U.S. avg)
People
Population496
Median Age47.3 yrs
Density1,653/mi²
Male / Female46% / 54%
Largest GroupWhite 95%
Veterans7.0%
Economy
F
Median Income$31,250
Per Capita$17,516
Unemployment9.2%
Poverty35.9%
County GDP$760M
Commute24 min
Housing
A+
Home Value$73,300
Rent$631
Ownership47.5%
Zillow$100,100
Housing Units311
Rent Burden24.9%
Crime
C
Violent170/100K
Property0/100K
Health
Obesity31.0%
Uninsured3.0%
Climate
Avg Temp56°F (13°C)
Rain52.2 in/yr
Elevation1,190 ft (363 m)
Education
C
Bachelor's+13.2%
High School+75.0%
Graduate+5.7%
School Score5.42
Community
2024 VoteR 88% / D 12%
Commute24 min
Broadband82.6%
EV Stations1
Libraries4
Is Loyall a Good Place to Live?
Based on current data, Loyall receives an overall livability score of 2.6 out of 5.0, earning a grade of C+. Key strengths include low crime rates, affordable housing, high health insurance coverage. Areas to be aware of include above-average unemployment, an elevated poverty rate, below-average incomes. Loyall has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Loyall is $31,250, 58% below the national average of $75,149. At 9.2%, unemployment is notably high. The poverty rate of 35.9% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 24 minutes.
Cost of Living & Housing
The median home value in Loyall is $73,300, 74% below the national median / offering relatively affordable homeownership. Renters pay a median of $631 per month, below the national average / a plus for affordability. At just 2.3x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Loyall is below the national average at 170 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 0 per 100,000, 100% below the national average.
Education
13.2% of residents hold a bachelor's degree, below the national average of 33.7%. 75.0% have completed high school. Area schools have an average test score of 5.4/10.
Climate & Weather
Loyall enjoys a moderate climate with an average annual temperature of 56°F. Winters average 36°F in January while summers reach 75°F in July. Annual precipitation totals 52.2 inches, including 10.1 inches of snow.
Loyall has a population of 496 with a density of 1,653 people per square mile, spread across 0.3 square miles. The median age is 47.3 years, 22% older than the national median of 38.9. The gender split is 54% female and 46% male. The city is predominantly White (95%), with 1.4% Black. English is the primary language spoken at home by 98.5% of residents. 7.0% of the population are veterans. 34.7% of residents have a disability (above the 13.0% national average). 97.0% have health insurance coverage.
Population
496
Total Population
2023 Census
47.3yrs
Median Age
22% above US avg
Language Spoken at Home
English Only
98.5%
25% above US avg
Spanish
0.0%
100% below US avg
The median household income in Loyall is $31,250, which is 58% below the national average of $75,149. Per capita income is $17,516 (below the $39,052 national figure). The average weekly wage is $855, 40% lower than the U.S. average. The unemployment rate is 9.2% (above the 3.6% US average). 35.9% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 525 business establishments, including 37 restaurants. The cost of living index is 90.2, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 24 minutes. 1.6% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $31,250 |
| 58% below US avg |
| Per Capita Income | $17,516 |
| Avg Weekly Wage | $855 |
| IRS Avg AGI | $43,821 |
| Gini Index | 0.484 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 9.2% |
| 156% above US avg |
| Poverty Rate | 35.9% |
| 190% above US avg |
| Establishments (County) | 525 |
| County GDP | $760M |
Business (County)
| Restaurants | 37 |
| Healthcare | 45 |
| Retail | 86 |
| Manufacturing | 5 |
Tax & Cost of Living
| Property Tax (IRS) | $2,525 |
| 28% below US avg |
| Cost of Living | 90.20 (100=avg) |
| Effective Tax Rate | 3.44% |
Commute & Transportation
| Commute Time | 23.7 min |
| Drive Alone | 82.1% |
| Public Transit | 0.0% |
| Work from Home | 1.6% |
The median home value in Loyall is $73,300, 74% below the national median of $281,900. Zillow estimates the typical home value at $100,100, higher than the Census estimate. Monthly rent averages $631 (46% below the national average of $1,163). Fair market rent ranges from $794 for a one-bedroom to $984 for a two-bedroom apartment. 47.5% of housing units are owner-occupied (below the 65.4% national rate). There are 311 total housing units in the city. The median year a home was built is 1957. The average annual property tax is $2,525 (lower than the $3,500 national average). 24.9% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.3x, well within the affordable range.
