What it's like to live in Shelbyville
Shelbyville is a small city in Kentucky with rent below the national average, home prices that remain within reach, crime rates well below the national average, and a growing population. Those factors carry real weight for anyone weighing where to move next.
The tradeoffs are worth naming plainly. Shelbyville deals with cold winters and a car-dependent commute, with few people using transit.
The good
- Rent below the national average
- Affordable home prices
- Low crime rates
- Growing population
- Average class sizes
The not so good
- Cold winters
- Car-dependent — few commuters use transit
How Shelbyville compares
Median household income
Median rent (per month)
Median home value
What it takes to move to Shelbyville
Based on Shelbyville's median rent, home value and household income
To rent
$2,066
up front: first month plus a typical one-month deposit
- Income to keep rent under 30%: $41,320 a year
- 37% of Shelbyville renters spend 30% or more of their income on rent
To buy
$51,420
a 20% down payment on the median home
- With 10% down: $25,710
- Homes cost 3.4× the typical local household income (US: 4.1×)
Moving costs, closing costs and taxes not included.
The details
Cost of living▼ 27% below US
$1,033/mo median rent
Rent here is genuinely low, with median rent around $1,033 a month. Factoring in local incomes, the value gets even better. Money stretches further here than in most of the country. Home prices are reasonable, with a median around $257,100. Not a steal, but not intimidating either.
Median home value $257,100 · 37% of renters cost-burdened
Job market
3.9% county unemployment
Unemployment in Shelby County is 3.9%, close to the national average of 4.3%. That's the county-wide rate; BLS doesn't measure a place this size on its own.
Shelby County (county-wide)
Safety▼ 83% below US
55 violent crimes per 100k
Safety is genuinely one of the selling points here. Both violent and property crime run well below the national average, the kind of numbers that fade into the background after a week of living somewhere.
Property crime 768/100k · Shelbyville Police Department · 2025 data
Getting aroundNear US average
27 min average commute
Commutes run about average, at 26.9 minutes. Fine day to day, but it adds up over a year, and where someone lives relative to where they work starts to matter. 9 in 10 workers drive to work; 11% work from home.
How workers get to work
Climate
Summers are warm, with highs around 87°F, and winters are cold, with lows around 22°F and snow a regular occurrence. Rainfall is regular throughout the year.
Average month
30-year averages, 1991–2020
Healthcare
1 hospital
There's one Medicare-certified hospital inside city limits, rated 3.0 out of 5 by Medicare. Hospitals in neighboring towns aren't counted here.
Medicare-certified hospitals
Education & workforce▼ 26% below US
27% bachelor's degree or higher
College degree attainment runs below average at 27%. That tends to reflect a more trade and working-class economy, which can be great or limiting depending on the industry.
Schools
6 public schools inside the boundary
There are 6 public schools inside the boundary. The student-to-teacher ratio is 16:1, close to the national average of 16:1.
Parks & recreation
The nearest national park or historic site is Camp Nelson National Monument (45 miles away). There are 6 national parks and sites within a day's drive.
Bottom line
Shelbyville's strongest points are rent below the national average and home prices that remain within reach; the main tradeoffs are cold winters and a car-dependent commute, with few people using transit. A year of median rent ($1,033/mo) equals 16% of the median household income here, less than the 21% typical nationwide. It tends to suit people watching their budget and anyone prioritizing low crime.
Other places near Shelbyville
All Kentucky guides →Moving to La Grange →
15 mi away · pop. 10,311
Rent $1,143/mo · Income $88,464
Compare with Shelbyville →Moving to Jeffersontown →
18 mi away · pop. 29,199
Rent $1,320/mo · Income $81,506
Compare with Shelbyville →Moving to Frankfort →
20 mi away · pop. 28,503
Rent $944/mo · Income $53,073
Compare with Shelbyville →Not sure Shelbyville is the one?
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