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 Moderate-density area
- $91,786
- Median income Above-median income area
- $259,100
- Median home value Near-median home value
- 22.5%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 40076 (Waddy, KY) rose +6.1% from 2023 to 2024. The all-transactions index moved from 259.2 in 2023 to 274.9 in 2024 (2000 = 100).
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 average Kentucky ZIP), while per-capita income is $34,911. Both reported hardship measures are comparatively low in absolute terms: poverty is 4.5% and unemployment is 2.8%. Housing is both higher-cost and owner-heavy: median home value is $259,100 (63% above the average Kentucky ZIP), while 73.2% of occupied homes are owner-occupied and median rent is $975.
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 -. The page also surfaces 3 ZIP codes within roughly 10 miles and 4 more in Shelby County, so 40076 can be compared with both its immediate and county-level context.
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.
- 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 + 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
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 ZIP avg
$34,911
Per Capita Income
4.5%
Poverty Rate
2.8%
Unemployment Rate
How ZIP 40076 ranks among Kentucky ZIPs
Waddy, KY household income vs. every Kentucky ZIP code
Median household income among 646 reporting Kentucky ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$91,786 Top 9% higher than 91% of 646 Kentucky ZIPs
Each bar is a $20K-wide band; taller bars hold more Kentucky 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
1,117housing units
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 ZIP avg
$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.
- 40065
Shelbyville (40065)
28,025 residents
- 40342
Lawrenceburg (40342)
21,125 residents
- 40076 2,516
Waddy (40076)
2,516 residents
- 40046 1,741
Mount Eden (40046)
1,741 residents
What this shows Among its immediate neighbors, ZIP 40076 ranks #3 by population - useful context the national average alone can't give.
ZIP 40076 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 40076
Waddy (40076)
$91,786 median income
- 40065
Shelbyville (40065)
$77,869 median income
- 40342
Lawrenceburg (40342)
$74,408 median income
- 40046
Mount Eden (40046)
$66,000 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 40076, both outside KY so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (2,516 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Shelby County
Related Areas
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.
Related
Take this with you
What to do with ZIP 40076's numbers, next.
- See how ZIP 40076 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Waddy, KY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.