40076 ZIP Code — Waddy, KY

Shelby County, Kentucky

ZIP code 40076 is located in Waddy, Kentucky, within Shelby County. It covers approximately 57.18 square miles and serves a population of 2,973 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 502.

About ZIP code 40076

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $199,400. Owner-occupancy is high at 78%, well above the national average.

Median household income is $78,571. 38% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 27 minutes is near the national average.

Educational attainment is near the national average, with 25% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (22%) compared to national benchmarks.

Overall, ZIP code 40076 reflects a community defined by high homeownership and a significant Social Security-dependent population.

2,973

population

57.18

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40076 ZIP code map

Cities in ZIP code 40076

Below are the cities the US Postal Service accepts for ZIP code 40076. Using any city not on this list may result in mail delivery delays.

City	Status
Waddy	Preferred

Nearby ZIP codes

40065 Shelbyville (8 mi) 40342 Lawrenceburg (10 mi) 40003 Bagdad (11.8 mi) 40022 Finchville (12.8 mi) 40601 Frankfort (13.9 mi) 40622 Frankfort (13.9 mi) 40619 Frankfort (13.9 mi) 40621 Frankfort (13.9 mi) 40618 Frankfort (13.9 mi) 40620 Frankfort (13.9 mi) 40012 Chaplin (14.3 mi) 40071 Taylorsville (14.7 mi)

Demographics updated 05/2026

Population
Total population	2,973
Population density	52 / sq mi
State FIPS	21
County FIPS	211

Geography
Land area	57.18 sq mi
Water area	0.55 sq mi
Latitude	38.1132
Longitude	-85.1035
Timezone	Eastern (ET)
Area code	502

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	41.1%	35.4%	47.9%
$50k – $100k	28.7%	32.8%	30.3%
$100k – $200k	26.5%	25.0%	17.6%
Over $200k	3.7%	6.8%	4.2%

Demographics & statistics

2,973

Population

People per sq mi

35.7

Median age

$78,571

Median household income

$30,945

Per capita income

$199,400

Median home value

$1,023

Median monthly rent

77.9%

Home ownership

11.0%

Poverty rate

3.3%

Unemployment

929

Housing units

24.9%

Bachelor's or higher

Age distribution

Male Female

191

Under 5

185

129

5–9

124

10–14

15–19

20–24

229

25–34

221

159

35–44

154

126

45–54

121

119

55–59

116

60–64

112

151

65–74

147

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	847	28.5%
18 and over	2,126	71.5%
65 and over	497	16.7%
Median age	35.7 years

Race & ethnicity

White 78.1%

Two or more races 10.2%

Hispanic or Latino 9.5%

Other race 1.9%

Black or African American 0.3%

Group	Count	%
White	2,564	78.1%
Two or more races	335	10.2%
Hispanic or Latino	312	9.5%
Other race	64	1.9%
Black or African American	10	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	41.1%	35.4%	47.9%
$50k – $100k	28.7%	32.8%	30.3%
$100k – $200k	26.5%	25.0%	17.6%
Over $200k	3.7%	6.8%	4.2%

Under $10k 1.7%

$10k–$15k 5.5%

$15k–$25k 3.9%

$25k–$35k 5.0%

$35k–$50k 22.6%

$50k–$75k 10.2%

$75k–$100k 20.4%

$100k–$150k 20.6%

$150k–$200k 6.3%

$200k+ 3.8%

Range	% of households
Under $10k	1.7%
$10k–$15k	5.5%
$15k–$25k	3.9%
$25k–$35k	5.0%
$35k–$50k	22.6%
$50k–$75k	10.2%
$75k–$100k	20.4%
$100k–$150k	20.6%
$150k–$200k	6.3%
$200k+	3.8%
Median income	$78,571

Housing

Home values

Under $50k 2.7%

$50k–$100k 13.7%

$100k–$150k 13.0%

$150k–$200k 20.9%

$200k–$300k 22.7%

$300k–$500k 18.0%

$500k–$1M 7.4%

$1M+ 1.7%

Housing overview

Metric	Value
Median home value	$199,400
Median rent / month	$1,023
Owner occupied	77.9%
Renter occupied	22.1%
Vacant	9.0%
Single-family detached	79.4%
Large apartment buildings	0.0%
Mobile homes	14.3%
Median rooms	5.9
Avg household size (owned)	2.77

Year built

Era	%
2020 or later	0.0%
2010–2019	14.1%
2000–2009	24.8%
1990–1999	18.3%
1980–1989	9.0%
1970–1979	7.0%
1960–1969	8.5%
1950–1959	2.6%
1940–1949	1.3%
1939 or earlier	14.4%

Bedrooms

Size	% of units
No bedroom (studio)	1.8%
1 bedroom	2.4%
2 bedrooms	18.1%
3 bedrooms	58.2%
4 bedrooms	18.9%
5+ bedrooms	0.6%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	25.6%
2 vehicles	39.0%
3 or more	35.3%

