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Shelbyville, Kentucky Retirement Guide
established retirement community
61
Retirement Score
Shelbyville, Kentucky at a Glance
- Median Home Price
- $223,900
- State Income Tax
- State income tax; Social Security exempt; pension/retirement income partially exempt up to threshold.
- Avg January Low
- 28°F
- Cost of Living Index
- 89.4 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 61 / 100
Retirement Data
Affordability
Cost of Living Index
89.4 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$223,900High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$947High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
45 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security exempt; pension/retirement income partially exempt up to threshold.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
68.2 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
42.8 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
68.2 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
87.4°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
28°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
44.9"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
289 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
100 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
6 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
0.9 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
17,239High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
37.4High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
14.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$74,433High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
55.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
8.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
26.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
9.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
73.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
9.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
17.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
1.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Shelbyville using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$485
Stress-case monthly carrying cost
$545
Median home price used: $223,900
Median rent reference: $947 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.