← Map/← Indiana/Counties/Shelby

Shelby
Indiana

45K

Population

$66K

Median Income

$244K

Median Home

R+48

Politics

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What stands out

Against every county in America, Shelby County is unusual in two ways: the school test score is in the top 5% of American counties (3.49 where 3.0 is grade level) and winter sunshine is in the bottom 14% of American counties (-0.8 on the USDA scale). Within Indiana it ranks 17th of 92 counties for the school test score.

Where you are

You live in Shelby County, Indiana. 44,940 people live here with you. The population held steady at 0.1% last year, and more Americans moved out than in (net -14).

Indiana has a flat income tax just under 3% and most counties add their own income tax on top, typically 1% to 2.5%. Property taxes are capped by the state constitution at 1% of assessed value for homesteads. Indianapolis, Fort Wayne and the Chicago suburbs in Lake County account for most of the growth; the rest of the state is affordable and slow-changing.

Money

The typical household here brings in $66,449 a year, higher than 66% of American counties. Employers pay an average wage of $56,974. Unemployment runs 2.5%, lower than 84% of American counties. 8% of workers work from home.

Indiana takes 3.0% of that median income in state income tax, about $1,960 a year.

Home

The median home costs $245K, pricier than 54% of American counties, about 2.1 years of the median household's income. A two-bedroom rents for around $899 a month. Property tax is 0.71% of home value, roughly $1,203 a year on that median home, lower than 64% of American counties. 73% of households own rather than rent.

Safety and health

Violent crime here is 3.7 per 1,000 residents, lower than 59% of American counties. Drug overdoses killed 29 people per 100,000 in 2024, one of the harder-hit counties in the country.

A child born here can expect to live 75.6 years, shorter than 53% of American counties. There are 43 active physicians in the county, about 9.6 per 10,000 people. Medicare rates the local hospitals 4.0 of 5 stars. 8.1% of people under 65 have no health insurance.

School

Local students test at grade level 3.32 where 3.0 is national grade level, higher than 95% of American counties. 89% of adults finished high school.

Neighbors and politics

In 2024 your neighbors voted Republican by 48 points, among the most lopsided counties in the country. 59% of eligible voters turned out. Under Indiana law you can carry a concealed handgun without a permit, abortion is banned with narrow exceptions, and marijuana is illegal.

Weather and risk

The year averages 54°F, highs near 64 and lows near 44, colder than 58% of American counties. About 44 inches of rain and snow fall a year. FEMA puts natural-hazard risk at 53 out of 100, riskier than 53% of American counties; the county has had 15 federal disaster declarations since 1953.

Getting around, going out

Home internet averages 207 Mbps down, faster than 54% of American counties. There are 7 airports in the county, counting general aviation. For a night or a weekend out: 0.7 full-service restaurants per 1,000 people.

Written from the figures below. Percentiles compare this county with every other county that reports the same figure; missing figures are left out rather than guessed.

Economy

Median Household Income$66K
This county
national avg ~$75K
Poverty Rate14.1%
This county
national avg ~11.5%
Unemployment Rate2.5%
This county
national avg ~3.8%
GDP per Capita$62,892
Federal Spending per Capita$214
Median Individual Earnings$43K
This county
national avg $45K
Professional/Management Workers32.4%
Average Adjusted Gross Income$69K
Avg Credit Score671
Work From Home %7.7%
This county
national avg 17.0%
Population Under 1822.5%
This county
national avg 22.0%
Single-Person Households28.3%
This county
national avg 28.0%
Banks & Finance Firms19
Income (20th Percentile)$29K
Income (80th Percentile)$121K
Income (95th Percentile)$209K
Bachelor's Degree or Higher19.6%
This county
national avg 34.3%
Less Than High School10.9%
This county
national avg 11.0%
Knowledge Economy GDP %5.7%
Dependency Ratio0.67
Medicare Spending / Person$3,269
SS Benefits / Person$4,417
Education Wage Premium1.58x
Median Earnings (Bachelor's)$56K
Median Earnings (Graduate)$66K
Median Earnings (HS Diploma)$42K
Public Assistance Recipients2.1%
Average Annual Wage$57K
Professional Services Concentration0.49x national
This county
1.0 = national average share
Federal Government Jobs Located Here120
Federal Share of Jobs Located Here0.6%
Residents Who Work for the Federal Government1.6%
Federal Civilian Share of Earnings0.9%
Federal Contract Dollars Performed Here (FY2025)$2M
Contract Dollars Relative to Local Wages0.00x wages
Largest Award's Share of Contract Dollars16%
Oil and Gas Share of Earnings (incl. proprietors)0.0%

Housing

Sources: Zillow ZHVI · Census ACS 2022 · Tax Foundation 2023 (effective rates)