Home Values
| Census Median | $73,300 |
| 74% below US avg |
| Zillow ZHVI | $100,100 |
Rental Costs
| Census Median Rent | $631 |
| 46% below US avg |
| Rent Burden | 24.9% |
HUD Fair Market Rent
| Studio | $719 |
| 1 Bedroom | $794 |
| 2 Bedrooms | $984 |
| 3 Bedrooms | $1,277 |
| 4 Bedrooms | $1,442 |
Ownership & Property
| Homeownership | 47.5% |
| Owner-Occupied | 47.5% |
| Renter-Occupied | 52.5% |
| Housing Units | 311 |
| Median Year Built | 1957 |
Property Tax
| Avg Tax (IRS) | $2,525 |
| 28% below US avg |
| Effective Rate | 3.44% |
In Loyall, 31.0% of adults are obese, below the national rate of 32.1%. 3.0% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:2,907. The dentist ratio is 1:3,208. 59.7% of residents have access to exercise opportunities. The food environment index is 5.9 out of 10.
Health Metrics: Loyall vs U.S. Average (%)
Chronic Conditions
| Obesity | 31.0% |
| 3% below US avg |
Behaviors & Mental Health
Healthcare Access
| Insurance Rate | 97.0% |
| Uninsured | 3.0% |
| 65% below US avg |
| Primary Care | 1:2,907 |
| Dentists | 1:3,208 |
| Mental Health | 1:1,688 |
| Dental Visits | 46.6% |
| Premature Death | 20,677/100K |
Food & Exercise
| Food Environment | 5.9/10 |
| Exercise Access | 59.7% |
| Healthcare Facilities | 45 |
Loyall has a violent crime rate of 170 per 100,000 residents, 55% below the national average of 380. Property crime stands at 0 per 100,000, 100% below the U.S. average. The county recorded 5 fatal traffic crashes. The area has experienced 91 federally declared disasters. Overall, Loyall receives a safety grade of C.
Crime Rates: Loyall vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 170.4/100K |
| 55% below US avg |
| |
Property Crime
| Total Property | 0.0/100K |
| 100% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 5 |
| Avg Accident Severity | 0.0 / 4.0 |
| FEMA Disasters | 91 |
Safety Score
| Safety Grade | C |
| Safety Score | 2.0 / 5.0 |
Loyall enjoys a temperate climate with an average annual temperature of 56°F (13°C). Winters average 36°F in January while summers reach 75°F in July. Annual precipitation totals 52.2 inches (wetter than the 38-inch national average). The area receives 10.1 inches of snow annually. The city sits at an elevation of 1,190 feet.
Temperature
36°F Jan (2°C)
75°F Jul (24°C)
| Annual Average | 55.9°F |
| 4% above US avg |
| January Average | 36°F (2°C) |
| July Average | 75°F (24°C) |
Geography
| Elevation | 1,190 ft (363 m) |
| Area | 0.3 sq mi (0.8 km²) |
| Population Density | 1,653/sq mi |
| Coordinates | 36.8519°N, 83.3490°W |
| Timezone | America/New_York |
| County | Harlan County County |
| Nearest Airport | Lake Cumberland Regional (SME)
71 miles away |
Precipitation & Snow
Annual Rainfall
52.2"
37% above US avg
Wettest Month (Dec)
5.04"
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 65.7 / 100 |
| Social Vulnerability | 80.0 / 100 |
| Community Resilience | 13.7 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Relatively Low |
| Flood |
Relatively Moderate |
| Hail |
Relatively Low |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Very Low |
| Ice Storm |
Very Low |
| Drought |
No Rating |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Moderate |
| Avalanche |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
106 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.2. Most recent: M2.5 on Aug 19, 2025.
