| ZIP Code | 40076 |
|---|---|
| City | Waddy |
| State | Kentucky (KY) |
| County | Shelby County |
| Area Code | 502 |
| Elevation | 844 ft |
| Latitude | 38.113729 |
|---|---|
| Longitude | -85.086124 |
| Timezone | New York (DST) |
| FIPS | 21211 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 37.2 yrs ↓ 13% since 2019 |
|---|---|
| Avg Household Size | 2.75 |
| Below Poverty | 3.6% ▼ 64% below avg |
| College Grads | 40.8% ≈ Avg |
| Unemployment | 3.2% ▼ 35% below avg |
| HS Graduate | 778 (41%) |
| Some College | 202 (10.6%) |
| Associates | 144 (7.6%) |
| Bachelors | 232 (12.2%) |
| Graduate Degree | 541 (28.5%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $84,754 ▲ 11% above avg ↑ 19% since 2019 |
|---|---|
| Median Home Value | $222,200 ▼ 20% below avg ↑ 27% since 2019 |
| Home/Income Ratio | 2.6x (nat avg ~3.5x) |
| Median Rent | $786/mo ↓ 26% since 2019 |
| Total Units | 1,106 |
| Vacant Units | 61 |
| Avg HH Size | 2.75 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 1,106 |
|---|---|
| Vacant | 61 |
| Owner Occupied | 80.9% |
| Renter Occupied | 19.1% |
| Avg HH Size | 2.75 |
ZIP code 40076 is located in Waddy, Kentucky, within Shelby County. With a population of 2,884, this is a sparsely populated ZIP code with a relatively young community — the median age is 37.2 years. Economically, 40076 is a middle-income ZIP code: the median household income of $84,754 is near the national average.
Real estate in ZIP code 40076 represents an affordable housing market. The median home value of $222,200 is below the national average. Renters can expect to pay around $786 per month in median rent. Homeownership is strong here — 80.9% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 27% since 2019.
The population of 40076 is primarily White (85.44%). Residents are well-educated — 40.8% hold a bachelor's degree or higher, which is near the national average. Poverty affects a relatively small share of residents at 3.6%. Household income has grown by 19% since 2019.
The unemployment rate in 40076 stands at 3.2%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 81%.
Overall, ZIP code 40076 in Waddy, KY is characterized as middle-income, well-educated, a relatively young community, and predominantly owner-occupied. With 2,884 residents, a median household income of $84,754, and a median home value of $222,200, it offers a clear picture of life in this part of Kentucky.