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Kentucky ZIP Codes
Shelby County
Finchville, KY
40022
40022 ZIP Code — Finchville, KY
Shelby County, Kentucky
ZIP code 40022 is located in
Finchville ,
Kentucky ,
within Shelby County .
It covers approximately 16.34 square miles and serves a population of
833 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 502 .
About ZIP code 40022
The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $391,700. Owner-occupancy is high at 91%, well above the national average.
Median household income is $110,048. The poverty rate of 6% is below the national average. 34% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is sales and office, with education and healthcare as the leading industry. The average commute of 26 minutes is near the national average.
Educational attainment is near the national average, with 38% of residents holding a bachelor's degree or higher.
Overall, ZIP code 40022 reflects a community defined by high homeownership and a significant Social Security-dependent population.
40022 ZIP code map
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Cities in ZIP code 40022
Below are the cities the US Postal Service accepts for ZIP code 40022. Using any city not on this list may result in mail delivery delays.
Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
833
Population density
51 / sq mi
State FIPS
21
County FIPS
211
Geography
Land area
16.34 sq mi
Water area
0.24 sq mi
Latitude
38.1525
Longitude
-85.3344
Timezone
Eastern (ET)
Area code
502
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
21.8%
35.4%
47.9%
$50k – $100k
27.1%
32.8%
30.3%
$100k – $200k
24.0%
25.0%
17.6%
Over $200k
27.1%
6.8%
4.2%
Demographics & statistics
$110,048
Median household income
$391,700
Median home value
37.6%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 152 18.2% 18 and over 681 81.8% 65 and over 146 17.5% Median age 50.6 years
Race & ethnicity
Black or African American
4.9%
Group Count % White 641 66.9% Two or more races 145 15.1% Hispanic or Latino 125 13% Black or African American 47 4.9%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
21.8%
35.4%
47.9%
$50k – $100k
27.1%
32.8%
30.3%
$100k – $200k
24.0%
25.0%
17.6%
Over $200k
27.1%
6.8%
4.2%
Range % of households Under $10k 6.5% $10k–$15k 1.8% $15k–$25k 8.6% $25k–$35k 2.2% $35k–$50k 2.2% $50k–$75k 15.8% $75k–$100k 12.9% $100k–$150k 28.7% $150k–$200k 9.3% $200k+ 12.2% Median income $110,048
Housing
Housing overview
Metric Value Median home value $391,700 Median rent / month $0 Owner occupied 90.7% Renter occupied 9.3% Vacant 10.3% Single-family detached 100.0% Large apartment buildings 0.0% Mobile homes 0.0% Median rooms 8.1 Avg household size (owned) 2.97
Year built
Era % 2020 or later 0.0% 2010–2019 12.5% 2000–2009 4.2% 1990–1999 39.5% 1980–1989 1.0% 1970–1979 18.0% 1960–1969 0.0% 1950–1959 1.6% 1940–1949 3.9% 1939 or earlier 19.3%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 0.0% 2 bedrooms 10.0% 3 bedrooms 43.1% 4 bedrooms 31.5% 5+ bedrooms 15.4%
Vehicles per household
Vehicles % of households No vehicle 1.4% 1 vehicle 6.8% 2 vehicles 51.6% 3 or more 40.1%
Heating fuel
Fuel type % Utility gas 2.2% Electricity 65.6% Propane / LP gas 30.5% Wood 0.7% No fuel used 1.1%
Households & families
Household type Count % Married-couple family 211 75.6% Cohabiting couple 5 1.8% Male householder, no spouse 20 7.2% Female householder, no spouse 43 15.4% Households with children under 18 82 29.4% Households with seniors (65+) 101 36.2% Average household size 2.99
Marital status
Status Male Female Never married 20.9% 29.7% Married 65.9% 56.7% Separated 5.0% 5.0% Widowed 0.0% 1.4% Divorced 8.2% 7.2%
Education
Some college, no degree
15.9%
Graduate / professional
15.2%
Metric % HS diploma or higher 95.9% Bachelor's or higher 37.6%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 0 0.0% Kindergarten 0 0.0% Elementary school 71 30.9% High school 81 35.2% College / grad school 78 33.9%
Employment
Industry of employment
Education & healthcare
25.1%
Professional & management
8.1%
Transportation & utilities
7.4%
Agriculture & mining
6.3%
Finance & real estate
3.6%
Public administration
0.3%
Occupation
Category % Management, business & arts 29.7% Service 7.9% Sales & office 29.9% Natural resources & construction 16.5% Production & transportation 16.0%
Employment type
Type % Private sector 79.2% Government 9.9% Self-employed 10.9% Unpaid family workers 0.0%
Commute
Method % Drive alone 86.7% Carpool 2.5% Public transit 0.0% Walk 0.0% Work from home 10.8% Other means 0.0% Avg commute (minutes) 25.6
Poverty
Married-couple families
8.5%
Female-led households
0.0%
Income support
Source % of households Social Security 34.4% Retirement income 45.2% Supplemental Security 6.1% Cash public assistance 0.0% Food stamps / SNAP 0.0%
Health indicators
Condition % Obesity 36.9% High blood pressure 40.3% High cholesterol 38.0% Diabetes 10.5% Heart disease 6.7% Stroke 2.9% Asthma 10.1% Arthritis 29.7% Kidney disease 2.8% Pulmonary disease 7.9% Cancer 7.2%
Behavior / access % Smoking 17.6% Binge drinking 15.4% No physical activity 24.4% Less than 7 hrs sleep 36.7% Depression 22.3% Fair or poor health 15.1% Poor mental health 15.0% Poor physical health 11.4% No health insurance 7.6% Visited doctor (checkup) 77.8% Visited dentist 65.6% Cholesterol screening 93.6% Teeth loss 11.9%
Veterans & disability
Veterans Count % Civilian veterans 53 7.9%
Disability % Any disability 9.0% Under 18 5.9% 18–64 years 5.1% 65 and over 26.0%
Health insurance coverage
Type % Private insurance 80.5% Public insurance 28.7% No insurance 2.1% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 828 99.4% Spanish 13 1.6% Other Indo-European 13 1.6% Asian & Pacific Islander 0 0.0% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 819 98.3% Born in same state 812 97.5% Born in different state 581 69.7% Foreign born 7 0.8% Naturalized citizen 14 1.7% Not a US citizen 0 0.0%
Ancestry
Ancestry Count % Italian 217 26.1% French 76 9.1% Arab 71 8.5%
Ancestry Count % Polish 23 2.8% English 5 0.6%
Technology access
Metric % of households Computer access 33.5% Internet access 89.6%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 40022
What city is ZIP code 40022 in?
ZIP code 40022 is primarily assigned to Finchville, Kentucky.
What county is ZIP code 40022 in?
ZIP code 40022 falls within Shelby County, Kentucky.
Is ZIP code 40022 mostly owner-occupied?
91% of occupied units in ZIP code 40022 are owner-occupied, well above the national average.
What is the typical home value in ZIP code 40022?
The median home value in ZIP code 40022 is $391,700.
What is the median household income in ZIP code 40022?
The median household income in ZIP code 40022 is $110,048, above the national median of ~$75,000.
What is the population of ZIP code 40022?
ZIP code 40022 has an estimated population of 833 residents, with a density of 51 people per square mile.
What timezone is ZIP code 40022 in?
ZIP code 40022 observes the EST timezone.
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