What is the cost of living in Shelbyville, KY?
According to the most recent data on the cost of living, Shelbyville has an overall cost of living index of 99, which is 1.0x lower than the national index of 100.
Compared to Kentucky, Shelbyville has a cost of living index that's 1.1x higher than Kentucky's index of 89.
The standard of living in Shelbyville ranks as #69 most affordable out of the 85 places we measured in Kentucky. By definition, that implies Shelbyville ranks as the #16 most expensive place in the Bluegrass State.
For more reading on life in Shelbyville, check out:
Shelbyville Cost Of Living Vs. Kentucky
Six factors go into calculating the cost of living index in Shelbyville. Here is how it fares on each of the criteria:
The Services index in Shelbyville is 96.
The Groceries index in Shelbyville is 96.
The Health index in Shelbyville is 99.
The Housing index in Shelbyville is 97.
The Transportation index in Shelbyville is 101.
The Utilities index in Shelbyville is 93.
| Living Expense | Shelbyville | Kentucky | National Average |
|---|---|---|---|
| Overall | 99 | 89 | 100 |
| Services | 96 | 100 | 100 |
| Groceries | 96 | 98 | 100 |
| Health | 99 | 68 | 100 |
| Housing | 97 | 98 | 100 |
| Transportation | 101 | 95 | 100 |
| Utilities | 93 | 96 | 100 |
Shelbyville Cost Of Living Compared To Kentucky Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Kentucky, check out:
Protect your home budget Compare home warranties in Shelbyville Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Shelbyville, KY Housing Cost Breakdown
Housing swings affordability the most between places in Kentucky, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Shelbyville is $305,922.
The Median Rent in Shelbyville is $1,033.
The Median Income in Shelbyville is $75,610.
The Home Value To Income in Shelbyville is 4.0x.
The Rent To Monthly Income in Shelbyville is 0.16x.
| Statistic | Shelbyville | Kentucky | United States |
|---|---|---|---|
| Median Home Value | $305,922 | $231,894 | $332,700 |
| Median Rent | $1,033 | $967 | $1,413 |
| Median Income | $75,610 | $63,726 | $80,734 |
| Home Value To Income | 4.0x | 3.6x | 4.1x |
| Rent To Monthly Income | 0.16x | 0.18x | 0.21x |
Shelbyville, KY Costs By Category
Detailed Shelbyville Services costs vs. Kentucky
| Item | Shelbyville | Kentucky |
|---|---|---|
| Shampoo | $1.21 | $1.28 |
| Movie | $13.05 | $12.13 |
| Bowling | $21.91 | $18 |
| Haircut | $26.5 | $24.26 |
| Beauty Salon | $53.07 | $45.56 |
Detailed Shelbyville Groceries costs vs. Kentucky
| Item | Shelbyville | Kentucky |
|---|---|---|
| Ground Beef | $6.07 | $5.84 |
| Fried Chicken | $1.4 | $1.57 |
| Milk | $4.72 | $4.67 |
| Potatoes | $5.19 | $4.93 |
| Pizza | $10.35 | $12.09 |
| Beer | $9.84 | $10.41 |
| Toothpaste | $3.5 | $3.7 |
Detailed Shelbyville Health costs vs. Kentucky
| Item | Shelbyville | Kentucky |
|---|---|---|
| Optometrist | $87.52 | $125.68 |
| Doctor | $106.15 | $135.78 |
| Dentist | $102.55 | $113.29 |
Detailed Shelbyville Transportation costs vs. Kentucky
| Item | Shelbyville | Kentucky |
|---|---|---|
| Gasoline | $3.11 | $3.46 |
| Tire Balancing | $58.38 | $59.92 |
Detailed Shelbyville Utilities costs vs. Kentucky
| Item | Shelbyville | Kentucky |
|---|---|---|
| All Electricity | $207.41 | $193.99 |
| Phone | $192.46 | $192.25 |
Shelbyville SnackAbility
Cost Of Living In Cities Around Shelbyville
The cost of living varies in the cities and towns around Shelbyville. Here's a quick look at the cost of living in the most populous nearby places:
Jeffersontown, KY has a cost of living index of 101, 1.0x Shelbyville.
Frankfort, KY has a cost of living index of 91, 0.9x Shelbyville.
Lyndon, KY has a cost of living index of 103, 1.0x Shelbyville.
| City | Population | Cost Of Living | Vs. Shelbyville |
|---|---|---|---|
| Jeffersontown, KY | 29,199 | 101 | 1.0x |
| Frankfort, KY | 28,503 | 91 | 0.9x |
| Lyndon, KY | 11,030 | 103 | 1.0x |
| La Grange, KY | 10,311 | 97 | 1.0x |
| Middletown, KY | 9,763 | 108 | 1.1x |
| Crestwood, KY | 6,356 | 107 | 1.1x |
| Douglass Hills, KY | 5,474 | 107 | 1.1x |
