Zip code 40076: Waddy, Kentucky

Q: What city is zip code 40076?

40076 is assigned to Waddy, Kentucky. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 40076 in?

40076 is mostly in Shelby County, but it extends into 3 other counties.

Q: What is the population of 40076?

About 2,898 people live in 40076, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 40076?

The median household income in 40076 is $91,786.

Q: What zip codes are near 40076?

The closest zip codes to 40076 are 40046, 40066, 40065, 40342, 40003.

Residential delivery areaShelby CountyEastern Time

Population

2,898

Median household income

$92K

U.S. $81K

Median home value

$259K

U.S. $333K

Median rent

$975/mo

U.S. $1,413

Median age

41.8

U.S. 38.9

Land area

57 sq mi

51 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 40076

40076 is a small-town zip code in Waddy, Kentucky (Shelby County), covering 57 sq mi of land. About 2,898 people live here, or 51 per square mile. The median resident is 41.8 years old, compared with 38.9 nationally.

The median household earns $91,786 a year, close to the national median of $80,734. 4.5% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $259,100, or 2.8 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 73% of occupied homes are lived in by their owners, and renters pay a median of $975 a month.

23% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 31.1 minutes each way, and 9% of workers work from home. The most common jobs among working residents are in transportation and moving goods; office and administrative support; and cleaning and personal care.

How 40076 compares

Sorted from highest to lowest national percentile

Government workers23.3%
92nd
U.S. 14.5% · KY 14.6%135th of 719 in KY
Residents under 1826.7%
85th
U.S. 22% · KY 22.6%156th of 724 in KY
Average commute31.1 min
79th
U.S. 26.4 min · KY 24 min177th of 624 in KY
Median age41.8
70th
U.S. 38.9 · KY 39.1357th of 724 in KY
Median household income$91,786
64th
U.S. $80,734 · KY $63,72657th of 641 in KY
Homeownership rate73.2%
62nd
U.S. 65.2% · KY 68.3%467th of 719 in KY
Residents 65 and older18.2%
62nd
U.S. 17.2% · KY 17.3%362nd of 724 in KY
Uninsured rate6.6%
48th
U.S. 8.4% · KY 6%233rd of 723 in KY
Median earnings per worker$47,544
48th
U.S. $49,666 · KY $43,552171st of 700 in KY
Median home value$259,100
35th
U.S. $332,700 · KY $205,60072nd of 642 in KY
Veterans4.7%
35th
U.S. 6.2% · KY 6.5%473rd of 724 in KY
Per capita income$34,911
34th
U.S. $44,673 · KY $35,821175th of 722 in KY
Self-employed workers8%
33rd
U.S. 10% · KY 8.6%359th of 719 in KY
Housing vacancy4.7%
30th
U.S. 10.1% · KY 10.3%606th of 719 in KY
Work from home8.9%
28th
U.S. 15.1% · KY 10.2%244th of 719 in KY
Bachelor's degree or higher22.5%
27th
U.S. 35.7% · KY 27.6%192nd of 723 in KY
Broadband access88.1%
24th
U.S. 91% · KY 88.6%307th of 719 in KY
Median gross rent$975
19th
U.S. $1,413 · KY $967107th of 467 in KY
Diversity index26.1
19th
U.S. 61.4 · KY 32.5150th of 724 in KY
Foreign-born residents3%
18th
U.S. 14.1% · KY 4.7%141st of 724 in KY
Unemployment rate2.8%
14th
StrengthU.S. 5.2% · KY 4.9%439th of 719 in KY
Poverty rate4.5%
9th
StrengthU.S. 12.5% · KY 16.1%668th of 722 in KY
Tech workers0.7%
8th
U.S. 3.8% · KY 2.2%292nd of 719 in KY
Population density51/sq mi
7th
U.S. 95/sq mi · KY 115/sq mi402nd of 724 in KY
Income inequality (Gini)0.372
7th
StrengthU.S. 0.483 · KY 0.477556th of 715 in KY
Population2,898
5th
U.S. 334,922,499 · KY 4,534,824268th of 724 in KY
Rent-burdened renters23.8%
3rd
StrengthU.S. 51.1% · KY 45.4%483rd of 634 in KY
Healthcare workers4.8%
3rd
U.S. 9.7% · KY 10.5%558th of 719 in KY