Median Home Value$244K
This county
$240K state avg
$303K national
Median Sale Price$212K
This county
$303K national
Market Rent (ZORI)$1238/mo
This county
$1100/mo state avg
$1400/mo national
Property Tax Rate0.71%
This county
0.71% state avg
1.10% national

Annual tax on median home: $1,203

Affordability & Supply

HUD Fair Market Rent (2BR)$1,473/mo
Home Price Change (1 yr)+7.0%++4.2% since 2024
Home Value to Income Ratio2.1x income
Severely Cost-Burdened Households8.3%
Homeownership Rate72.6%
This county
national avg ~65%

Market Activity

Sources: Zillow Research monthly · Redfin

Sale-to-List Ratio— Buyers market — homes selling below list
95.5%
Listings with Price Cuts— High — sellers are negotiating
27.7%
Sold Above List Price
11.0%
Median Days to Close
31 days
Active Listings
112
New Listings / Month
40

Source: Zillow Research · Updated monthly

Days on Market (Redfin)— Average pace
33 days
Months of Supply (Redfin)— Low inventory — sellers market
2.0 mo
Sold Above List (Redfin)
24.5%

Sale-to-List Cross-Reference

Zillow 95.5%  ·  Redfin 97.8%

Source: Redfin · Updated monthly

Health

Life Expectancy75.6 yrs
This county
national avg ~78.5 years
Hospital Rating4.0 / 5
This county
national avg 3.0 stars
Food Insecurity10.0%
This county
national avg ~11%
Food Environment Index8.2 / 10
This county
higher = better access
Primary Care Shortage Score0
This county
national avg 5
Mental Health Shortage Score14
Dental Care Shortage Score0
Healthcare Shortage Score4.7
Healthcare Offices58
Obesity Rate (BRFSS)41.0%
This county
national avg 32.0%
Smoking Rate (BRFSS)18.1%
This county
national avg 14.0%
Poor Health Rate (BRFSS)20.3%
This county
national avg 18.0%
Physical Inactivity (BRFSS)24.8%
This county
national avg 24.0%
High Blood Pressure (BRFSS)35.1%
This county
national avg 32.0%
Active Physicians43
Nursing Home Rating3.2 / 5
This county
national avg ~3 stars
ER Visits per 1,000 Medicare Patients743 / 1,000
Medicare Cost per Beneficiary$13,432
Uninsured (under 65)8.1%
This county
national avg ~10%
Adults with Depression28.0%

Education

Math Test Scores3.49 grade level
Reading Test Scores3.14 grade level
HS Diploma Holders11,104
Bachelor's Degree Holders4,206
HS Completion Rate89.1%
This county
national avg ~85%

Safety

Violent Crime Rate3.7 / 1,000
This county
national avg ~4.0
Firearm Fatality Rate13.4 / 100K
This county
national avg ~13.6/100K
Drug Overdose Rate33.4 / 100K
This county
national avg ~21/100K
Traffic Fatalities7
Social Vulnerability (CDC SVI)28th pct
Drug Overdose Deaths (2024)28.7 / 100K
Suicide Rate19.6 / 100K
This county
national avg ~14/100K

Climate & Air Quality

Natural Amenity Scale-3.8
January Sunshine-0.80
January Temperature-0.33
Average Temp54°F+0.6% since 2022
Avg High Temp64°F+0.3% since 2022
Avg Low Temp44°F+0.9% since 2022
Median AQIAQI 37
Good Air Days317 days/yr
Unhealthy Air Days4 days/yr
Annual Precipitation43.7 in/yr+10% since 2022
Avg Storm Events9.6 storms/yr
Avg Annual Storm Damage$147K
Ozone Days359 days/yr
This county
national avg 50 days/yr
Drought Index (2022)-0.31
Heating Degree Days5,266 HDD/yr
This county
national avg ~4,500 HDD/yr
Cooling Degree Days1,144 CDD/yr
This county
national avg ~1,200 CDD/yr
Heating Degree Days (1901–2000 Baseline)5,628 HDD/yr
Cooling Degree Days (1901–2000 Baseline)982 CDD/yr
Avg Tornadoes / Year0.8
Avg Flood Events / Year1.4
Avg Hail Events / Year0.8
Avg Hurricane Events / Year0.00
Avg Wildfire Events / Year0.0
Avg Winter Storms / Year0.0
Avg Heat Events / Year0.0
Natural Hazard Risk (FEMA)53 / 100
Community Resilience (FEMA)84 / 100
Federal Disaster Declarations15 since 1953
Fine Particulate Pollution (PM2.5)8.9 µg/m³
This county
EPA standard 9 µg/m³

Outdoor & Recreation

Historic Places (NRHP)15 properties
FAA-Registered Airports8 total
Airports (excl. heliports)7 airports

