Population & age
- Total population
- 31,439
- Median age
- 40.4
Shelbyville, KY (40065)
Shelby County · Louisville/Jefferson County, KY-IN · Population 31,439
Fresh.Data current as of Apr 24, 2026
Shelbyville, KY (ZIP 40065) sits in Shelby County within the Louisville/Jefferson County metro area. The page draws on 2 federal data feeds retrieved Apr 27. Health-survey coverage is limited for this ZIP. NCES lists 12 schools serving the area, 12 non-charter. IRS data shows average household income (AGI) of $73,914, well above the ~$45K national average per return. FEMA has issued 32 federal disaster declarations affecting this ZIP since 1974 — a high-frequency exposure profile. Fast-food restaurants outnumber grocery stores roughly 8-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. New residents arriving here predominantly come from Jefferson County, KY (IRS SOI Migration, 2022-2023). Schools are the headline here — lots of options at varying types — while healthcare access numbers suggest worth-shopping coverage and provider choice carefully. Notable: median household income $76,617, fair market rent of $1,150 for a two-bedroom, and a typical home value of $306,308, down 0.3% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
Demographics
Race & ethnicity
- White
- 79.3%
- Black
- 6.6%
- Asian
- 1.5%
- Hispanic / Latino
- 12.2%
- Other / multi-racial
- 12.4%
Income & housing
- Median household income
- $76,617
- Median home value
- $234,300
Education
- Bachelor's degree or higher (age 25+)
- 26.4%
Employment
- Unemployment rate
- 2.6%
Housing
- Owner-occupied
- 8,141(67.9%)
- Renter-occupied
- 3,842(32.1%)
- Vacant units
- 920
- Built (median)
- 1989
Commute
- Public transit
- 37(0.2%)
- Work from home
- 1,642(10.0%)
- Avg commute
- 22.6 min
Economic wellbeing
- Below poverty line
- 2,296(7.4%)
- Uninsured
- 426(1.4%)
Digital access
- Broadband access
- 10,969(91.5%)
- No broadband
- 1,014(8.5%)
Language & nativity
- Foreign-born
- 2,458(7.8%)
- Non-English at home
- 3,867(13.1%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$960
/month
1 Bed
$1,030
/month
2 Bed
$1,150
/month
3 Bed
$1,430
/month
4 Bed
$1,710
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$306,308
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
-0.3%
vs. March 2025
5-year change
+24.3%
vs. March 2021
Metro area
Louisville/Jefferson County, KY-IN
Metropolitan statistical area
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing construction
New housing units permitted
363
Across 363 permitted buildings. Total construction value: $125.3M.
Single-family
363
100% of total units
Multifamily (2+ unit)
0
0% of total units
Single-family value
$125.3M
construction value
Multifamily value
$0
construction value
Aggregated from 2 counties touching this ZIP (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Income & tax statistics
Tax returns filed
15,060
Average AGI
$73,914
Avg property tax
$223
EITC participation
14.3%
Income distribution
- $1 – $25,00026.5% · 3,990
- $25,000 – $50,00025.4% · 3,830
- $50,000 – $75,00015.5% · 2,330
- $75,000 – $100,00010.4% · 1,570
- $100,000 – $200,00017.7% · 2,670
- $200,000 or more4.4% · 670
Avg mortgage interest
$435
Avg charitable contribution
$876
Avg capital gains
$3,510
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $1113.1M across all reported brackets.
Business & employment
Business establishments
705
Total employment
12,450
Annual payroll
$597.5M
Average annual pay
$47,990
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$55,073
Average weekly wage
$1,059
Total employment
16,556
Total establishments
1,594
That is roughly 16% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
4.1%
That tracks the US national unemployment rate of about 4.0%.
Labor force
25,819
Employed
24,748
Unemployed
1,071
Based on Shelby County, KY data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Banking access
FDIC-insured bank branches
15
Strong banking access
Multiple institutions and offices within easy reach of residents.
Total deposits
$970.9M
across all branches in this ZIP
Distinct institutions
9
different banks operating here
Top banks by deposits in this ZIP
- 1.German American Bank$241.5M · 4 branches
- 2.Stock Yards Bank & Trust Company$167.6M · 3 branches
- 3.Traditional Bank, Inc.$125.2M · 2 branches
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
Alternative-fuel stations
Public EV charging stations
0
No public EV charging in this ZIP
EV drivers will need to rely on home charging or stations in neighboring ZIPs. Other alternative-fuel options may still be available locally.
