Population & age
- Total population
- 38,074
- Median age
- 42.1
Shepherdsville, KY (40165)
Bullitt County · Louisville/Jefferson County, KY-IN · Population 38,074
Fresh.Data current as of Apr 24, 2026
Shepherdsville, KY (ZIP 40165) sits in Bullitt 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 13 schools serving the area, 13 non-charter. IRS data shows average household income (AGI) of $70,064, well above the ~$45K national average per return. BLS QCEW reports average annual pay of $52,323 per worker, roughly 20% below the US average. FEMA has issued 27 federal disaster declarations affecting this ZIP since 1970 — a high-frequency exposure profile. Only 4.9% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. Per USDA's Food Environment Atlas, 45.3% of residents in this county live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket — a deep food-access gap. IRS migration data (2022-2023) shows a net gain of 818 residents (414 households) — the ZIP's primary county is growing. 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 $73,712, fair market rent of $1,160 for a two-bedroom, and a typical home value of $299,138, up 0.2% 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
- 94.1%
- Black
- 2.0%
- Asian
- 0.3%
- Hispanic / Latino
- 1.6%
- Other / multi-racial
- 3.6%
Income & housing
- Median household income
- $73,712
- Median home value
- $223,500
Education
- Bachelor's degree or higher (age 25+)
- 16.1%
Employment
- Unemployment rate
- 4.4%
Housing
- Owner-occupied
- 11,442(80.0%)
- Renter-occupied
- 2,863(20.0%)
- Vacant units
- 1,116
- Built (median)
- 1992
Commute
- Public transit
- 3(0.0%)
- Work from home
- 1,269(6.9%)
- Avg commute
- 24.0 min
Economic wellbeing
- Below poverty line
- 5,098(13.5%)
- Uninsured
- 61(0.2%)
Digital access
- Broadband access
- 12,728(89.0%)
- No broadband
- 1,577(11.0%)
Language & nativity
- Foreign-born
- 753(2.0%)
- Non-English at home
- 875(2.4%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$880
/month
1 Bed
$950
/month
2 Bed
$1,160
/month
3 Bed
$1,480
/month
4 Bed
$1,720
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$299,138
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
+0.2%
vs. March 2025
5-year change
+20.9%
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
380
Across 347 permitted buildings. Total construction value: $113.6M.
Single-family
320
84% of total units
Multifamily (2+ unit)
60
16% of total units
Single-family value
$105.2M
construction value
Multifamily value
$8.4M
construction value
Based on county-level data (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
17,400
Average AGI
$70,064
Avg property tax
$175
EITC participation
14.1%
Income distribution
- $1 – $25,00024.9% · 4,340
- $25,000 – $50,00025.6% · 4,460
- $50,000 – $75,00015.6% · 2,710
- $75,000 – $100,00011.3% · 1,970
- $100,000 – $200,00018.9% · 3,290
- $200,000 or more3.6% · 630
Avg mortgage interest
$401
Avg charitable contribution
$382
Avg capital gains
$1,869
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 $1219.1M across all reported brackets.
Business & employment
Business establishments
640
Total employment
15,111
Annual payroll
$660.7M
Average annual pay
$43,722
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
$52,323
Average weekly wage
$1,006
Total employment
29,786
Total establishments
1,788
That is roughly 20% 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
4.7%
That is 0.7 percentage points above the US national unemployment rate of about 4.0%.
Labor force
44,458
Employed
42,381
Unemployed
2,077
Based on Bullitt 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
8
Typical banking access
A standard suburban / mid-density branch count for this area.
Total deposits
$666.9M
across all branches in this ZIP
Distinct institutions
5
different banks operating here
Top banks by deposits in this ZIP
- 1.First Harrison Bank$231.3M · 3 branches
- 2.Stock Yards Bank & Trust Company$201.0M · 1 branch
- 3.WesBanco Bank, Inc.$111.1M · 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
5
Established EV charging
Multiple public charging stations across the ZIP — typical of mid-density suburban and small-urban areas with active EV adoption.
Level 2 ports
11
AC charging — workplace, retail, home
DC Fast ports
0
Highway-class fast charging
Charging networks
- ENVIROSPARK
- Non-Networked
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
1
Single library outlet
One public-library outlet serves this ZIP — typical of suburban and small-town areas. Card holders also have full access to the rest of the system's branches.
Buildings
1
1 central
Avg hours / week
64
across outlets in this ZIP
Avg square feet
45,000
per outlet
Outlets in this ZIP
- 1.Ridgway Memorial Library
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
32nd percentile
Moderate Vulnerability
Based on 16 census tracts, population 39,359
Vulnerability Themes
- Socioeconomic Status34th percentile
- Household Characteristics44th percentile
- Racial & Ethnic Minority Status10th percentile
- Housing Type & Transportation39th percentile
Households Without Vehicle
749
Limited English Speakers
183
Persons with Disability
6,395
Without HS Diploma
2,932
Without Health Insurance
887
Adults Age 65+
6,227
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
27
Date Range
1970–2026
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 Storm10 (37%)
- Flood7 (26%)
- Tornado3 (11%)
- Biological2 (7%)
- Severe Ice Storm2 (7%)
- Other3 (11%)
Individual Assistance
9
Direct help to disaster survivors
Households Program
4
Housing & temporary lodging support
Public Assistance
25
Repair of public facilities & roads
Hazard Mitigation
12
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.
