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ZIP Code · KY

ZIP 40065

Pop. 32,160·Shelby County·38th most expensive ZIP in Kentucky
Median rent (all units)
$1,448/mo
Year-over-Year
Stable
Month-over-Month
+1.8%
vs US Median
-$517
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 40065 · $1,448
More affordable than 77% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$960
1 BR
$1,030
2 BR
$1,150
3 BR
$1,430
4 BR+
$1,710
Research median
$1,150/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: July 20, 2026

Annual cost
$17,376/yr
At $1,448/mo median
Location
StateKY
CountyShelby County
Rent Market Meter
Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are climbing (0.0% YoY), so leverage tilts toward landlords. Act sooner rather than later.
Based on rent-price momentum (+0.0% YoY, +1.8% MoM), not inventory.
Demographics

Who lives here

ZIP 40065 (Shelbyville, KY) is majority owner-occupied, 30.1% of residents hold a bachelor's degree or higher.

Population
32,160
Median income
$77,869
Median age
39.5
Renters
31.7%
Age distribution
23.1%
21.8%
26.2%
12.8%
16.1%
Under 1823.1%
18–3421.8%
35–5426.2%
55–6412.8%
65+16.1%
Gender
49.8%
50.2%
Male49.8%
Female50.2%
Race & ethnicity
77%
13.7%
White77%
Black5%
Hispanic13.7%
Asian1.1%
Other3.2%
Education (25+)
32%
26%
30.1%
No HS diploma11.9%
HS diploma32%
Some college26%
Bachelor's+30.1%
Housing tenure
68.3%
31.7%
Owner68.3%
Renter31.7%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 40065 in Shelbyville, KY has changed in 5 years

Income
$70,330 → $77,869
up 10.7%
Population
30,682 → 32,160
up 4.8%
Renter share
33.4% → 31.7%
-1.7 pts
Bachelor's+
26.7% → 30.1%
+3.4 pts

On the earnings side, the typical household in ZIP 40065 in Shelbyville, KY now reports about $77,869, up from $70,330 in 2021. Headcount in the area went from 30,682 to 32,160 between 2021 and 2024, a 4.8% change. About 31.7% of households rent today, against 33.4% in 2021. Educational attainment has shifted as well, with the share of adults holding a bachelor's degree or higher climbed from 26.7% to 30.1%.

Community

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Local insights

Tips for renters in ZIP 40065

About renting in ZIP 40065

Last updated: July 20, 2026

ZIP code 40065 covers Shelbyville, KY. The median rent here is $1,448/mo as of July 2026. A 1-bedroom rents for a median of $1,030/mo. A 2-bedroom rents for a median of $1,150/mo.

At 22% of local median household income ($77,869/yr), ZIP 40065 ranks as affordable compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 40065?

As of July 20, 2026, the median monthly rent in ZIP 40065 (Shelbyville, KY) is $1,448. This is based on aggregated data from public sources and community submissions.

How does ZIP 40065 rent compare to the US average?

ZIP 40065's median rent of $1,448/mo is $517 (26%) below the US national median of $1,965/mo.

How does ZIP 40065 compare to other ZIPs in Kentucky?

ZIP 40065 falls in the middle range for Kentucky, ranking #38 out of 83 ZIPs at $1,448/mo.

How much income do you need to rent in ZIP 40065?

To keep rent at or below 30% of gross income, you would need to earn at least $58,000/year (~$28/hour full-time) to afford the median rent of $1,448/mo in ZIP 40065. The local median household income is $77,869/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 40065?

Rent in ZIP 40065 has been relatively stable over the past year, with a 0.0% change year over year as of July 20, 2026.

Is ZIP 40065 an affordable place to rent?

ZIP 40065 is considered very affordable for renters. At $1,448/mo, rent takes approximately 22% of the local median household income ($77,869/yr). The standard benchmark is 30%. ZIP 40065 falls comfortably within that range.

What percentage of ZIP 40065 residents rent vs. own?

According to Census data, approximately 31.7% of ZIP 40065 households are renters, while 68.3% are owner-occupied. ZIP 40065 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 40065 compare to the rest of Shelbyville?

ZIP 40065 sits right at the Shelbyville citywide median of $1,448/mo.

When was rent data for ZIP 40065 last updated?

Rent data for ZIP 40065 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
22%
VERY AFFORDABLE

At $1,448/mo, rent takes ~22% of ZIP 40065's median household income ($77,869/yr). The standard benchmark is 30%.

ZIP 40065 22%Benchmark 30%
State income tax4%
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Schools nearby

Public schools near ZIP 40065 (Shelbyville, KY)

Recent submissions

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