| Nov 10, 2012 |
6 km W of Blackey, Kentucky |
M4.2 |
41 km |
| Aug 17, 1990 |
9 km NNW of Loyall, Kentucky |
M4.0 |
10 km |
| Jan 20, 2020 |
2 km NE of Fincastle, Tennessee |
M3.8 |
77 km |
| Jul 30, 1997 |
6 km NNE of Tazewell, Tennessee |
M3.8 |
42 km |
| Sep 17, 2004 |
8 km ESE of Corbin, Kentucky |
M3.7 |
59 km |
| Jun 17, 1998 |
9 km SSE of Coalfield, Tennessee |
M3.6 |
138 km |
| Jun 16, 2006 |
9 km W of Maggie Valley, North Carolina |
M3.4 |
150 km |
| Feb 12, 1994 |
10 km NNW of Abingdon, Virginia |
M3.4 |
120 km |
| Mar 5, 2019 |
7 km NE of Maynardville, Tennessee |
M3.4 |
71 km |
| Apr 20, 2010 |
4 km SW of Maryville, Tennessee |
M3.3 |
138 km |
| Aug 31, 2009 |
2 km NNE of Friendsville, Tennessee |
M3.3 |
138 km |
| Jun 4, 2023 |
4 km NNW of West Canton, North Carolina |
M3.2 |
148 km |
| Nov 8, 1990 |
5 km SW of Blackey, Kentucky |
M3.2 |
40 km |
| Jul 26, 2001 |
11 km N of Sevierville, Tennessee |
M3.2 |
100 km |
| Jan 27, 2009 |
4 km NE of Williamsburg, Kentucky |
M3.2 |
70 km |
| Jul 26, 2001 |
11 km S of New Market, Tennessee |
M3.2 |
96 km |
| Jan 17, 1999 |
7 km NNW of Flat Lick, Kentucky |
M3.1 |
40 km |
| Apr 29, 2018 |
10 km WSW of Bean Station, Tennessee |
M3.1 |
62 km |
| Jul 7, 1995 |
3 km NW of Mountain City, Tennessee |
M3.0 |
141 km |
| Nov 24, 2012 |
7 km NE of Sevierville, Tennessee |
M3.0 |
105 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
128 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 22 fatalities, 259 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jul 27, 2014 |
EF3 |
70 km |
0 |
| Mar 2, 2012 |
EF3 |
95 km |
2 |
| May 9, 1988 |
EF3 |
45 km |
1 |
| Apr 3, 1974 |
EF3 |
96 km |
7 |
| Jun 29, 1973 |
EF3 |
72 km |
0 |
| Mar 12, 1967 |
EF3 |
72 km |
0 |
| Mar 2, 2012 |
EF2 |
42 km |
0 |
| Mar 2, 2012 |
EF2 |
86 km |
6 |
| Apr 27, 2011 |
EF2 |
85 km |
0 |
| May 8, 2009 |
EF2 |
75 km |
0 |
| May 8, 2009 |
EF2 |
48 km |
0 |
| Jun 2, 2001 |
EF2 |
72 km |
0 |
| May 18, 1995 |
EF2 |
78 km |
0 |
| May 18, 1995 |
EF2 |
59 km |
0 |
| May 6, 1984 |
EF2 |
72 km |
0 |
| Jul 6, 1980 |
EF2 |
32 km |
0 |
| Oct 1, 1977 |
EF2 |
88 km |
0 |
| Apr 3, 1974 |
EF2 |
70 km |
0 |
| Apr 3, 1974 |
EF2 |
96 km |
0 |
| May 10, 1973 |
EF2 |
98 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (66,345 ac, 1987).