Heating fuel

Fuel type	%
Utility gas	14.6%
Electricity	59.1%
Propane / LP gas	16.8%
Wood	8.9%

Households & families

Household type	Count	%
Married-couple family	649	61.3%
Cohabiting couple	98	9.3%
Male householder, no spouse	171	16.2%
Female householder, no spouse	140	13.2%
Households with children under 18	349	33.0%
Households with seniors (65+)	348	32.9%
Average household size	2.79

Marital status

Status	Male	Female
Never married	22.3%	20.2%
Married	63.8%	61.7%
Separated	0.0%	5.2%
Widowed	11.0%	3.5%
Divorced	3.0%	9.4%

Education

Less than 9th grade 2.9%

Some HS, no diploma 5.8%

HS graduate 43.8%

Some college, no degree 9.9%

Associate's degree 12.6%

Bachelor's degree 19.5%

Graduate / professional 5.4%

Metric	%
HS diploma or higher	91.2%
Bachelor's or higher	24.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	60	10.2%
Kindergarten	21	3.6%
Elementary school	340	57.7%
High school	98	16.6%
College / grad school	70	11.9%

Employment

Industry of employment

Education & healthcare 18.1%

Retail trade 16.5%

Manufacturing 15.4%

Public administration 11.0%

Construction 8.6%

Professional & management 8.1%

Transportation & utilities 7.5%

Finance & real estate 4.7%

Other services 3.8%

Arts, food & hospitality 3.2%

Agriculture & mining 1.8%

Wholesale trade 0.6%

Information 0.6%

Occupation

Category	%
Management, business & arts	27.9%
Service	12.9%
Sales & office	21.7%
Natural resources & construction	18.9%
Production & transportation	18.6%

Employment type

Type	%
Private sector	69.0%
Government	19.7%
Self-employed	11.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	78.4%
Carpool	8.3%
Public transit	7.5%
Walk	0.7%
Work from home	3.7%
Other means	1.3%
Avg commute (minutes)	26.6

Poverty

All people 11.0%

Under 18 years 16.4%

18 and over 8.8%

Married-couple families 2.6%

Female-led households 61.3%

Income support

Source	% of households
Social Security	37.5%
Retirement income	29.7%
Supplemental Security	7.8%
Cash public assistance	0.0%
Food stamps / SNAP	12.5%

Health indicators

Condition	%
Obesity	37.2%
High blood pressure	39.8%
High cholesterol	37.7%
Diabetes	10.5%
Heart disease	6.8%
Stroke	3.0%
Asthma	10.5%
Arthritis	29.8%
Kidney disease	2.8%
Pulmonary disease	9.1%
Cancer	6.7%

Behavior / access	%
Smoking	21.5%
Binge drinking	16.4%
No physical activity	27.6%
Less than 7 hrs sleep	38.1%
Depression	24.2%
Fair or poor health	17.2%
Poor mental health	17.0%
Poor physical health	12.5%
No health insurance	9.4%
Visited doctor (checkup)	76.2%
Visited dentist	60.4%
Cholesterol screening	91.1%
Teeth loss	15.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	136	6.4%

Disability	%
Any disability	12.2%
Under 18	2.0%
18–64 years	10.3%
65 and over	35.8%

Health insurance coverage

Type	%
Private insurance	59.7%
Public insurance	49.9%
No insurance	3.7%
Uninsured under 19	2.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,597	87.4%
Spanish	34	1.3%
Other Indo-European	31	1.2%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,923	98.3%
Born in same state	2,911	97.9%
Born in different state	2,371	79.8%
Foreign born	12	0.4%
Naturalized citizen	50	1.7%
Not a US citizen	25	50.0%

Ancestry

Ancestry	Count	%
French	580	19.5%
Arab	348	11.7%
Italian	336	11.3%
German	21	0.7%

Ancestry	Count	%
Polish	20	0.7%
English	16	0.5%
Norwegian	4	0.1%

Technology access

Metric	% of households
Computer access	35.6%
Internet access	95.1%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 40076

What city is ZIP code 40076 in?

ZIP code 40076 is primarily assigned to Waddy, Kentucky.

What county is ZIP code 40076 in?

ZIP code 40076 falls within Shelby County, Kentucky.

Does ZIP code 40076 have a large retiree population?

38% of households in ZIP code 40076 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 40076?

ZIP code 40076 has an estimated population of 2,973 residents, with a density of 52 people per square mile.

What is the typical home value in ZIP code 40076?

The median home value in ZIP code 40076 is $199,400.

What is the median household income in ZIP code 40076?

The median household income in ZIP code 40076 is $78,571, above the national median of ~$75,000.

What timezone is ZIP code 40076 in?

ZIP code 40076 observes the EST timezone.