countyscore
48.7
County Score
Lawn Care 82.8Soil Quality 79Income & Jobs 67.2

County Report Card

About Shelby County, Indiana

Shelby County Near National Median

Shelby County scores a 48.5, placing it just slightly below the national median of 50.0. While it faces some challenges, it remains within the typical range for American communities.

Room to Grow in Indiana

The county's 48.5 score trails the Indiana state average of 55.9. It currently works to balance the pressures of proximity to Indianapolis with the needs of its local infrastructure.

Solid Incomes and Clean Water

Shelby County performs well in income with a score of 69.6 and a median household income of $71,301. It also maintains good environmental standards, with a Water Score of 63.2.

Safety and Cost Concerns

The Safety Score of 43.1 and Cost Score of 31.5 are primary areas for improvement. With a median gross rent of $956, housing costs are higher than many neighboring rural counties.

Strategic Choice for Commuters

Shelby County is best suited for workforce families who need proximity to regional job hubs. The higher incomes available in the county help offset the costs and safety challenges of its more urbanized areas.

2040608010064.431.543.152.545.967.256.663.260Tax64.4Cost31.5Safety43.1Health52.5Schools45.9Income67.2Risk56.6Water63.2Weather6048.7/100
This county
National avg
2 above average2 below average

Shelby County DNA

Foverall

How Shelby County compares to the national average across nine baseline dimensions

Shelby County is a tale of two counties — exceptional in Income (67.2/100) but notably weak in Cost of Living (31.5/100). This polarized profile creates distinct trade-offs for residents.

Dimension Breakdown

Tax
64.4+12.400000000000006
Cost
31.5-16.5
Safety
43.1-11.899999999999999
Health
52.5
Schools
45.9-8.100000000000001
Income
67.2+16.200000000000003
Risk
56.6+9.600000000000001
Water
63.2
Weather
60
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Compare mortgage rates in Shelby County

Whether buying or refinancing in Shelby County, compare rates from top lenders to find the best deal.

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Can You Afford to Live Here?

Median Home Price

$212,400

National median: $185,300

Median Rent

$987/mo

National median: $877/mo

Income Needed (home)

$212,400/yr

28% front-end rule

Income Needed (rent)

$39,480/yr

30% rent rule

Affordability Spectrum2.9x income
AffordableNational avgExpensive
Local median income: $72,190/yr
Compare Mortgage Rates

Economic & Education Snapshot

Primary Care

2.2

per 100K

Data from Federal Reserve (FRED), U.S. Department of Education College Scorecard, and CMS NPPES.

Deep Dives

Shelby County across the ByCounty Network

Detailed analysis from 9 data dimensions — each powered by a dedicated ByCounty site.

Property Tax in Shelby County

via TaxByCounty

Shelby's taxes run below national average

Shelby County's effective tax rate of 0.705% ranks in the bottom 35% of U.S. counties. The median property tax of $1,327 remains less than half the national median of $2,690.

Slightly above Indiana's state average

At 0.705%, Shelby County's effective rate sits slightly above Indiana's state average of 0.671%, placing it in the upper-middle range among the state's 92 counties. The median tax of $1,327 exceeds the state median of $1,199, reflecting higher home values of $188,300.

Among region's highest rates

Shelby's 0.705% rate ranks second-highest in the region after Randolph (0.831%), exceeding Posey (0.628%), Ripley (0.576%), and Putnam (0.475%). However, median home values of $188,300 are moderate, keeping absolute tax bills competitive within the central Indiana context.

Your annual Shelby property tax bill

On a median home valued at $188,300, the annual property tax is $1,327 (roughly $111 monthly). Homeowners with mortgages pay closer to $1,407; those without mortgages, approximately $1,157.

Challenge your assessment if warranted

With one of the region's higher effective tax rates, Shelby County residents should especially verify their property assessments against market values. An appeal could provide tangible relief if your home's assessed value exceeds comparable recent sales.

Income & Jobs in Shelby County

via IncomeByCounty

Shelby County slightly below U.S. median

Shelby County's median household income of $71,301 trails the U.S. median of $74,755 by $3,454 (4.6%), placing it just below the national typical household. The county reflects solid middle-income performance with modest room for improvement.

Above Indiana's state average

Shelby County's $71,301 median income surpasses Indiana's state average of $68,681 by $2,620 (3.8%), ranking it among the state's moderate earners. Per capita income of $35,637 also exceeds Indiana's average of $34,773, indicating relatively balanced wealth distribution.

Mid-tier regional performer

Shelby County's $71,301 income matches Ripley County and ranks ahead of Randolph, Rush, and Scott counties, but trails Putnam ($76,182) and Posey ($79,124). The county provides decent earning opportunity relative to most of its neighbors.

Watch housing cost pressure

Shelby County's rent-to-income ratio of 16.1% slightly exceeds the 15% affordability threshold, suggesting housing costs are a tighter squeeze than in wealthier counties. The median home value of $188,300 remains within reach but requires disciplined saving.

Leverage stability for growth

Above-average state income and manageable housing create a platform for Shelby County residents to invest. Contribute consistently to employer retirement plans, consider an IRA for additional retirement savings, or explore real estate investment through home equity as wealth builds.

Safety in Shelby County

via CrimeByCounty

Shelby County Remains Safer Than US Average

Shelby County’s total crime rate of 1283.9 per 100K is roughly half the national average of 2,385.5. This earns the county a respectable safety score of 98.0.

A Moderate Safety Score Within Indiana

The county's safety score of 98.0 is slightly below the Indiana state average of 98.9. This reflects a more active crime environment than some of its rural neighbors.

