Cost of Living in Shelbyville, IL

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15%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
45%
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 Shelbyville Illinois National
Cost of living8598100
Groceries98100100
Health care99100100
Housing5595100
Transportation100101100
Utilities10099100
Lifestyle & Entertainment94100100
Household Items98100100
Education & Childcare96100100
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Homes For Sale In Shelbyville, IL

property for sale

723 County Highway 6

Shelbyville, IL
property for sale

1980 E 1700 North Rd

Shelbyville, IL
property for sale

313 N Wood St

Shelbyville, IL
property for sale

715 W South 2nd St

Shelbyville, IL
See the Newest Homes For Sale In Shelbyville, IL

Cost Of Living Quick Facts

  • The cost of living in Shelbyville is 13% lower than the Illinois average
  • The cost of living in Shelbyville is 15% lower than the national average
  • Shelbyville housing is 45% lower than the national average
  • Illinois general sales tax is 22% higher than the national average
  • Illinois state income tax is 91% higher than the national average

Most Affordable Places to Live in and Around Shelbyville

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Compare Shelbyville, IL Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      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$87,933$7,328$2,052$2,638
      Renters$44,100$3,675$1,029$1,323
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Shelbyville, IL, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Shelbyville, homeowners have a median income of $87,933. Using that number, a maximum of $2,052 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $44,100, which means there is a maximum of $1,029 to be spent on the costs of renting a home or apartment.

      Illinois Sales Tax

      State General Sales Tax With Max Surtax
      Illinois 6.25% 10.25%

      Illinois Income Tax

      State Income Tax (Low) Income Tax (High)
      Illinois 4.95% 4.95%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Westervelt, IL34982.1%
      Cowden, IL5497921.0%
      Herrick, IL3818020.3%
      Tower Hill, IL6658119.1%
      Assumption, IL1,1998218.0%
      Shelbyville, IL4,3378514.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Guysborough, NS4,337n/a 
      China Grove, NC4,336918.8%
      Jersey Shore, PA4,336928.0%
      Nipawin, SK4,338n/a 
      Groesbeck, TX4,3398713.1%
      Shelbyville, IL4,3378514.9%
      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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