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

Shelbyville$75,610
Kentucky avg$63,726
US$80,734

Median rent (per month)

Shelbyville$1,033
Kentucky avg$967
US$1,413

Median home value

Shelbyville$257,100
Kentucky avg$205,600
US$332,700

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

Drive alone
76%
Carpool
12%
Work from home
11%
Walk
0.5%
Other
0.4%

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

High °FLow °FPrecip (in)
10°30°50°70°90°5.5"Jan: 4.15" precipitationFeb: 3.78" precipitationMar: 4.65" precipitationApr: 4.03" precipitationMay: 5.17" precipitationJun: 5.24" precipitationJul: 4.10" precipitationAug: 3.69" precipitationSep: 3.45" precipitationOct: 3.51" precipitationNov: 3.52" precipitationDec: 4.53" precipitation20°JJan: high 42°F, low 20°FFFeb: high 47°F, low 21°FMMar: high 57°F, low 29°FAApr: high 68°F, low 38°FMMay: high 77°F, low 49°FJJun: high 85°F, low 58°F88°JJul: high 88°F, low 62°FAAug: high 87°F, low 58°FSSep: high 81°F, low 50°FOOct: high 69°F, low 40°FNNov: high 57°F, low 30°FDDec: high 46°F, low 24°F

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.

See all the data for Shelbyville →·All Kentucky cities →

Other places near Shelbyville

All Kentucky guides →

Not sure Shelbyville is the one?

Put it side by side with another city.

Compare Shelbyville →