Shelby Township
Solid value in a growing area
The quick answer
Shelby Township is a township, part of Shelby Public Schools. Homes here typically sell for around $224,000.
14 homes for sale·Median $224K·Schools 5.7/10
Head out here and you're minutes from Lake Michigan—I'm talking steps-away access to the water, which is the whole story right there. The area sits near one of the highest points in the region, so you get genuine elevation and space; properties here run anywhere from tight village lots to sprawling acreage, and the road character mixes historic homes (some dating back to the 1930s with their original charm intact) alongside newer construction. Monument Park sits right adjacent, and there are ten restaurants within a mile, so don't picture isolation—just quieter than you'd expect. A grocery run is about three miles out, and coffee or a meal is literally steps away.
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Why people love it here
$73K median household income
- $224K median · 39 sales in last 12mo
Conventional Mortgage Calculator
Median home price in Shelby Township
Estimated Monthly Payment
$1,521/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.
39 homes sold in Shelby Township this year. Thinking of selling?
See what your home is worthMedian Income
$73K
Household
Median Sale Price
$224K
39 sales in last 12mo
Expected Rent
$975/mo
$900 – $1,050 · estimated range
Based on 3 rated schools nearby
Range: 4/10 to 7/10
School District: Shelby Public Schools
Most of Shelby Township is policed by the Oceana County Sheriff's Office. Across that jurisdiction in 2024, the most common reported offenses were larceny / theft (470 per 100,000 residents) and aggravated assault (180 per 100,000 residents), per FBI Uniform Crime Reporting.
For perspective, homicide — the most serious crime — was reported at about 0.005% of the population, roughly 1 in 20,000 residents.
| Offense type | Per 100k residents |
|---|---|
| Larceny / theft | 470 |
| Aggravated assault | 180 |
| Burglary | 119 |
| Motor-vehicle theft | 76 |
| Rape | 71 |
| Robbery | 9 |
| Homicide | 5 |
| Arson | 0 |
Reported offenses per 100,000 residents, Oceana County Sheriff's Office, FBI Uniform Crime Reporting (2024). Figures cover the Oceana County Sheriff's Office's full jurisdiction (the county's unincorporated areas), not Shelby Township alone. Crime is reported at the jurisdiction level and varies block to block within any community.
To buy a median-priced Shelby Township home (around $224,000) at today's 6.67% 30-year fixed rate with 20% down, you'd need roughly $37k/year in household income to qualify — an estimated monthly payment of $1,383 (principal, interest, property tax, and insurance).
The typical Shelby Township household earns $72,633 — above what the median home requires. At that income, a buyer can afford roughly $468,000 with 20% down.
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,383/mo | $36,882 |
| 10% (+PMI) | $1,611/mo | $42,965 |
| 5% (+PMI) | $1,688/mo | $45,011 |
Estimates use a 6.67% 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 and median property taxes, 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
10 parcels
Active / pending
Typical Land Value
$12K/acre
Median asking
Median Price
$91K
Per listing
Who actually lends in Shelby Township, and how homes here are financed — from 2024 federal mortgage records.
Loans to buy a home
Most active lenders
Homeowners refinancing an existing mortgage
Most active lenders
Source: 2024 HMDA (CFPB/FFIEC). Neighborhood figures are area-weighted estimates from census-tract data; loan amounts are rounded and all-cash purchases are excluded.
Local Government
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.
Village of Shelby (in village) / private well (township)
Village of Shelby operates municipal water; rural township on wells. Water office 218 N. Michigan Ave
Village of Shelby (in village) / septic (township)
Village runs sewer to a lagoon; rural township on individual septic
Resident-arranged private hauler; Oceana County transfer/recycling
No township municipal collection; county transfer/recycling available
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
Source: shelbyvillage.com
Utility, solar, and service details for Shelby Township 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.
Median Income
$73K
Home Value (Census)
$153K
Expected Rent
$975/mo
$900 – $1,050 · estimated range
Flood Risk
None
Not in flood zone
Nearest Park
Monument Park
1.4 mi
Parks Nearby
0
within 1 mile
🍕 Restaurants(5)
☕ Coffee(1)
Lewis Coffee Company
Café
🏫 Schools(13)
Shelby Center School
Thomas Read Elementary School
School
Shelby Middle School
School
Carpenter School
New Era Christian School
+8 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
Atlas — Grand Rapids Real Estate
Local real estate specialists
Questions about Shelby Township? Our team can help with availability, schools, and what it's really like to live here.
Living in Shelby Township: the details
Is Shelby Township a good place to live?
Here is a data-based look at what living in Shelby Township is like. This township is part of Shelby Public Schools. Homes here typically sell for around $224,000.
What does it cost to live in Shelby Township?
Homes in Shelby Township sell for a median of about $224,000. There are 14 homes for sale here right now and 39 homes sold here in the past year.
Frequently asked about Shelby Township
- What do homes cost in Shelby Township?
- The median home value in Shelby Township is about $224,000. Individual prices vary by street, size, and condition.
- How active is the Shelby Township housing market?
- there are 14 homes for sale in Shelby Township right now, and 39 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Shelby Township?
- Shelby Township is served by Shelby Public Schools. Its highest-rated assigned school is Shelby Middle School (7/10).