Measure	40076	Shelby	KY	U.S.	National percentile	Rank in KY
Government workers	23.3%	13.9%	14.6%	14.5%	92nd	135th of 719
Residents under 18	26.7%	22.2%	22.6%	22%	85th	156th of 724
Average commute	31.1 min	27.2 min	24 min	26.4 min	79th	177th of 624
Median age	41.8	40.9	39.1	38.9	70th	357th of 724
Median household income	$91,786	$82,604	$63,726	$80,734	64th	57th of 641
Homeownership rate	73.2%	73.9%	68.3%	65.2%	62nd	467th of 719
Residents 65 and older	18.2%	16.7%	17.3%	17.2%	62nd	362nd of 724
Uninsured rate	6.6%	5.5%	6%	8.4%	48th	233rd of 723
Median earnings per worker	$47,544	$47,650	$43,552	$49,666	48th	171st of 700
Median home value	$259,100	$304,800	$205,600	$332,700	35th	72nd of 642
Veterans	4.7%	7%	6.5%	6.2%	35th	473rd of 724
Per capita income	$34,911	$39,890	$35,821	$44,673	34th	175th of 722
Self-employed workers	8%	10.5%	8.6%	10%	33rd	359th of 719
Housing vacancy	4.7%	5.4%	10.3%	10.1%	30th	606th of 719
Work from home	8.9%	12.6%	10.2%	15.1%	28th	244th of 719
Bachelor's degree or higher	22.5%	32.8%	27.6%	35.7%	27th	192nd of 723
Broadband access	88.1%	91.6%	88.6%	91%	24th	307th of 719
Median gross rent	$975	$1,033	$967	$1,413	19th	107th of 467
Diversity index	26.1	38	32.5	61.4	19th	150th of 724
Foreign-born residents	3%	6.6%	4.7%	14.1%	18th	141st of 724
Unemployment rateStrength	2.8%	4.2%	4.9%	5.2%	14th	439th of 719
Poverty rateStrength	4.5%	9.7%	16.1%	12.5%	9th	668th of 722
Tech workers	0.7%	2.7%	2.2%	3.8%	8th	292nd of 719
Population density	51/sq mi	129/sq mi	115/sq mi	95/sq mi	7th	402nd of 724
Income inequality (Gini)Strength	0.372	0.437	0.477	0.483	7th	556th of 715
Population	2,898	49,096	4,534,824	334,922,499	5th	268th of 724
Rent-burdened rentersStrength	23.8%	39.4%	45.4%	51.1%	3rd	483rd of 634
Healthcare workers	4.8%	8.5%	10.5%	9.7%	3rd	558th of 719

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

17%

5–17

18–24

10%

25–34

13%

35–44

10%

45–54

17%

55–64

11%

65–74

75+

Median age

41.8

Under 18

26.7%

65 and over

18.2%

Race and ethnicity

White85%
Black0.2%
Hispanic10%
Asian0%
Native American0%
Pacific Islander0%
Other0%
Multiracial4%

Diversity index

26.1

U.S. 61.4

Foreign-born

U.S. 14.1%

Born in state

70.2%

Language spoken at home (households)

English only

90%

Spanish

10%

Other Indo-European

Asian / Pacific

Other

Households

Households: 1,064
Average household size: 2.7
Family households: 68.1%
Married couples: 56.2%
Living alone: 23.5%
Veterans (of adults): 4.7%
Male / female: 48% / 52%

Income and poverty

Household income distribution

<$25k

14%

$25–50k

12%

$50–75k

16%

$75–100k

16%

$100–150k

27%

$150–200k

$200k+

Median household income

40076

$91,786

Shelby Co.

$82,604

Kentucky

$63,726

United States

$80,734

Per capita income

$34,911

U.S. $44,673

Poverty rate

4.5%

U.S. 12.5%

Households earning $150K+

14.9%

U.S. 23%

Income inequality (Gini)

0.372

U.S. 0.483

Housing

Median home value

40076

$259,100

Shelby Co.

