PlainZIP

Finchville, KY · standard

ZIP Code 40022

Shelby County, Kentucky - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

834
20/sq mi
$98,333
Median income
$576,800
Median home value
33.1%
Bachelor's or higher

The verdict

Finchville pairs an upper-quartile household income with top-decile home values, in a rural, homeowner-dominated area.

Top 20%
household income, US ZIPs
Top 10%
home value, US ZIPs
20
people per sq mi
87%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40022 against every reporting US ZIP.

ZIP code 40022 is a sparsely populated ZIP (a standard USPS delivery area) in Finchville, Shelby County, Kentucky, home to just 834 residents across 41.7 square miles, a density of 20 people per square mile, in the New York time zone.

ZIP 40022 lands in the middle-income range, with a median household income of $98,333 (65% above the Kentucky average), while per-capita income is $53,946. The poverty rate stands at 5.3% and the unemployment rate at 1.9%. Housing costs here run $576,800 for a typical home value (263% above the state average), with rent averaging - a month; 86.5% of homes are owner-occupied.

A solid share of residents have a four-year degree: 33.1% of adults hold a bachelor's degree or higher, the median age is 51.5, and the average commute is -. To put 40022 in local context, 5 ZIP codes within roughly 10 miles appear further down this page alongside 4 additional ZIPs in Shelby County, for a geography-aware comparison.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 40022

Top 5 sectors by establishment count in Finchville, KY

Which industries have the most business establishments in ZIP 40022.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 40022, Finchville, KY · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

834

Population

41.7

Area (sq mi)

20

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 40022?

51.5

Median Age

45.7%

Male

54.3%

Female

5.9%

Foreign-Born

White 81.0%
African American 2.1%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 16.9%
Hispanic or Latino 14.7%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$98,333

Median Household Income

+65% vs state

$53,946

Per Capita Income

5.3%

Poverty Rate

1.9%

Unemployment Rate

How ZIP 40022 ranks nationally

Finchville, KY household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$98,333 Top 20% higher than 80% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 67.0%
Bachelor's Degree or Higher 33.1%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

357

Total Housing Units

334

Occupied Units

23

Vacant Units

2.70

Avg Household Size

Occupancy Type

Owner 86.5%
Renter 13.5%

$576,800

Median Home Value

+263% vs state

1996

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+10.4%

YoY Change (2021)

178

HPI Index (2000 = 100)

+78%

Total Change Since 2000

Home values in ZIP 40022 have increased 10.4% over the past year (2021). Since 2000, this ZIP has seen +78% cumulative appreciation.

Year Annual Change HPI Index
2016 -0.2% 135
2017 +3.6% 139
2019 – 168
2020 -3.8% 161
2021 +10.4% 178

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2021. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 21 business establishments in ZIP 40022, employing approximately 195 people with a combined annual payroll of $8,238,000.

21

Businesses

195

Employees

$8.2M

Annual Payroll

3

Industry Sectors

Industry Establishments % of Total
Construction 3 14.3%
Transportation and warehousing 3 14.3%
Professional, scientific, and technical services 3 14.3%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 40022 vs 40067 →

ZIP 40022 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 40022 ranks #6 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 40022 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 40022 ranks #4 of 6 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
40067 Simpsonville, KY 5,114 5.2 mi
40023 Fisherville, KY 4,118 5.1 mi
40071 Taylorsville, KY 14,292 7.6 mi
40065 Shelbyville, KY 28,025 8.3 mi
40245 Louisville, KY 30,109 10.1 mi

More ZIP Codes in Shelby County

40065 standard
Shelbyville, KY
Pop: 28,025
40067 standard
Simpsonville, KY
Pop: 5,114
40076 standard
Waddy, KY
Pop: 2,516
40003 standard
Bagdad, KY
Pop: 1,902

Related Areas

Shelby County Finchville, KY Kentucky

Frequently Asked Questions

What county is ZIP code 40022 in? ▼
ZIP code 40022 (Finchville) is located in Shelby County, Kentucky. Shelby County contains multiple ZIP codes, see the full list at /counties/shelby-ky.
What is the population of ZIP code 40022? ▼
ZIP code 40022 in Finchville, KY has a population of 834 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40022? ▼
The median household income in ZIP 40022 is $98,333, which is 29% above the national average of $76,288.
What is the average home value in ZIP 40022? ▼
The median home value in ZIP 40022 is $576,800, which is 107% above the national average of $278,155.
What is the demographic makeup of ZIP 40022? ▼
The largest racial group in ZIP 40022 is White at 81.0%. Hispanic or Latino residents make up 14.7% of the population.
How many businesses are in ZIP code 40022? ▼
ZIP code 40022 has 21 business establishments employing approximately 195 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 40022? ▼
The top industries by establishment count in ZIP 40022 are: Construction (3), Transportation and warehousing (3), Professional, scientific, and technical services (3). There are 3 industry sectors represented in total.
How have home values changed in ZIP code 40022? ▼
According to the FHFA House Price Index, home values in ZIP 40022 increased by 10.4% in 2021. Since 2000, home values in this ZIP have appreciated by approximately 78%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 40022? ▼
In ZIP code 40022, 67.0% of residents aged 25+ have a high school diploma or higher, and 33.1% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 40022? ▼
In ZIP code 40022, approximately 86.5% of occupied housing units are owner-occupied and 13.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40022? ▼
The poverty rate in ZIP code 40022 is 5.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.