| Year |
Name |
Acres |
Distance |
| 1987 |
UNNAMED |
66,345 |
85 km |
| 1987 |
UNNAMED |
66,145 |
68 km |
| 2001 |
UNNAMED |
18,013 |
64 km |
| 1999 |
UNNAMED |
17,759 |
78 km |
| 1991 |
UNNAMED |
17,406 |
71 km |
| 1999 |
UNNAMED |
17,328 |
71 km |
| 1994 |
UNNAMED |
15,526 |
80 km |
| 1987 |
UNNAMED |
15,138 |
28 km |
| 1987 |
UNNAMED |
13,124 |
95 km |
| 1987 |
UNNAMED |
11,817 |
42 km |
| 1999 |
UNNAMED |
10,990 |
90 km |
| 1987 |
UNNAMED |
10,817 |
92 km |
| 2016 |
STINKING CREEK |
10,768 |
88 km |
| 1987 |
UNNAMED |
10,327 |
69 km |
| 1987 |
UNNAMED |
9,572 |
87 km |
| 1991 |
UNNAMED |
9,084 |
94 km |
| 1987 |
UNNAMED |
9,084 |
15 km |
| 2001 |
UNNAMED |
8,287 |
98 km |
| 1999 |
UNNAMED |
8,143 |
77 km |
| 1994 |
UNNAMED |
8,123 |
81 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
36°F (2°C) |
4.1 in |
Coldest |
| February |
39°F (4°C) |
4.3 in |
|
| March |
46°F (8°C) |
5.0 in |
|
| April |
55°F (13°C) |
4.9 in |
|
| May |
64°F (18°C) |
4.7 in |
|
| June |
72°F (22°C) |
4.7 in |
|
| July |
75°F (24°C) |
4.8 in |
Warmest |
| August |
74°F (23°C) |
4.5 in |
|
| September |
68°F (20°C) |
3.5 in |
|
| October |
57°F (14°C) |
3.2 in |
Driest |
| November |
46°F (8°C) |
3.6 in |
|
| December |
39°F (4°C) |
5.0 in |
Wettest |
Loyall has a seasonal temperature swing of 39°F / from 36°F in January to 75°F in July. Total annual precipitation is 52.2 inches, with December being the wettest month (5.0") and October the driest (3.2").
Average costs for common services in Loyall. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$226 ($135-$361) |
| Specialist Visit |
$316 ($180-$496) |
| Urgent Care Visit |
$180 ($90-$316) |
| Emergency Room Visit |
$1,984 ($722-$4,510) |
| Dental Cleaning |
$117 ($68-$180) |
| Dental Filling |
$226 ($135-$361) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23-$68) |
| Oil Change (Synthetic) |
$68 ($45-$108) |
| Brake Pad Replacement |
$271 ($135-$451) |
| Tire Rotation |
$36 ($18-$68) |
| New Tires (Set of 4) |
$541 ($361-$902) |
| Battery Replacement |
$180 ($90-$316) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$90 ($54-$135) |
| Electrician (Per Hour) |
$81 ($45-$126) |
| HVAC Repair |
$361 ($135-$722) |
| HVAC System Install |
$6,314 ($3,608-$10,824) |
| Roof Repair |
$902 ($361-$1,804) |
| Roof Replacement |
$8,118 ($4,961-$13,530) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,353 ($451-$3,157) |
| Divorce (Contested) |
$13,530 ($4,510-$27,060) |
| DUI Defense |
$4,510 ($1,804-$9,020) |
| Bankruptcy (Chapter 7) |
$1,353 ($722-$2,706) |
| Will Preparation |
$451 ($180-$902) |
| Trust Preparation |
$2,255 ($902-$4,510) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14-$41) |
| Women's Haircut |
$50 ($27-$90) |
| Hair Coloring (Full) |
$135 ($68-$226) |
| Manicure |
$23 ($14-$41) |
| Pedicure |
$36 ($23-$59) |
| Massage (1 Hour) |
$72 ($45-$117) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.70 ($2.71-$4.96) |
| Dozen Eggs (per dozen) |
$3.16 ($2.26-$4.51) |
| Loaf of Bread |
$3.43 ($2.26-$4.96) |
| Chicken Breast (per lb) |
$4.06 ($2.71-$5.86) |
| Ground Beef (per lb) |
$4.96 ($3.61-$6.77) |
| Rice (per lb) |
$0.90 ($0.54-$1.62) |
View all 20 services
Utilities
| Electricity (Monthly) |
$126 ($72-$226) |
| Natural Gas (Monthly) |
$63 ($27-$135) |
| Water/Sewer (Monthly) |
$63 ($36-$108) |
| Internet (Monthly) |
$63 ($36-$90) |
| Cell Phone Plan (Monthly) |
$59 ($27-$90) |
| Cable TV (Monthly) |
$77 ($45-$135) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$180 ($68-$451) |
| Car Insurance (Annual) |
$1,804 ($1,082-$3,157) |
| Bus Pass (Monthly) |
$63 ($27-$117) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.22-$23) |
| Car Registration (Annual) |
$90 ($27-$226) |
| Driver's License Renewal |
$27 ($14-$68) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,082 ($541-$2,255) |
