Cost of Living in Shelby, MI

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14%
Overall NAT. AVG.
2%
Groceries NAT. AVG.
40%
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 Michigan National
Cost of living8691100
Groceries9898100
Health care9897100
Housing6076100
Transportation9496100
Utilities103100100
Lifestyle & Entertainment9396100
Household Items9698100
Education & Childcare9695100
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Homes For Sale In Shelby, MI

property for sale

287 Aspen Hill Dr

Shelby, MI
property for sale

1910 S 132nd Ave

Shelby, MI
property for sale

285 Aspen Hill Dr

Shelby, MI
property for sale

206 S 56th Ave

Mears, MI

Cost Of Living Quick Facts

  • The cost of living in Shelby is 6% lower than the Michigan average
  • The cost of living in Shelby is 14% lower than the national average
  • Shelby housing is 40% lower than the national average
  • Michigan general sales tax is 18% higher than the national average
  • Michigan state income tax is 64% higher than the national average

Most Affordable Places to Live in and Around Shelby

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Compare Shelby, MI Cost of Living

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      Utilities index
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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$91,754$7,646$2,141$2,753
      Renters$49,175$4,098$1,147$1,475

      Michigan Sales Tax

      State General Sales Tax With Max Surtax
      Michigan 6% 6%

      Michigan Income Tax

      State Income Tax (Low) Income Tax (High)
      Michigan 4.25% 4.25%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Walkerville, MI2718019.9%
      Hart, MI2,1918515.2%
      Rothbury, MI4118613.8%
      Montague, MI2,8698911.1%
      New Era, MI433918.8%
      Shelby, MI2,6278614.2%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Apalachicola, FL2,6271011.4%
      Lakeview Estates, GA2,6277920.8%
      Mattawan, MI2,627919.1%
      Stone Ridge, NY2,62713332.5%
      Swan Valley West, MB2,627n/a 
      Shelby, MI2,6278614.2%
      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.
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