How much is a home worth in ZIP code 40863?

The typical home in 40863 is worth $70,457, based on the Zillow Home Value Index.

Are home values rising in 40863?

Home values in 40863 are down 9.5% over the past year, and up 4.4% a year over five years.

ZIP code 40863 has a population of 706 and a median household income of $49,578.

HousingHandbookReference data

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U.S. ZIP Code · KY40863

Harlan County

Typical home value

$70,457^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: -9.5%
5-year / yr: +4.4%
10-year / yr: +4.6%

Relative price

vs U.S.: -75.2%
vs metro: —
vs state: -57.6%

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 40863 is worth $70,457. Over the past year, values have fallen 9.5%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent: —^[2]
Gross yield: —^[2]
Cap rate: —^[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate: —^[3]
Typical annual tax: —^[3]

#Climate risk

FEMA National Risk Index ratings for Harlan County. "Not Applicable" means the hazard does not threaten the county.

Overall risk: Relatively Low^[4]
Riverine flood: Relatively Moderate
Coastal flood: Not Applicable
Wildfire: Relatively Low
Drought: No Rating
Heat wave: Relatively Low
Hurricane: Very Low
Tornado: Relatively Low
Earthquake: Very Low
Winter weather: Relatively Moderate

#Who lives here

Population: 706^[3]
Median household income: $49,578^[3]

#Migration

Household moves in and out of Harlan County over a year, from IRS tax-return data.

Net migration: -14^[5]
Moved in: 243
Moved out: 257

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Home value$Monthly rent$

Gross yield—

Net yield (after ~40% expenses)—

Annual rent—

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$356

Loan principal$56,365

Down payment$14,091

Total interest paid$71,891

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio—

Monthly cost to own$485

Monthly rent—

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation: —^[1]
Rental yield: —^[2]
Property tax: —^[3]

Frequently asked

How much is a home worth in ZIP code 40863?: The typical home in 40863 is worth $70,457, based on the Zillow Home Value Index.
Are home values rising in 40863?: Home values in 40863 are down 9.5% over the past year, and up 4.4% a year over five years.
Who lives in 40863?: ZIP code 40863 has a population of 706 and a median household income of $49,578.

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#Jump to section

U.S. ZIP Code · KY40863

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