PlainZIP

Waddy, KY · standard

ZIP Code 40076

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

2,516
17/sq mi
$91,786
Median income
$259,100
Median home value
22.5%
Bachelor's or higher

The verdict

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

Top 25%
household income, US ZIPs
Top 41%
home value, US ZIPs
17
people per sq mi
73%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 40076 against every reporting US ZIP.

ZIP code 40076 covers 146.3 square miles in Waddy, Shelby County, Kentucky (a standard USPS delivery area), with a modest 2,516 residents on file, a density of 17 people per square mile, in the New York time zone.

ZIP 40076 lands in the middle-income range, with a median household income of $91,786 (54% above the Kentucky average), while per-capita income is $34,911. The poverty rate stands at 4.5% and the unemployment rate at 2.8%. On housing, the median home value is $259,100 (63% above the state average) with median rent at $975 per month, and 73.2% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 22.5% of adults hold a bachelor's degree or higher, the median age is 41.8, and the average commute is -. We also surface 3 nearby ZIP codes within roughly 10 miles and 4 additional ZIPs sharing Shelby County, so you can benchmark 40076 against its immediate geography rather than a national average alone.

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 40076

Top 5 sectors by establishment count in Waddy, KY

Which industries have the most business establishments in ZIP 40076.

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 40076, Waddy, 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

2,516

Population

146.3

Area (sq mi)

17

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 40076?

41.8

Median Age

48.0%

Male

52.0%

Female

3.0%

Foreign-Born

White 85.2%
African American 0.2%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 10.8%
Hispanic or Latino 10.3%

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?

$91,786

Median Household Income

+54% vs state

$34,911

Per Capita Income

4.5%

Poverty Rate

2.8%

Unemployment Rate

How ZIP 40076 ranks nationally

Waddy, KY household income vs. every US ZIP code

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

$91,786 Top 25% higher than 75% 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 67.3%
Bachelor's Degree or Higher 22.5%

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

What does housing look like?

1,117

Total Housing Units

1,064

Occupied Units

53

Vacant Units

2.72

Avg Household Size

Occupancy Type

Owner 73.2%
Renter 26.8%

$259,100

Median Home Value

+63% vs state

$975

Median Rent

1990

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

+6.1%

YoY Change (2024)

275

HPI Index (2000 = 100)

+175%

Total Change Since 2000

Home values in ZIP 40076 have increased 6.1% over the past year (2024). Since 2000, this ZIP has seen +175% cumulative appreciation.

Year Annual Change HPI Index
2020 +6.8% 195
2021 +11.8% 218
2022 +12.3% 245
2023 +5.8% 259
2024 +6.1% 275

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 44 business establishments in ZIP 40076, employing approximately 1,939 people with a combined annual payroll of $81,606,000.

44

Businesses

1,939

Employees

$81.6M

Annual Payroll

6

Industry Sectors

Industry Establishments % of Total
Construction 9 20.4%
Retail trade 6 13.6%
Professional, scientific, and technical services 6 13.6%
Administrative and support and waste management and remediation services 6 13.6%
Other services (except public administration) 6 13.6%
Transportation and warehousing 4 9.1%

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 40076 vs 40046 →

ZIP 40076 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 40076 ranks #3 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 40076 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 40076 ranks the highest of 4 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
40046 Mount Eden, KY 1,741 7.8 mi
40342 Lawrenceburg, KY 21,125 9.4 mi
40065 Shelbyville, KY 28,025 9.6 mi

More ZIP Codes in Shelby County

40065 standard
Shelbyville, KY
Pop: 28,025
40067 standard
Simpsonville, KY
Pop: 5,114
40003 standard
Bagdad, KY
Pop: 1,902
40022 standard
Finchville, KY
Pop: 834

Related Areas

Shelby County Waddy, KY Kentucky

Frequently Asked Questions

What county is ZIP code 40076 in? ▼
ZIP code 40076 (Waddy) 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 40076? ▼
ZIP code 40076 in Waddy, KY has a population of 2,516 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 40076? ▼
The median household income in ZIP 40076 is $91,786, which is 20% above the national average of $76,288.
What is the average home value in ZIP 40076? ▼
The median home value in ZIP 40076 is $259,100, which is 7% below the national average of $278,155.
What is the demographic makeup of ZIP 40076? ▼
The largest racial group in ZIP 40076 is White at 85.2%. Hispanic or Latino residents make up 10.3% of the population.
How many businesses are in ZIP code 40076? ▼
ZIP code 40076 has 44 business establishments employing approximately 1,939 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 40076? ▼
The top industries by establishment count in ZIP 40076 are: Construction (9), Retail trade (6), Professional, scientific, and technical services (6). There are 6 industry sectors represented in total.
How have home values changed in ZIP code 40076? ▼
According to the FHFA House Price Index, home values in ZIP 40076 increased by 6.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 175%. 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 40076? ▼
In ZIP code 40076, 67.3% of residents aged 25+ have a high school diploma or higher, and 22.5% 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 40076? ▼
In ZIP code 40076, approximately 73.2% of occupied housing units are owner-occupied and 26.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 40076? ▼
The poverty rate in ZIP code 40076 is 4.5% 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.