Rent in 40065 (Shelbyville, KY)
In ZIP 40065 (Shelbyville, KY), a 2-bedroom typically rents for $1,056–$1,160 a month, 4% below the Shelby County Fair Market Rent of $1,149. Other sizes: studio $873–$880, 1 bed $791–$1,010, 3 beds $1,113–$1,380, 4 beds $1,710–$1,899. Owner-occupied homes in Shelby County pay about 0.77% of their value a year in property tax, and the 30-year fixed mortgage rate averaged 7.32% in the week of Oct 22, 2026.
Rent by bedrooms
| Size | Range | Best guess | County FMR |
|---|---|---|---|
| Studio | $873–$880 | $880 | $873in line |
| 1 bed | $791–$1,010 | $901 | $99810% below |
| 2 beds | $1,056–$1,160 | $1,108 | $1,1494% below |
| 3 beds | $1,113–$1,380 | $1,247 | $1,3699% below |
| 4 beds | $1,710–$1,899 | $1,805 | $1,6927% above |
- Studio: HUD Small Area Fair Market Rent $880 (Oct 1, 2026); HUD Fair Market Rent (county) $873 (Oct 1, 2026)
- 1 bed: HUD Small Area Fair Market Rent $1,010 (Oct 1, 2026); Census ACS 5-year median gross rent $791 ±$82 (Dec 31, 2024)
- 2 beds: HUD Small Area Fair Market Rent $1,160 (Oct 1, 2026); Census ACS 5-year median gross rent $1,056 ±$60 (Dec 31, 2024)
- 3 beds: HUD Small Area Fair Market Rent $1,380 (Oct 1, 2026); Census ACS 5-year median gross rent $1,113 ±$119 (Dec 31, 2024)
- 4 beds: HUD Small Area Fair Market Rent $1,710 (Oct 1, 2026); Census ACS 5-year median gross rent $1,899 ±$264 (Dec 31, 2024)
Gross rent (rent plus tenant-paid utilities). Sources: HUD Small Area Fair Market Rents (Oct 1, 2026), Census ACS 5-year median gross rent (Dec 31, 2024) and HUD county Fair Market Rents (Oct 1, 2026).
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Frequently asked questions
- What is the rent for a 2-bedroom in 40065?
- Typically $1,056–$1,160 a month, with a best guess of $1,108. That is 4% below the Shelby County Fair Market Rent ($1,149).
- What is the rent for a 1-bedroom in 40065?
- Typically $791–$1,010 a month, with a best guess of $901. That is 10% below the Shelby County Fair Market Rent ($998).
- What is the rent for a 3-bedroom in 40065?
- Typically $1,113–$1,380 a month, with a best guess of $1,247. That is 9% below the Shelby County Fair Market Rent ($1,369).
- What is the rent for a studio in 40065?
- Typically $873–$880 a month, with a best guess of $880. That is in line with the Shelby County Fair Market Rent ($873).
- What is the rent for a 4-bedroom in 40065?
- Typically $1,710–$1,899 a month, with a best guess of $1,805. That is 7% above the Shelby County Fair Market Rent ($1,692).
- What is the property tax rate in ZIP 40065?
- Owner-occupied homes in Shelby County pay a typical 0.77% of their value a year (Census ACS, median taxes paid ÷ median home value, Dec 31, 2024). Investors often pay more after a purchase: the home is reassessed at the sale price and there is no homestead exemption.
- What is the current 30-year mortgage rate?
- The 30-year fixed rate averaged 7.32% in the week of Oct 22, 2026 (Freddie Mac PMMS via FRED). It's a national average for owner-occupied loans; investment property loans usually cost more.
- Where do the 40065 rent figures come from?
- HUD Small Area Fair Market Rents (Oct 1, 2026), Census ACS 5-year median gross rent (Dec 31, 2024) and HUD county Fair Market Rents (Oct 1, 2026).