States · Kentucky · Shelby County

Waddy, Kentucky.

Typical home $305,498 (-4.7% in a year). Louisville/Jefferson County, KY-IN metro.

What it costs per month · Waddy $1,603/mo

to buy the typical home at today's mortgage rate — +$824 (+106%) since Jan 2020.

What the home itself did
1 year
Down $14,971 -5%
$320,469$305,498 since Sep 2025
5 years
Up $39,494 +15%
$266,004$305,498 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.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 Waddy $1,603 Kentucky $1,212 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • Waddy$1,603
  • Kentucky$1,212
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 25 years.

Typical home values in Waddy, KY fell 4.7% over the past year — slower than the nation's +1.2%.

Living in Waddy, Shelby County, Kentucky

The Census does not count Waddy on its own, so the figures here are Shelby County's. Half the county's households earn more than $82,604 a year and half less; 10% of the county's people live below the poverty line. 74% of the county's homes are lived in by their owners and 26% are rented. Unemployment in Shelby County was 3.7% in August 2026, and the county had 0.2% fewer jobs in 2025 than the year before. The most people in Shelby County work in schools and health care, then manufacturing.

People 49,000 about, in Shelby County: the Census does not count Waddy on its own
Household income $82,604 the median in Shelby County, give or take $4,414
Unemployment 3.7% Shelby County, August 2026; 3.8% a year before
Homes 74% lived in by their owners; 26% rented

Written by AI Claude Haiku 5.5 wrote this on 22 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.

What it’s like

The place. Waddy is a town in Shelby County, in north-central Kentucky. Across the county, the typical resident is in middle age, and most homes are lived in by their owners. Winters are cold, with the coldest weather in January, while summers are warm, peaking in July. Rain and melted snow fall steadily through the year, so the ground is rarely dry for long.

Work. Many residents work in schools, hospitals and social care, in factories, in shops, and in the building trades. Unemployment in the county is a little lower than it was a year earlier, though the number of jobs dipped slightly over the past year. Most people commute to work by car, and only a small share work from home. A degree is held by a minority of adults, so many working lives are built on trades and local services.

Things to do. Guist Creek Lake, a reservoir, is a short drive away and makes a restful outing for a day. Farther off, Beaver Lake, another reservoir, and the Aviation Museum of Kentucky are both a longer drive away, and each suits a day trip. For a slower pace, the many small rivers and nature preserves in the wider area offer quiet walks.

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  • 18,484households
  • 40.9median age
  • 33%of adults have a degree
  • 10%below the poverty line
  • 27 mintypical commute
  • 13%work from home

What people in Shelby County work in

  • Schools, hospitals and social care21%
  • Manufacturing17%
  • Shops (retail)13%
  • Building trades8%
  • Professional and business services8%
  • Banks, insurance and property8%

Employed residents by industry, from the Census survey. Shelby County had 16,522 jobs in 2025, 0.2% fewer than the year before (Bureau of Labor Statistics).

Weather through the year

Average daily high and low for each month: coldest in January, 42° and 20°; warmest in July, 88° and 62° 20° 40° 60° 80° J 42° 20° F M A M J J 88° 62° A S O N D
Average daily high and low for each month: coldest in January, 42° and 20°; warmest in July, 88° and 62° 20° 40° 60° 80° J 42° 20° F M A M J J 88° 62° A S O N D

Coldest in January, with highs near 42° and lows near 20°; warmest in July, with highs near 88° and lows near 62°. About 50 inches of rain and melted snow a year.

Average daily high and low, 1991–2020, at the Shelbyville East weather station, 9 miles away (NOAA).

Largest workplaces in Shelby County

  1. Shelby County SchoolsSchool district1,005FTE
  2. RCS TransportationRailroad terminals, independent operation894
  3. Faurecia Automotive SeatingMotor vehicle seats manufacturing499
  4. Associates in Pediatric Therapy621340 offices of physical, occupational and speech therapists, and audiologists448
  5. Nifco AmericaMotor vehicle moldings and extrusions, plastics, manufacturing385
  6. Martinrea Heavy Stamping - ShelbyvilleJob stampings, automotive, metal, manufacturing301
  7. Katayama American CompanyMotor vehicle metal stampings manufacturing288
  8. WalmartWarehouse clubs and supercenters284

Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 52 workplaces with 20 or more staff, 7,586 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.

Natural hazards

  1. Strong windRelatively high
  2. LightningRelatively high
  3. TornadoesRelatively moderate
  4. Ice stormsRelatively moderate

FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Shelby County, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.

From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Shelby County and the Louisville/Jefferson County, KY-IN metro.

Waddy home values

Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.

$150,000 $200,000 $250,000 $300,000 $350,000 2018 2020 2022 2024 2026 Waddy $305,498 Kentucky $230,909 United States $366,157
$150,000 $200,000 $250,000 $300,000 $350,000 2018 2022 2026
  • Waddy$305,498
  • Kentucky$230,909
  • United States$366,157

When this market ran hot

Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.

JFMAMJJASOND
2026
2025
2024
2023
2022
2021
2020
2019
2018
falling flat warming hot overheating runaway

Market heat, inside the city limits

Homes for sale

Active for-sale inventory. More supply hands power to buyers.

5 8 10 12 2024 2025 2026 Waddy 14
5 8 10 12 2024 2025 2026
  • Waddy14

Zip codes with a Waddy address

A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Waddy — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.

Zip codes in Waddy