Other
1
Biodiesel, E85, LNG, RD
Active public stations only. Snapshot taken 2026; AFDC's underlying registry refreshes continuously as stations open and close.
Source: U.S. Department of Energy via NREL (afdc.energy.gov). Per-ZIP counts of active public alternative-fuel stations (electric, hydrogen, propane, CNG, biodiesel, E85, LNG, renewable diesel) and EV charging-port totals.
Public libraries
Public-library outlets
2
Multiple library outlets
Several public-library outlets within the ZIP, giving residents real choice in branch hours, programming, and walk-in distance.
Buildings
1
1 central
Avg hours / week
36.3
across outlets in this ZIP
Avg square feet
31,000
per outlet
Outlets in this ZIP
- 1.Shelby County Public Library
- 2.Shelby - Bookmobile
Includes 1 bookmobile — service location varies; check the system's schedule.
Public libraries provide free WiFi, computer access, children's programming, job-seeking resources, and meeting space — community infrastructure beyond books. FY2023 outlet inventory from the federal Public Libraries Survey.
Source: Institute of Museum and Library Services (imls.gov). Per-ZIP counts of active public-library outlets — central buildings, branches, and bookmobiles — operated by federally reporting library systems.
Social Vulnerability Index
Overall SVI
44th percentile
Moderate Vulnerability
Based on 13 census tracts, population 31,468
Vulnerability Themes
- Socioeconomic Status44th percentile
- Household Characteristics54th percentile
- Racial & Ethnic Minority Status38th percentile
- Housing Type & Transportation43rd percentile
Households Without Vehicle
346
Limited English Speakers
887
Persons with Disability
3,753
Without HS Diploma
3,085
Without Health Insurance
2,393
Adults Age 65+
5,177
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.
Federal Disaster Declarations
Federally Declared Disasters
32
Date Range
1974–2026
Most Recent Declaration
SEVERE WINTER STORM
Winter Storm — declared January 24, 2026 (DR-3633)
Incident period: January 23, 2026 – January 27, 2026
Top Incident Types
- Severe Storm17 (53%)
- Tornado4 (13%)
- Flood3 (9%)
- Biological2 (6%)
- Severe Ice Storm2 (6%)
- Other4 (13%)
Individual Assistance
5
Direct help to disaster survivors
Households Program
3
Housing & temporary lodging support
Public Assistance
31
Repair of public facilities & roads
Hazard Mitigation
19
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Community health profile
Years of potential life lost (per 100K)
8,676
That is roughly 476 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
18%
of adults self-report
Poor physical health days
4.3
avg per adult per month
Poor mental health days
5.0
avg per adult per month
Uninsured
7.0%
of residents under 65
Primary care MDs
35
per 100,000 residents
Preventable hospital stays
2,771
per 100K Medicare enrollees
Food environment (0-10)
9.0
10 = best access & security
Exercise access
70%
residents near a facility
Flu vaccinated
50%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.2% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Shelby data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Good food access — most residents near a store
0.7% of Shelby County, KY residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.08
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
0.71
accepting food benefits
Fast-food restaurants
0.65
per 1,000 residents
Per-1,000 figures show how many of each store type exist in Shelby County, KY for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Who’s moving in and out
Net migration (2022-2023)
▲+295 people
+131 households • +$33.3M net AGI flow
Moved in
1,740households
3,182 people • $136.1M AGI
Moved out
1,609households
2,887 people • $102.8M AGI
Where new residents came from
- Jefferson County, KY — 564 households
- Henry County, KY — 74 households
- Spencer County, KY — 73 households
- Franklin County, KY — 66 households
- Oldham County, KY — 63 households
Where departing residents went
- Jefferson County, KY — 391 households
- Henry County, KY — 86 households
- Franklin County, KY — 85 households
- Spencer County, KY — 64 households
- Oldham County, KY — 45 households
Incoming households reported an average AGI of $78,222 versus departing households' $63,864.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Data sources used on this page
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
All Teeth Lost
16.8%
No national benchmark available.
Short Sleep Duration
39.3%
No national benchmark available.
Colorectal Cancer Screening
66.0%
No national benchmark available.
