ZIP 40065 vs ZIP 40022

This side-by-side compares ZIP 40065 (Shelbyville, KY) and ZIP 40022 (Finchville, KY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 40065 has a population of 28,025 at 61 people per square mile, while ZIP 40022 has 834 at 20 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 40065 reports a median household income of $77,869 against $98,333 in ZIP 40022, with per-capita income of $37,156 vs $53,946. The share of adults holding a bachelor's degree or higher is 30.1% in 40065 and 33.1% in 40022. Poverty rate reads 11.6% vs 5.3%, and unemployment 3.7% vs 1.9% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $280,500 in 40065 versus $576,800 in 40022, with median rent of $1,048 and — per month respectively. Homeownership rate is 68.3% vs 86.5%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.