Air quality
Median daily AQI
43
GoodGood 201dModerate 42dUSG 1d
Peak AQI (2024)
105
Unhealthy for Sensitive Groups
Primary pollutant
Ozone
244 days as main pollutant
Days measured
244
Based on Bullitt County data (2024).
Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.
Community health profile
Years of potential life lost (per 100K)
10,263
That is roughly 2,063 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
20%
of adults self-report
Poor physical health days
4.6
avg per adult per month
Poor mental health days
5.2
avg per adult per month
Uninsured
4.9%
of residents under 65
Primary care MDs
18
per 100,000 residents
Preventable hospital stays
3,304
per 100K Medicare enrollees
Food environment (0-10)
7.7
10 = best access & security
Exercise access
71%
residents near a facility
Flu vaccinated
52%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 7.9% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Bullitt 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
Limited food access for many residents
45.3% of Bullitt County, KY residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.07
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
0.74
accepting food benefits
Fast-food restaurants
0.57
per 1,000 residents
Among low-income residents, 9.6% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Bullitt 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)
▲+818 people
+414 households • +$23.9M net AGI flow
Moved in
3,193households
5,717 people • $182.5M AGI
Moved out
2,779households
4,899 people • $158.6M AGI
Where new residents came from
- Jefferson County, KY — 1,536 households
- Hardin County, KY — 118 households
- Nelson County, KY — 115 households
- Spencer County, KY — 68 households
- Clark County, IN — 60 households
Where departing residents went
- Jefferson County, KY — 1,157 households
- Nelson County, KY — 162 households
- Hardin County, KY — 138 households
- Spencer County, KY — 80 households
- Clark County, IN — 65 households
Incoming households reported an average AGI of $57,142 versus departing households' $57,066.
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
17.6%
No national benchmark available.
Short Sleep Duration
42.1%
No national benchmark available.
Colorectal Cancer Screening
66.4%
No national benchmark available.
Dental Visit
58.9%
No national benchmark available.
Mammography
72.8%
No national benchmark available.
Schools in this ZIP
13 schools serve this ZIP, including 13 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| Bullitt Central High School | Public | 9–12 | 1,282 |
| North Bullitt High School | Public | 9–12 | 1,102 |
| Bullitt Lick Middle School | Public | 6–8 | 549 |
| Hebron Middle School | Public | 6–8 | 530 |
| Shepherdsville Elementary | Public | -1–5 | 526 |
Showing top 5 by enrollment. 8 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
Shepherdsville, KY (ZIP 40165) sits in Bullitt 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 13 schools serving the area, 13 non-charter. IRS data shows average household income (AGI) of $70,064, well above the ~$45K national average per return. BLS QCEW reports average annual pay of $52,323 per worker, roughly 20% below the US average. FEMA has issued 27 federal disaster declarations affecting this ZIP since 1970 — a high-frequency exposure profile. Only 4.9% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. Per USDA's Food Environment Atlas, 45.3% of residents in this county live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket — a deep food-access gap. IRS migration data (2022-2023) shows a net gain of 818 residents (414 households) — the ZIP's primary county is growing. 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 $73,712, fair market rent of $1,160 for a two-bedroom, and a typical home value of $299,138, up 0.2% 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 40165
How many schools are in ZIP 40165?
13 schools serve this ZIP, including 13 public schools (NCES CCD, retrieved Apr 27, 2026). No charter schools are listed in this ZIP by NCES CCD.
Does ZIP 40165 have charter schools?
No charter schools are listed in ZIP 40165 by NCES CCD (retrieved Apr 27, 2026).
Are there high schools in ZIP 40165?
Yes, 5 high schools serve this ZIP: Bullitt Central High School, North Bullitt High School, Riverview Opportunity Center, and 2 more. (NCES CCD, retrieved Apr 27, 2026).
What is the population of ZIP 40165?
38,074 people live in ZIP 40165, with a median age of 42.1 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 40165?
$73,712 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 40165 mostly renters or homeowners?
In ZIP 40165, 80.0% of occupied housing units are owner-occupied and 20.0% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 40165?
In ZIP 40165, 6.9% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 40165?
13.5% of the population in ZIP 40165 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 40165 have broadband internet?
89.0% of households in ZIP 40165 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 40165?
The typical home value in ZIP 40165 is $299,138, up 0.2% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 40165?
Home values are up 0.2% over the past year and up 20.9% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 40165?
The average Adjusted Gross Income reported on tax returns from ZIP 40165 (Shepherdsville, KY) is $70,064 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 40165?
Tax returns from ZIP 40165 report an average of $175 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 40165 earn over $200,000?
3.6% of tax returns from ZIP 40165 (Shepherdsville, 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 40165?
As of 2022, 640 business establishments operated in ZIP 40165 employing 15,111 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 40165?
The average annual pay across all local establishments in ZIP 40165 is $43,722, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 40165 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 40165 ranks in the 32th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 40165?
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 40165, ranking in the 44th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 40165 experienced?
FEMA has recorded 27 federal disaster declarations affecting ZIP 40165 between 1970–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 40165?
Severe Storm is the most common federally declared disaster type affecting ZIP 40165, accounting for 10 of 27 declarations (37%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 40165?
The most recent FEMA disaster declaration affecting ZIP 40165 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-3633) (FEMA OpenFEMA, retrieved May 3, 2026).
What data is available for ZIP 40165?
This page covers health outcomes from CDC PLACES (5 metrics), school information from NCES CCD (13 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 (27 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 (27 on record).
More Info topics
Nearby ZIPs: more ZIP code profiles launching Q3 2026.
Have a specific question about ZIP 40165?
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Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.