Internet & Remote Work

Download Speed207 Mbps
This county
national avg ~120 Mbps
Upload Speed66 Mbps
Fixed Internet (Q1 2026)222 Mbps
Mobile Internet (Q1 2026)312 Mbps
Mobile Upload (Q1 2026)22 Mbps
Mobile Latency (Q1 2026)29 ms
Households with 100Mbps+96.7%
This county
national avg 75.0%
Cellular-Only Internet16.1%
This county
national avg 8.0%
Fixed Upload Speed (Q1 2026)92 Mbps

EV Infrastructure

EV Charging Stations8 stations
DC Fast Chargers21 chargers
Level 2 EV Chargers7

Commute & Transit

Remote Workers1,660 workers
Public Transit Commuters18 workers
Walk to Work (workers)361 workers
Extreme Commutes (90+ min)292 workers
Bike Commuters0.6%
Walk to Work1.7%

Agriculture

Farms191 farms
Farmland46,634 acres

Families & Childcare

Childcare Cost Burden27.2%
This county
national median ~27% of household income
Childcare Centers4.3 per 10K residents
Childcare Facilities8

Civic & Community

Voter Turnout59.3%
This county
national avg ~55%
Volunteering Rate1.0%
Income Inequality (Gini)4.164
Nonprofit Organizations216
Veterans Share7.1%
This county
national avg 7.0%
Married Adults56.9%
Never-Married Adults23.3%
Divorced Adults13.2%
Religious Organizations34
Asian Population0.9%
Membership Associations11.5 per 10K residents

Lifestyle & Services

Full-Service Restaurants0.67 per 1K residents
Nursing & Care Facilities14
Grocery Stores6
Arts & Entertainment Venues7
Hotels & Lodging7
Recreation Businesses6
Professional Services Firms60
Veterinary Practices7
Real Estate Firms37
Debt Burden
Avg Mortgage Balance$64K
Avg Student Loan Balance$10K
Avg Credit Card Balance$4K
Loan Delinquency Rate49.5%
This county
national avg 4.0%

Innovation

Inventor Rate0.25%

Politics

R+48

2024 Presidential · Indiana was R+19 statewide

vs Indiana State

Income tax
3.05%Same (state law)
Property tax
0.71%0.71% state avg
Politics
R+48R+19
COL Index
87state index (no county figure)

Population & Migration

Net Domestic Migration 2023

↓ -14

More people leaving than arriving

IRS Wealth Migration

Lower-income migration pattern (IRS: 0.77x avg income)

Economic Mobility

40%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Shelby County

Median home value: $245K

View on Zillow →View on Realtor.com →

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Full Indiana profile

Taxes, cost of living, crime, schools, gun laws and more.

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Data: Census ACS, BLS, Zillow, USDA Natural Amenities, OpenElections 2024, CMS, NCES. Vintage 2022–2025. News via Google News.

Your Priorities

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Quick Profiles

Dial in your priorities

Annual Income

$150K

Affects effective income tax rate

$0$500K$5M+

Retirement Savings

$0

Affects pension and SS tax burden

None$500K$10M+

Social Security

None

Annual Social Security benefit

None$150K/yr

My Property Is Worth

$400K

Affects property tax burden

Tax burden ↓$1M$50M+

Home Buying Budget

$400K

Compared to state median home price

Hard to find$250K$5M+

Monthly Rent Budget

Don't care

Compared to state median 2BR rent

Don't care$10K/mo

Job Market

Don't care

State unemployment and job growth

Don't careHot market

Airport Access

Don't care

Direct flight destinations from state hubs

Don't careMust have hub

City vs Country

Mid-size city

% urban population

Deep countryBig city

Sunshine

Don't care

Annual sunny days per state

Don't careMax sunshine

Food Scene

Don't care

Restaurants per 100K residents

Don't careWorld-class

Political Preference

Neutral

State's political lean

LiberalConservative

Gun Laws

Neutral

State gun law grade (Giffords)

Gun Control2A Freedom

Abortion Access

Neutral

State abortion access policy

Pro-ChoiceNeutralPro-Life

Community

None

Congregations per 100K residents

AvoidDon't careSeek

Sports & Entertainment

Don't care

Pro sports teams and major venues

Don't careMust have pro teams

Cannabis Laws

Neutral

State cannabis legality

Prefer LegalNeutralPrefer Prohibition

Retiree Community

Neutral

% population 65+ (Census)

Young areaRetirement-heavy

Dating Market

Neutral

% adults never-married (Census)

Singles sceneFamily community

Safety / Low Crime

Don't care

Violent crime rate per 100K (FBI)

Don't careVery safe

School Quality

Don't care

K-12 rank (Education Week)

Don't careTop-ranked

Healthcare Access

Don't care

Healthcare system rank (Commonwealth Fund)

Don't careTop-ranked

Childcare Affordability

Don't care

Cost of living proxy for childcare affordability

Don't careMust be affordable