Dental Visit
60.5%
No national benchmark available.
Mammography
75.4%
No national benchmark available.
Schools in this ZIP
12 schools serve this ZIP, including 12 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| Martha Layne Collins High School | Public | 9–12 | 1,230 |
| Shelby County High School | Public | 9–12 | 982 |
| Marnel C. Moorman School | Public | 0–8 | 714 |
| Shelby County West Middle School | Public | 6–8 | 650 |
| Shelby County East Middle School | Public | 6–8 | 577 |
Showing top 5 by enrollment. 7 more schools serve this ZIP.
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 27, 2026What these numbers say together
Shelbyville, KY (ZIP 40065) sits in Shelby County within the Louisville/Jefferson County metro area. The page draws on 2 federal data feeds retrieved Apr 27. Health-survey coverage is limited for this ZIP. NCES lists 12 schools serving the area, 12 non-charter. IRS data shows average household income (AGI) of $73,914, well above the ~$45K national average per return. FEMA has issued 32 federal disaster declarations affecting this ZIP since 1974 — a high-frequency exposure profile. Fast-food restaurants outnumber grocery stores roughly 8-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. New residents arriving here predominantly come from Jefferson County, KY (IRS SOI Migration, 2022-2023). Schools are the headline here — lots of options at varying types — while healthcare access numbers suggest worth-shopping coverage and provider choice carefully. Notable: median household income $76,617, fair market rent of $1,150 for a two-bedroom, and a typical home value of $306,308, down 0.3% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
These readings invert. Education density is the headline; healthcare access numbers suggest provider choice and coverage are worth shopping carefully. The two domains don’t move together at the ZIP level — both deserve their own due diligence rather than a single judgment.
Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 40065
How many schools are in ZIP 40065?
12 schools serve this ZIP, including 12 public schools (NCES CCD, retrieved Apr 27, 2026). No charter schools are listed in this ZIP by NCES CCD.
Does ZIP 40065 have charter schools?
No charter schools are listed in ZIP 40065 by NCES CCD (retrieved Apr 27, 2026).
Are there high schools in ZIP 40065?
Yes, 4 high schools serve this ZIP: Martha Layne Collins High School, Shelby County High School, Ascension Academy, and 1 more. (NCES CCD, retrieved Apr 27, 2026).
What is the population of ZIP 40065?
31,439 people live in ZIP 40065, with a median age of 40.4 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 40065?
$76,617 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 40065 mostly renters or homeowners?
In ZIP 40065, 67.9% of occupied housing units are owner-occupied and 32.1% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 40065?
In ZIP 40065, 10.0% of workers work from home. Public transit is used by 0.2% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 40065?
7.4% of the population in ZIP 40065 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 40065 have broadband internet?
91.5% of households in ZIP 40065 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 40065?
The typical home value in ZIP 40065 is $306,308, down 0.3% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 40065?
Home values are down 0.3% over the past year and up 24.3% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 40065?
The average Adjusted Gross Income reported on tax returns from ZIP 40065 (Shelbyville, KY) is $73,914 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 40065?
Tax returns from ZIP 40065 report an average of $223 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 40065 earn over $200,000?
4.4% of tax returns from ZIP 40065 (Shelbyville, KY) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How many businesses are in ZIP 40065?
As of 2022, 705 business establishments operated in ZIP 40065 employing 12,450 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 40065?
The average annual pay across all local establishments in ZIP 40065 is $47,990, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 40065 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 40065 ranks in the 44th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 40065?
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 40065, ranking in the 54th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 40065 experienced?
FEMA has recorded 32 federal disaster declarations affecting ZIP 40065 between 1974–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 40065?
Severe Storm is the most common federally declared disaster type affecting ZIP 40065, accounting for 17 of 32 declarations (53%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 40065?
The most recent FEMA disaster declaration affecting ZIP 40065 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-3633) (FEMA OpenFEMA, retrieved May 3, 2026).
What data is available for ZIP 40065?
This page covers health outcomes from CDC PLACES (5 metrics), school information from NCES CCD (12 schools), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), and federal disaster declarations from FEMA OpenFEMA (32 on record). Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. School data retrieved Apr 27, 2026 from NCES CCD. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (32 on record).
More Info topics
Nearby ZIPs: more ZIP code profiles launching Q3 2026.
Have a specific question about ZIP 40065?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.