Shelby
Solid value in a growing area
15 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.
Why people love it here
$73K median household income
- $224K median · 44 sales in last 12mo
Explore Shelby
Same name, different focus — Shelby is also covered as:
- Shelby Village — village details
Mortgage Calculator
Median home price in Shelby
Estimated Monthly Payment
$1,521/mo
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. This is not a commitment to lend or an offer of credit. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Lender. NMLS Consumer Access
44 homes sold in Shelby this year. Thinking of selling?
See what your home is worthBased on 3 rated schools nearby
Range: 4/10 to 7/10
School District: Shelby Public Schools
Most of Shelby 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 alone. Crime is reported at the jurisdiction level and varies block to block within any community.
To buy a median-priced Shelby home (around $224,000) at today's 6.43% 30-year fixed rate with 20% down, you'd need roughly $36k/year in household income to qualify — an estimated monthly payment of $1,355 (principal, interest, property tax, and insurance).
The typical Shelby household earns $72,633 — above what the median home requires. At that income, a buyer can afford roughly $479,000 with 20% down.
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,355/mo | $36,127 |
| 10% (+PMI) | $1,579/mo | $42,115 |
| 5% (+PMI) | $1,654/mo | $44,113 |
Estimates use a 6.43% 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 an APR or a commitment to lend — your actual rate and payment will vary.
Land for sale
Listings
10 parcels
Active / pending
Typical Land Value
$12K/acre
Median asking
Median Price
$95K
Per listing
Who actually lends in Shelby, 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 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
Flood Risk
None
Not in flood zone
Nearest Park
Monument Park
1.4 mi
Parks Nearby
0
within 1 mile
🍕 Restaurants(8)
The Pizza Factory
Restaurant
Restaurant
Frosty's Oasis
Restaurant
Rusty Rooster
Restaurant
Hilltop Cheese Co
Restaurant
+3 more within 5 miles
☕ 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
Frequently asked about Shelby
- What do homes cost in Shelby?
- The median home value in Shelby is about $224,000. Individual prices vary by street, size, and condition.
- How active is the Shelby housing market?
- there are 15 homes for sale in Shelby right now, and 44 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).