Comparing Shelby to Nearby Counties

Shelby County sees more reported crime than neighbors like Rush and Putnam, which reported zero incidents. However, its rate remains significantly lower than many urban areas nationwide.

Property Crime Drives Local Numbers

The violent crime rate is 247.0, but property crime is much higher at 1036.9 per 100K residents. Theft and property damage are the most frequent issues handled by the two reporting agencies.

Protecting Your Assets in Shelby

Investing in a home security system and high-quality locks can help mitigate the risk of property crime. Residents should stay vigilant and report suspicious activity to help lower local rates.

Weather & Climate in Shelby County

via WeatherByCounty

Classic Mid-American Weather Patterns

Shelby County averages 53.5°F annually, sitting right in line with the national median for temperate climates. The region experiences distinct seasonal transitions throughout the year.

Slightly Above the Indiana Average

At 53.5°F, Shelby County is warmer than the state average of 52.2°F. It serves as a middle-ground climate between the colder north and the hot southern counties.

Cooler Than the Far South

Shelby County remains cooler than southern neighbors like Switzerland County, which reaches 56.6°F. It is nearly four degrees warmer on average than the snowy northern counties like Starke.

Steady Snowfall and Summer Heat

Residents see an average of 17.3 inches of snow annually, mostly falling during the 31.7°F winters. Summer brings 20 extreme heat days where temperatures top 90°F.

Prepare for Moderate Winter Maintenance

Keep a reliable snow shovel and salt on hand for the 17-inch annual snowfall. Budget for air conditioning during the 20 days of extreme summer heat.

Soil Quality in Shelby County

via SoilByCounty

Shelby’s Neutral and Robust Soils

Shelby County features an average pH of 6.59, which is slightly higher than the national 6.5 median and more neutral than the 6.08 state average. This makes it one of the more chemically balanced counties in Indiana for general plant health. The soil provides a versatile foundation for both large-scale agriculture and home landscaping.

Silt and Sand for Easy Tilling

The soil mix contains 31.5% sand, 47.4% silt, and 19.2% clay. The higher sand content compared to neighboring counties makes these soils easier to till and allows for better drainage. This balanced texture prevents the ground from becoming too sticky or too loose.

Rich Organic Matter and High Scores

Organic matter levels are strong at 3.94%, nearly double the national average of 2.0%. Although the available water capacity of 0.199 is just below the state average, the high soil score of 79.0 reflects its overall quality. This land is naturally predisposed to produce high yields with standard management.

Well-Drained Land for Healthy Roots

Classified as well drained, Shelby's soil is excellent at moving excess water away from plant roots. This reduces the risk of fungal diseases and allows for more flexible timing for spring planting. It is a highly desirable trait for farmers and homeowners alike who want to avoid soggy yards.

A Gardeners Paradise in Zone 6a

With a 6a hardiness rating and a near-perfect pH, Shelby County is a great place to start a diverse garden. You can grow a wide range of vegetables and flowers without the constant need for chemical adjustments. From sweet corn to roses, almost everything thrives in this well-balanced soil.

Lawn Care in Shelby County

via LawnByCounty

Indiana's Top Lawn Environment

Shelby County is a premier location for lawn care, boasting a difficulty score of 82.8. This is one of the highest scores in the state, making it far easier to maintain a yard here than the national average of 50.0.

Perfect Balance of Heat and Rain

With 44.0 inches of rain and 20 extreme heat days, Shelby County perfectly tracks the state's climatic averages. The 3,640 growing degree days provide an ample and predictable schedule for seasonal lawn maintenance.

Superior Drainage and Ideal pH

Lawns benefit from a near-perfect pH of 6.59 and well-drained soil conditions. With 31.5% sand content, the soil allows for excellent root oxygenation while maintaining enough clay to hold vital nutrients.

Stable Moisture Conditions

Shelby County is currently drought-free, having faced only 9 weeks of dry conditions over the past year. This lack of water stress makes it much simpler to maintain a vibrant green color throughout the summer months.

Prime Planting in Shelby

The Zone 6a climate is perfect for diverse grass blends including Kentucky Bluegrass and Perennial Ryegrass. Start your lawn after the last frost on April 17 and enjoy a long growing season until the October 23 frost.

Frequently Asked Questions

What is Shelby County's county score?
Shelby County, Indiana has a composite county score of 48.7 out of 100 on CountyScore. This score is calculated from a weighted average of available data dimensions including property tax, cost of living, income, safety, health, and schools.
How does Shelby County rank among counties in Indiana?
Shelby County ranks #74 among all counties in Indiana on CountyScore's composite ranking. Rankings are based on available data dimensions and updated as new data is added.
What are property taxes like in Shelby County, Indiana?
The median annual property tax in Shelby County is $1,412, with an effective tax rate of 0.66%. This earns Shelby County a tax score of 64.4/100 on CountyScore (higher = lower taxes).
What is the median household income in Shelby County?
The median household income in Shelby County, Indiana is $72,190 per year according to U.S. Census Bureau data. Shelby County earns an income score of 67.2/100 on CountyScore.
Is Shelby County, Indiana a good place to live?
Shelby County scores 48.7/100 on CountyScore's overall county ranking, ranking #74 in Indiana. The best way to evaluate Shelby County is to compare individual dimension scores — property tax, cost of living, income, safety, health, and schools — based on your personal priorities. Use CountyScore to compare Shelby County with other counties side by side.
By Evan Brooks, Data EditorUpdated Reviewed by Evan Brooks, Data Editor

ByCounty Network

Data from U.S. Census Bureau ACS, FBI UCR, CDC, FEMA NRI, NCES, EPA SDWIS, NOAA — informational only.