ZIP Code 40076
standardSource:
Waddy · Shelby County · Kentucky
- Population
- 2,516
- Median income
- $91,786
- Median home value
- $259,100
- Bachelor's or higher
- 22.5%
- Land area
- 146.3 sq mi
17/sq mi
▲ 20% vs US
higher than 75% of US ZIPs
▼ 7% vs US
higher than 59% of US ZIPs
Median age 41.8
New York
ZIP code 40076 in Waddy, Kentucky has a population of 2,516. The median household income is $91,786, which is 20% above the national average. Median home value is $259,100, 7% below the US average. 22.5% of residents hold a bachelor's degree or higher.
ZIP code 40076 is classified by USPS as a standard delivery area and covers roughly 146.3 square miles in Waddy, Shelby County, Kentucky. The area is home to 2,516 residents, producing a population density of 17 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 40076 against Kentucky and the nation.
On the economic side, the median household income for ZIP 40076 sits at $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, a direct signal of whether 40076 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 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 is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 40076
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 40076.
- Construction
Construction
9 establishments
- Retail trade
Retail trade
6 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
6 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
6 establishments
- Other services (except public administration)
Other services (except public administration)
6 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
Who lives in ZIP 40076?
41.8
Median Age
48.0%
Male
52.0%
Female
3.0%
Foreign-Born
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
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
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
$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 →
More ZIP Codes in Shelby County
Related Areas
Frequently Asked Questions
What county is ZIP code 40076 in? ▼
What is the population of ZIP code 40076? ▼
What is the median household income in ZIP 40076? ▼
What is the average home value in ZIP 40076? ▼
What is the demographic makeup of ZIP 40076? ▼
How many businesses are in ZIP code 40076? ▼
What are the main industries in ZIP code 40076? ▼
How have home values changed in ZIP code 40076? ▼
What is the education level in ZIP code 40076? ▼
What percentage of residents own vs. rent in ZIP 40076? ▼
What is the poverty rate in ZIP code 40076? ▼
ZIP Code Research Guides
Official Data Resources for Waddy, KY
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.