| Daycare (Toddler, Monthly) |
$902 ($451-$1,804) |
| After-School Care (Monthly) |
$361 ($180-$631) |
| Tutoring (Per Hour) |
$45 ($23-$90) |
| SAT/ACT Prep Course |
$902 ($361-$2,255) |
| Private School (K-12, Annual) |
$11,275 ($4,510-$27,060) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$54 ($27-$90) |
| Dog Vaccination (Annual) |
$90 ($45-$180) |
| Dog Grooming |
$54 ($27-$90) |
| Pet Boarding (Per Night) |
$36 ($18-$68) |
| Dog Spay/Neuter |
$271 ($135-$451) |
| Cat Spay/Neuter |
$180 ($90-$361) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $435 |
| Toddler | $404 |
| Preschool | $404 |
| Family Childcare (monthly) |
| Infant | $484 |
| Toddler | $351 |
| Preschool | $351 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Loyall
What is the population of Loyall?
Loyall has a population of 496 residents and is located in Kentucky. The population density is 1,653 people per square mile, spread across 0.3 square miles. The median age of residents is 47.3 years, which is older than the national median of 38.9 years. The population is 54% female and 46% male.
Is Loyall expensive to live in?
Loyall is more affordable than the national average, with a cost of living index of 90.2 / below the baseline of 100. The median household income is $31,250, 58% below the national average of $75,149. The median home value is $73,300 (74% below the U.S. median). Renters pay a median of $631 per month, below the national average of $1,163. The home price-to-income ratio is 2.3x, indicating housing is reasonably affordable relative to local income levels.
Is Loyall safe?
Loyall is safer than the national average, with a violent crime rate of 170 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 0 per 100,000 (below the national average). Overall, Loyall receives a safety grade of C based on combined crime data.
What is the weather like in Loyall?
Loyall enjoys a temperate climate with an average annual temperature of 56°F (13°C). Winter temperatures average 36°F in January, while summers reach an average of 75°F in July. Annual rainfall totals 52.2 inches, with 10.1 inches of snow.
How is the job market in Loyall?
The job market in Loyall faces challenges, with unemployment at 9.2% / significantly above the national rate of 3.6%. The average weekly wage is $855. There are 525 business establishments in the area, including 37 restaurants and food service locations. The average commute time is 24 minutes, and 1.6% of workers work from home.
How much does housing cost in Loyall?
The median home value in Loyall is $73,300. Zillow estimates the typical home value at $100,100. For renters, the median monthly rent is $631. Fair market rent is $794 for a 1-bedroom and $984 for a 2-bedroom apartment. The homeownership rate is 47.5%. The average annual property tax is $2,525.
How are the schools in Loyall?
Schools in Loyall score 5.4 out of 10 on standardized testing, near the national average. 13.2% of adults in Loyall hold a bachelor's degree or higher, below the national average of 33.7%. 75.0% have completed high school. 5.7% hold a graduate or professional degree.
How healthy is Loyall?
The obesity rate in Loyall is 31.0% (below the national rate of 32.1%). 3.0% lack health insurance (below the national rate). 59.7% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,907.
What is transportation like in Loyall?
The average commute in Loyall is 24 minutes, shorter than the national average of 28 minutes. 82.1% of workers drive alone to work, and 1.6% work from home.
What are the demographics of Loyall?
The racial and ethnic makeup of Loyall is 95% White, 1.4% Black or African American. 98.5% of residents speak only English at home. 7.0% of the population are military veterans. 34.7% of residents have a disability. 97.0% have health insurance coverage.