$304,800

Kentucky

$205,600

United States

$332,700

Median gross rent

40076

$975

Shelby Co.

$1,033

Kentucky

$967

United States

$1,413

Types of housing

Single-family

76%

2–4 units

5–19 units

20+ units

Mobile home

14%

Boat, RV, van

Housing units: 1,117
Owner-occupied: 73.2%
Vacant: 4.7%
Median year built: 1990
Median rooms: 6
Renters paying 30%+ of income: 23.8%
Renters paying 50%+ of income: 18%
Home value to income: 2.8× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

83%

Carpooled

Transit

Walked

Bicycle

Worked from home

Other

Commute time (one way)

<10 min

10–19

22%

20–29

28%

30–44

26%

45–59

12%

60+

10%

Average commute

31.1 min

U.S. 26.4 min

Unemployment

2.8%

U.S. 5.2%

In labor force

56.6%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Transportation and moving

14%

Office and admin

13%

Cleaning and personal care

12%

Construction and repair

12%

Business and finance

11%

Sales

Production

Healthcare

Management

Education

Police and fire

Legal and social services

Farming, fishing and forestry

Arts, media and sports

Engineering and science

0.9%

Computer and math

0.7%

Food service

0.7%

Industries

Retail

15%

Manufacturing

13%

Public administration

13%

Education

11%

Health care and social assistance

10%

Construction

Finance, insurance and real estate

Transportation, warehousing and utilities

Admin, support and management

Professional and technical services

Other services

Agriculture and mining

Restaurants and hotels

Information

0.9%

Wholesale

0.5%

Arts and recreation

Median earnings per worker

$47,544

U.S. $49,666

Self-employed

U.S. 10%

Government workers

23.3%

U.S. 14.5%

Nonprofit workers

0.8%

U.S. 8.8%

Median earnings by type of work

Type of work	40076	U.S.
Management, business, science and arts	$54,800	$74,888
Service	$43,245	$26,804
Sales and office	$48,368	$40,476
Construction and maintenance	$29,539	$49,199
Production and transportation	$51,923	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

45%

Some college

14%

Associate's

12%

Bachelor's

15%

Graduate

High school graduate or higher: 93%
Bachelor's degree or higher: 22.5%
Graduate or professional degree: 7.2%
Households with broadband: 88.1%
Cable, fiber or DSL: 52.6%
No internet access: 11.1%
Without health insurance: 6.6%
Limited-English households: 0%

Geography

City (USPS): Waddy
State: Kentucky
County: Shelby County
Center point: 38.1137° N, 85.0861° W
Land area: 57 sq mi
Water area: 0.5 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

40076 spans 4 counties

Shelby County87% of land
Anderson County9% of land
Franklin County4% of land
Spencer County1% of land

Zip codes near 40076

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
40046	Mount Eden, KY	7.7 mi	1,122	$66,000	$221,000
40066	Shelbyville, KY · PO box	9 mi	—	—	—
40065	Shelbyville, KY	9.5 mi	32,160	$77,869	$280,500
40342	Lawrenceburg, KY	9.9 mi	23,963	$74,408	$224,500
40003	Bagdad, KY	12 mi	1,807	$97,681	$344,900
40621	Frankfort, KY · PO box	13 mi	—	—	—
40622	Frankfort, KY · PO box	13 mi	—	—	—
40022	Finchville, KY	14 mi	903	$98,333	$576,800
40602	Frankfort, KY · PO box	14 mi	—	—	—
40603	Frankfort, KY · PO box	14 mi	—	—	—
40604	Frankfort, KY · PO box	14 mi	—	—	—
40618	Frankfort, KY · PO box	14 mi	—	—	—

Zip codes like 40076 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 40076

What city is zip code 40076?

40076 is assigned to Waddy, Kentucky. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 40076 in?

40076 is mostly in Shelby County, but it extends into 3 other counties.

What is the population of 40076?

About 2,898 people live in 40076, according to the Census Bureau's American Community Survey.

What time zone is 40076 in?

40076 is in Eastern Time.

What is the median household income in 40076?

The median household income in 40076 is $91,786.

What zip codes are near 40076?

The closest zip codes to 40076 are 40046, 40066, 40065, 40342, 40003.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 40076, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.