Area data
Shelbyville, KY — ZIP 40065
Population: 32,160 (Census ACS)
The median home value in ZIP 40065 (Shelbyville, KY) is $312,694 — down 0.1% over the past year. Homes sell for a median $322,500 after a median 21 days on market. Typical rent runs $1,608/month. 12 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Low, with lightning, strongwind, icestorm the top-rated hazards. Cost of living is 11.5% below the US average (BEA, metro/state-level).
$312,694
Median home value
-0.1%
1-year change
21
Median days on market
Relatively Low
Hazard risk (county)
Home values & appreciation
- Median home value
- $312,694
- 1-year appreciation
- -0.1%
- 3-year appreciation
- +5.3%
- 5-year appreciation
- +17.7%
- 10-year appreciation
- +72.9%
- All-time peak (2025-04)
- $315,269
- House Price Index (state)
- 396.0 (+2.4% YoY)
Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)
Market activity
- Median sale price
- $322,500
- Median list price
- $307,250
- Median price per sqft
- $194
- 1-year sale-price change
- -1.4%
- Median days on market
- 21 days
- Homes sold (recent period)
- 5
- For-sale inventory
- 113
- Sale-to-list ratio
- 98.5%
- Active listings
- 3
- 1-year forecast
- +1.1%
- Days to pending
- 40 days
- New listings (monthly)
- 42
Source: recent area sales and market data (ZIP-level)
Rents
- Typical rent
- $1,608/mo
- Studio fair-market rent
- $960/mo
- 1BR fair-market rent
- $1,030/mo
- 2BR fair-market rent
- $1,150/mo
- 3BR fair-market rent
- $1,430/mo
- 4BR fair-market rent
- $1,710/mo
Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)
Affordability
- Cost of living index (Low)
- 88.5 (100 = US avg)
- Electricity rate (state-level)
- 13.2¢/kWh
- Natural gas rate (state-level)
- $14.20/MCF
- 30-year mortgage rate (national)
- 6.66%
- 15-year mortgage rate (national)
- 6.00%
Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)
Schools
- Total schools
- 12
- Elementary schools
- 5
- Middle schools
- 2
- High schools
- 4
- School districts serving the area
- Kentucky Tech System, Shelby County
- Schools include
- Shelby County Area Technology Center, Shelby County West Middle School, Shelby County High School, Shelby County East Middle School, Clear Creek Elementary
Source: NCES school directory, 2022-23 (school-address-based)
Natural hazards & flood risk
- Overall hazard risk (county)
- Relatively Low
- Top hazards (county)
- lightning, strongWind, iceStorm, tornado
- Notable hazard ratings (county)
- coldWave: Relatively Low · drought: Relatively Low · earthquake: Relatively Low · heatWave: Relatively Low · iceStorm: Relatively Moderate · inlandFlooding: Relatively Low
- FEMA flood zone
- X
- Flood risk level
- Minimal
- Wildfire risk to homes (county)
- Higher than 13% of US counties
- Buildings in wildfire direct-exposure zone
- 74.4%
- Radon potential (county)
- Moderate radon potential — EPA Zone 2 of 3
- EPA Superfund (NPL) sites within 5 mi
- None
Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL
Climate (30-year normals)
- Annual precipitation
- 53.4 in
- USDA plant hardiness zone
- 6b (extreme annual low -5 to 0°F)
Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)
Walkability & transit
- Walkability index
- 7.0 / 20
- Transit service frequency
- -99,999
- Jobs reachable by car (30 min)
- 29,414
- Jobs reachable by transit (45 min)
- 27,545
Source: EPA Smart Location Database (metropolitan block groups)
Amenities
- National parks within ~60 mi
- 2
- Nearest national park
- Camp Nelson National Monument (44 mi)
- National parks include
- Camp Nelson National Monument, Abraham Lincoln Birthplace National Historical Park
- Airports within 30 mi
- 20
- Nearest airport
- Papaws Landing (5 mi)
- Nearest major airport
- Bowman Field (LOU) (25 mi)
- Hospitals nearby (~15 mi)
- 1
- Hospitals include
- UOFL HEALTH - SHELBYVILLE HOSPITAL
- Solar radiation rating
- Fair (4.1 kWh/m²/day)
Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)
Migration
- Net migration (county)
- +239 tax filers
Source: IRS county-to-county migration data (county-level, ~12-month lag)
Housing stock
- Median year housing built
- 1,991
- Housing built before 1970
- 24.7%
- Housing built 2000 or later
- 37.0%
- Median annual property tax
- $2,292
- Mean commute to work
- 23 min
- Households with broadband internet
- 70.7%
Source: Census ACS 5-year estimates (ZIP-level)
Employment & development
- Total county employment
- 13,612
- Average weekly wage
- $1,039
- Top industries (by employment)
- Accommodation & Food, Health Care, Administrative Services
- Annual residential building permits (county)
- 237
Sources: BLS QCEW (county-level) · Census Building Permits (county-level)
How it compares
| ZIP 40065 | State median | US median | |
|---|---|---|---|
| Median home value | $312,694 | $169,157 | $289,727 |
| Median sale price | $322,500 | $234,500 | $325,000 |
| Median days on market | 21 days | 57 days | 51 days |
| Typical rent | $1,608/mo | $1,378/mo | $1,808/mo |
| Median annual property tax | $2,292 | $921 | $2,006 |
State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.
Area data compiled from public government, academic, and industry research feeds. Data sources →
Common questions
- What is the median home value in ZIP 40065?
- $312,694.
- What is the median sale price in ZIP 40065?
- $322,500.
- How long do homes take to sell in ZIP 40065?
- Median days on market: 21 days.
- What is typical rent in ZIP 40065?
- Typical rent: $1,608/month.
- What is the natural-hazard risk in ZIP 40065?
- Overall risk: Relatively Low (FEMA NRI, county-level). Top hazards: lightning, strongWind, iceStorm, tornado.
- Is ZIP 40065 in a flood zone?
- Minimal (FEMA NFIP). FEMA flood zone X.
- What is the wildfire risk in ZIP 40065?
- Risk to homes is higher than 13% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
- What is the radon potential in ZIP 40065?
- Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
- Are there Superfund sites near ZIP 40065?
- No current or proposed National Priorities List sites within 5 miles (EPA).
- How many schools serve ZIP 40065?
- 12 schools (5 elementary, 2 middle, 4 high) (NCES, 2022-23).
- Is ZIP 40065 walkable?
- Walkability index: 7.0/20 (EPA Smart Location Database).
- What is the cost of living in ZIP 40065?
- Regional Price Parity: 88.5 (100 = US average) (Low) (BEA RPP, metro/state-level).
Nearby ZIP codes
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Data last updated
Most recent source refresh: Sep 2026. See all data sources →