| Index | Shelbyville | Tennessee | National |
| Cost of living | 92 | 92 | 100 |
| Groceries | 98 | 98 | 100 |
| Health care | 96 | 97 | 100 |
| Housing | 77 | 80 | 100 |
| Transportation | 99 | 97 | 100 |
| Utilities | 101 | 98 | 100 |
| Lifestyle & Entertainment | 92 | 97 | 100 |
| Household Items | 101 | 98 | 100 |
| Education & Childcare | 100 | 97 | 100 |
Are you thinking about relocating, but curious about the potential cost of living in Shelbyville? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Shelbyville stands at 92, making it 8% lower than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.
Everyday expenditures like food, housing, lifestyle expenses, transportation and health care in Shelbyville are priced in a manner consistent with other areas. This means that residents of Shelbyville can anticipate their daily expenses remaining reasonably similar to those in an average city, thereby supporting a manageable cost of living.
Is Shelbyville an affordable place to live? That's a valid question to ask when you're thinking about moving to a new city. After all, how much it costs to live somewhere can be a huge factor in your decision. Affordability can be broken down into 3 common categories. The cost of living index (we talked about it earlier), housing expenses and income levels all play a big role in figuring out if a place is affordable. For instance, in Shelbyville, the median home price is 24.8% lower than what most folks pay across the country, and monthly rent prices are 18.5% lower than the usual rates. Income levels in Shelbyville come in at $65,045, which is 20% lower than the national average.
Utilities: Similar to the prices of any goods or services, utility expenses can fluctuate widely, contingent on variables such as climate, available energy sources, geographical location and state regulations. Costs associated with electricity, water, heating, and waste disposal can differ in magnitude, depending on the specific city or state. In Shelbyville, the utilities index registers at 0.7% higher than the national average.
Urbanization: Larger, urban areas boasting abundant amenities and robust employment prospects often exhibit a heightened cost of living, driven by the increased demand for services and residential relocation. Consequently, this leads to elevated home prices and higher rental rates. In contrast, sparsely populated rural locales or regions marked by diminished demand typically offer a more limited range of amenities and experience slower job market expansion. This translates into a more affordable cost of living.
Housing: Elevated demand for housing within coveted locales has the propensity to escalate both property values and rental rates, thereby serving as a primary catalyst for an augmented cost of living. Conversely, areas witnessing diminished housing demand, particularly within less desirable environs, often experience an inversely proportional effect, leading to price reductions and subsequently contributing to a more modest cost of living. In Shelbyville, the housing index is 22.9% lower than the national average.
The Shelbyville cost of living data above is designed around a U.S. average baseline of 100, allowing for easy comparisons of relative living costs. Housing incorporates U.S. Census home price and rental data, while all other figures are AI-assisted estimates that account for regional price trends, climate, transportation dynamics, and common everyday expenses. These values are best used as directional city-to-city comparisons.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $84,891 | $7,074 | $1,981 | $2,547 |
| Renters | $56,461 | $4,705 | $1,317 | $1,694 |
| State | General Sales Tax | With Max Surtax |
| Tennessee | 7% | 9.75% |
| State | Income Tax (Low) | Income Tax (High) |
| Tennessee | 0% | 0% |
| City | Population | Cost of Living Index | National Avg. |
| Petersburg, TN | 531 | 82 | 18.2% |
| Wartrace, TN | 675 | 88 | 11.5% |
| Normandy, TN | 164 | 91 | 9.2% |
| Tullahoma, TN | 20,737 | 93 | 7.0% |
| Unionville, TN | 2,698 | 97 | 3.5% |
| Shelbyville, TN | 22,648 | 92 | 8.3% |
| City | Population | Cost of Living Index | National Avg. |
| East Patchogue, NY | 22,646 | 130 | 30.4% |
| Corcoran, CA | 22,663 | 108 | 7.6% |
| Belton, TX | 22,671 | 96 | 3.7% |
| King of Prussia, PA | 22,618 | 123 | 23.0% |
| Evans, CO | 22,678 | 115 | 15.2% |
| Shelbyville, TN | 22,648 | 92 | 8.3% |
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