40076
Waddy, Kentucky.
Waddy, Shelby County, KY · Louisville/Jefferson County, KY-IN metro · population 2,898
to buy the typical home at today's mortgage rate — +$822 (+105%) since Jan 2020.
- 1 year
- Down $15,740 -5%
- $321,485$305,746 since Sep 2025
- 5 years
- Up $39,638 +15%
- $266,107$305,746 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 40076$1,605
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 25 years.
Typical home values in zip 40076 fell 4.9% over the past year — slower than the nation's +1.2%.
This zip spans 4 counties: Shelby County, KY 87% · Anderson County, KY 9% · Franklin County, KY 4% · Spencer County, KY 1%
Zillow also publishes an index for the city itself: Waddy, KY — measured over the city limits, which is a different area from this zip.
Typical home value — 40076
Mid-tier homes, smoothed and seasonally adjusted.
- 40076$305,746
- United States$366,157
Within 20 miles
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 7.9 | 40046 | Mount Eden | 1,122 | — | $285,443 |
| 9.4 | 40342 | Lawrenceburg | 23,963 | $1,284 | $263,586 |
| 9.5 | 40065 | Shelbyville | 32,160 | $1,639 | $313,094 |
| 11.0 | 40003 | Bagdad | 1,807 | — | $234,825 |
| 13.7 | 40022 | Finchville | 903 | — | $510,627 |
| 13.8 | 40601 | Frankfort | 51,893 | $989 | $249,096 |
| 15.0 | 40012 | Chaplin | 712 | — | $218,654 |
| 16.2 | 40071 | Taylorsville | 17,239 | — | $370,572 |
| 17.0 | 40067 | Simpsonville | 6,365 | — | $404,367 |
| 17.2 | 40008 | Bloomfield | 4,020 | — | $256,150 |
| 17.9 | 40372 | Salvisa | 2,090 | — | $282,800 |
| 18.6 | 40023 | Fisherville | 6,870 | — | $550,330 |
| 18.7 | 40019 | Eminence | 4,238 | — | $228,417 |
| 19.0 | 40078 | Willisburg | 2,661 | — | $239,378 |
| 19.0 | 40057 | Pleasureville | 4,065 | — | $251,645 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.