The story of this market
The typical home in ZIP 40828 sells for about $75,000, or $65 per square foot.
Prices are up +2.5% from a year ago, so sellers still have some momentum. Homes take about 120 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $918 a month.
ZIP 40828 — Evarts
The housing market in 40828 remains stable with low inventory and modest price growth. Market activity is driven by local demand and limited new construction, resulting in a slow-paced environment.
This area is best suited for local residents, retirees, or those seeking affordable, rural living in the Appalachian region.
Median prices moved up 2.5% year over year.
Homes spend a median of 120 days on market with 7.5 months of supply — a slower-moving market.
15% of listings have cut prices · homes sell at 94% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 11.1% · poverty 32.7% — elevated distress and economic pressure.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 3.5%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 2.9%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 40828, Harlan County KY
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Schools in the area are part of the Harlan County Public Schools district, which serves a rural, economically challenged region.
The area is prone to flooding due to its mountainous terrain and proximity to the Cumberland River; insurance costs are influenced by regional flood risk.
Economic momentum is limited, with the area historically tied to the coal industry and currently seeking diversification through regional development initiatives.
Property taxes are assessed by Harlan County; the rate structure includes state, county, and school district levies typical of Kentucky jurisdictions.
Commuting is primarily by private vehicle, with residents traveling to nearby towns like Harlan for employment and services.
The area offers access to outdoor recreation including hiking and fishing in the surrounding Appalachian mountains and nearby state parks.
The rental market is characterized by low turnover and limited inventory, with demand driven by local workforce needs.
The local economy is transitioning away from traditional coal mining, with employment concentrated in public services, education, and small-scale retail.
Transportation is heavily reliant on personal vehicles; there is no significant public transit infrastructure.
Development is focused on small-scale infrastructure improvements and community revitalization projects.
The Harlan County Property Valuation Administrator (PVA) manages assessments based on fair cash value.
Parcels are subject to Harlan County school district taxes and local utility district assessments.
Property insurance premiums are elevated due to regional flood and wildfire risks common in Eastern Kentucky.
Data retrieved from U.S. Census Bureau ZCTA 40828 profile.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- Leeman Field RV Park and Campground4.410.9 mi
- Cumberland Bowl Park4.612.5 mi
- Portal 31 Coal Mine & Tour4.616.4 mi
- Kentucky Coal Mining Museum4.614.6 mi
- Cumberland Bowl Park4.612.5 mi
- Village Center Mall3.88 mi
- Woodland Plaza4.18.1 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Local community park providing green space and recreational facilities.
Provides opportunities for fishing and outdoor activities.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.