Cost Of Living in Shelby, AL

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18%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

49%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Shelby	Alabama	National
Cost of living	82	89	100
Groceries	96	96	100
Health care	95	95	100
Housing	51	74	100
Transportation	98	95	100
Utilities	99	97	100
Lifestyle & Entertainment	92	94	100
Household Items	95	96	100
Education & Childcare	90	93	100

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Homes For Sale In Shelby, AL

18718 River Dr

Shelby, AL

38 Hill Vw

Shelby, AL

171 2nd Ave

Shelby, AL

0 County Road 400 Lot 1

Shelby, AL

Cost Of Living Quick Facts

The cost of living in Shelby is 8% lower than the Alabama average
The cost of living in Shelby is 18% lower than the national average
Shelby housing is 49% lower than the national average
Alabama general sales tax is 22% lower than the national average
Alabama state income tax is 23% lower than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$115,278	$9,607	$2,690	$3,459
Renters	$0	$0	$0	$0

Alabama Sales Tax

State	General Sales Tax	With Max Surtax
Alabama	4%	13.5%

Alabama Income Tax

State	Income Tax (Low)	Income Tax (High)
Alabama	2%	5%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Bon Air, AL	80	80	20.0%
Childersburg, AL	5,056	83	16.9%
Talladega Springs, AL	146	85	15.1%
Fayetteville, AL	1,132	86	14.2%
Jemison, AL	2,754	87	13.5%
Shelby, AL	1,012	82	18.0%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Summitville, IN	1,012	81	19.4%
Houston, MN	1,012	88	11.5%
Kenmare, ND	1,012	90	9.9%
Caliente, NV	1,012	86	14.3%
Beasley, TX	1,012	101	0.8%
Shelby, AL	1,012	82	18.0%

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

Cost of Living in Shelby, AL

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Median Income & Debt-To-Income Ratio

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