Shelby
Solid value in a growing area
Median $217K·Walkability 4.4/10·Schools 5.7/10
Out here, you're working with older homes—many built in the 1930s and earlier—that sit on generous lots with real yard space, the kind of property where a walkout basement and a big backyard aren't luxuries but standard issue. The houses tend toward three or four bedrooms with room to expand, and the listings tell you what matters: updated kitchens, finished basements, decks, patios, sunrooms—work that's been done by owners who plan to stay put. A few are solid moves; others are projects that need flooring, siding, or a new furnace, but the bones are there if you're willing to put in time. The main street keeps things accessible—you can walk to the store, school, and downtown without much fuss—and the quiet streets mean you're not far from the everyday stuff you need, just in a place where the houses actually have character instead of being stamped out all at once.
Why people love it here
$217K median
- 27 sales in last 12mo
Notable nearby
Conventional Mortgage Calculator
Median home price in Shelby
Estimated Monthly Payment
$1,473/mo
Property tax and insurance are estimates you can edit — not a quote. Tap either figure to enter your own.
The interest rate shown is not an annual percentage rate (APR). Rate displayed is the current average 30-year fixed rate from the Freddie Mac Primary Mortgage Market Survey and is subject to change without notice. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Opportunity. NMLS Consumer Access. Not a commitment to lend. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.
27 homes sold in Shelby this year. Thinking of selling?
See what your home is worthWalkability
Fair
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
The Pizza Factory
Monument Park
Unnamed playground
Moody Lake
Oak Trail
Hart-Montague Bicycle Trail
Shelby Public Library
Based on 3 rated schools nearby
Range: 4/10 to 7/10
School District: Shelby Public Schools
Crime in Shelby is reported at the city level, not the neighborhood level. The FBI doesn't publish reliable crime rates for individual neighborhoods, and within any community crime varies street to street. For an accurate, comparable picture, see the jurisdiction-wide figures for Oceana County.
Oceana County crime & safety stats →To buy a median-priced Shelby home (around $217,000) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $38k/year in household income to qualify — an estimated monthly payment of $1,443 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,443/mo | $38,489 |
| 10% (+PMI) | $1,662/mo | $44,313 |
| 5% (+PMI) | $1,735/mo | $46,260 |
Estimates use a 6.49% 30-year fixed rate (current Freddie Mac average), an aggressive ~45% housing-to-income ratio (roughly what FHA underwriting can allow for a buyer with no other monthly debts — your number depends on your debts and credit), this area's median sale price, plus estimated insurance and PMI below 20% down. Not a commitment to lend, and not an APR — your actual rate and payment will vary.
Land for sale
Listings
4 parcels
Active / pending
Typical Land Value
$16K/acre
Median asking
Median Price
$20K
Per listing
Local Government · area-wide
Shelby Township (Oceana County)
Source: shelbytownshipoceana.com · unconfirmed
Association and local-government details are compiled from public records, municipal sites, and state registries, and can change. Confirm directly with the association or municipality before relying on them.
Solar potential
~$912/yr in electricity from a typical rooftop solar system
Produces ~6,382 kWh/yr · offsets ~61% of a typical home's use
Municipal / public water
Based on assessor parcel records
Municipal sewer
Based on assessor parcel records
Resident-arranged private hauler; Oceana County transfer/recycling
No township municipal collection; county transfer/recycling available
Consumers Energy · ~14.3¢/kWh
Consumers Energy serves Shelby village/corridor; Great Lakes Energy in pockets
Confirm by addressNo piped natural gas (propane/LP)
Largely propane; limited piped gas
Confirm by addressShelby Police Department (village) / Oceana County Sheriff (township)
Shelby village PD; Sheriff covers rural township
Services for Shelby · Source: oceana.mi.us
Utility, solar, and service details for Shelby are compiled from public records, municipal sites, and NREL / U.S. data.gov, and can change. Electric/gas can vary by address — confirm with the provider before relying on them.
Nearest Park
Monument Park
0.1 mi
Parks Nearby
35
within 1 mile
🍕 Restaurants(6)
The Pizza Factory
Restaurant
Restaurant
Frosty's Oasis
Restaurant
Rusty Rooster
Restaurant
Hilltop Cheese Co
Restaurant
+1 more within 5 miles
☕ Coffee(1)
Lewis Coffee Company
Café
🏫 Schools(15)
Thomas Read Elementary School
School
Shelby Middle School
School
Carpenter School
Shelby Center School
Woodland School
+10 more within 5 miles
🚴 Trails(5)
Hart-Montague Bicycle Trail
Bike Path
Hart-Montague Bicycle Trail
Bike Path
Hart-Montague Bicycle Trail
Bike Path
+2 more within 5 miles
🏥 Hospitals(1)
Hospital
📚 Libraries(1)
Shelby Public Library
⚡ EV Charging(1)
EV Connect
EV Charging
Frequently asked about Shelby
- What do homes cost in Shelby?
- The median home value in Shelby is about $217,000. Individual prices vary by street, size, and condition.
- How active is the Shelby housing market?
- there are 7 homes for sale in Shelby right now, and 27 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Shelby?
- Shelby is served by Shelby Public Schools. Its highest-rated assigned school is Shelby Middle School (7/10).
- Is Shelby walkable?
- Shelby scores 4.4/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
Top contributors in Shelby
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