PlainZIP

Shelbyville, KY · standard

ZIP Code 40065

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

28,025
61/sq mi
$77,869
Median income
$280,500
Median home value
30.1%
Bachelor's or higher

The verdict

Shelbyville pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 41%
household income, US ZIPs
Top 37%
home value, US ZIPs
61
people per sq mi
68%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40065 against every reporting US ZIP.

ZIP code 40065 is a densely settled ZIP (a standard USPS delivery area) in Shelbyville, Shelby County, Kentucky, with 28,025 residents across 457.2 square miles, a density of 61 people per square mile, in the New York time zone.

ZIP 40065 lands in the middle-income range, with a median household income of $77,869 (31% above the Kentucky average), while per-capita income is $37,156. Local economic indicators show a 11.6% poverty rate alongside 3.7% unemployment. Median home value sits at $280,500 (76% above the state average), median rent at $1,048 a month, and owner-occupancy at 68.3%.

A solid share of residents have a four-year degree: 30.1% of adults hold a bachelor's degree or higher, the median age is 39.5, and the average commute is 26 minutes. To put 40065 in local context, 2 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 40065

Top 5 sectors by establishment count in Shelbyville, KY

Which industries have the most business establishments in ZIP 40065.

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 40065, Shelbyville, 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

28,025

Population

457.2

Area (sq mi)

61

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 40065?

39.5

Median Age

49.8%

Male

50.2%

Female

8.2%

Foreign-Born

White 77.0%
African American 5.0%
Asian 1.1%
American Indian or Alaska Native 0.6%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 13.2%
Hispanic or Latino 13.7%

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?

$77,869

Median Household Income

+31% vs state

$37,156

Per Capita Income

11.6%

Poverty Rate

3.7%

Unemployment Rate

25.9 min

Mean Commute Time

How ZIP 40065 ranks nationally

Shelbyville, KY household income vs. every US ZIP code

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

$77,869 Top 41% higher than 59% 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%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 62.1%
Bachelor's Degree or Higher 30.1%

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

What does housing look like?

13,182

Total Housing Units

12,470

Occupied Units

712

Vacant Units

2.54

Avg Household Size

Occupancy Type

Owner 68.3%
Renter 31.7%

$280,500

Median Home Value

+76% vs state

$1,048

Median Rent

1991

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

+5.4%

YoY Change (2024)

221

HPI Index (2000 = 100)

+121%

Total Change Since 2000

Home values in ZIP 40065 have increased 5.4% over the past year (2024). Since 2000, this ZIP has seen +121% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.9% 152
2021 +11.8% 170
2022 +15.6% 197
2023 +6.7% 210
2024 +5.4% 221

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 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 721 business establishments in ZIP 40065, employing approximately 10,469 people with a combined annual payroll of $535,930,000.

721

Businesses

10,469

Employees

$535.9M

Annual Payroll

17

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 104 14.4%
Retail trade 96 13.3%
Other services (except public administration) 77 10.7%
Construction 69 9.6%
Professional, scientific, and technical services 68 9.4%
Accommodation and food services 63 8.7%
Finance and insurance 47 6.5%
Manufacturing 36 5.0%
Administrative and support and waste management and remediation services 34 4.7%
Real estate and rental and leasing 32 4.4%
Wholesale trade 27 3.7%
Information 17 2.4%
Transportation and warehousing 15 2.1%
Arts, entertainment, and recreation 10 1.4%
Educational services 9 1.3%
Agriculture, forestry, fishing and hunting 8 1.1%
Utilities 5 0.7%

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 40065 vs 40022 →

ZIP 40065 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 40065 ranks the most populous - useful context the national average alone can't give.

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

ZIP 40065 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 40065 ranks #3 of 3 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
40022 Finchville, KY 834 8.3 mi
40076 Waddy, KY 2,516 9.6 mi

More ZIP Codes in Shelby County

40067 standard
Simpsonville, KY
Pop: 5,114
40076 standard
Waddy, KY
Pop: 2,516
40003 standard
Bagdad, KY
Pop: 1,902
40022 standard
Finchville, KY
Pop: 834

Related Areas

Shelby County Shelbyville, KY Kentucky

Frequently Asked Questions

What county is ZIP code 40065 in? ▼
ZIP code 40065 (Shelbyville) 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 40065? ▼
ZIP code 40065 in Shelbyville, KY has a population of 28,025 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40065? ▼
The median household income in ZIP 40065 is $77,869, which is 2% above the national average of $76,288.
What is the average home value in ZIP 40065? ▼
The median home value in ZIP 40065 is $280,500, which is 1% above the national average of $278,155.
What is the demographic makeup of ZIP 40065? ▼
The largest racial group in ZIP 40065 is White at 77.0%. Hispanic or Latino residents make up 13.7% of the population.
How many businesses are in ZIP code 40065? ▼
ZIP code 40065 has 721 business establishments employing approximately 10,469 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 40065? ▼
The top industries by establishment count in ZIP 40065 are: Health care and social assistance (104), Retail trade (96), Other services (except public administration) (77). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 40065? ▼
According to the FHFA House Price Index, home values in ZIP 40065 increased by 5.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 121%. 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 40065? ▼
In ZIP code 40065, 62.1% of residents aged 25+ have a high school diploma or higher, and 30.1% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 40065? ▼
The mean commute time for workers in ZIP code 40065 is 25.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 40065? ▼
In ZIP code 40065, approximately 68.3% of occupied housing units are owner-occupied and 31.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40065? ▼
The poverty rate in ZIP code 40065 is 11.6% 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.