Shelby ZIP codes — Shelby County, Kentucky

Shelby County is a small city in Kentucky, with 48,599 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates. The median age here is 40.9 years against 39.1 nationally, a slightly older profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in Shelby County earn a median of $82,671 a year, 5.3% above the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 8.6% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Shelby County is valued at $277,500, 8.5% below the national figure, while median gross rent runs $998 a month, 29% below the national figure, or roughly $11,976 across a full year. A household on the local median income would put about 14.5% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 3.4×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 74.1% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.