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Texas

Cost of living in Shelby County, TX

Estimated monthly cost
$2,611/mo
for a single person, all categories combined

Population 24,108 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $843 32%
Healthcare $480 18%
Federal tax $380 15%
Groceries $334 13%
Transport $320 12%
Energy $199 8%
Water $55 2%
State tax $0 0%

Rent in Shelby County

Fair Market Rents by bedroom count.

Studio
$732
per month
1 bedroom
$843
per month
2 bedroom
$933
per month
3 bedroom
$1,307
per month
4 bedroom
$1,381
per month

Source: HUD FMR FY2025

Income and earnings in Shelby County

Annual earnings figures from the Census ACS.

Household income
$50,436
per year
Individual earnings
$33,274
per year
Per capita
$28,183
per year

Source: ACS 2019-2023 5-Year.

Home values in Shelby County

Average values reported by homeowners.

Average home value
$111,700
Annual property tax
$1,143

Source: ACS 2019-2023 5-Year

Energy costs in Shelby County

Estimated monthly electricity and gas costs.

Electricity
$167
per month · 14.5¢/kWh
Natural gas
$32
per month
Annual total
$2,388
per year

Source: EIA

Healthcare in Shelby County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
19.2%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Shelby County

State and local tax rates for Texas.

No state income tax
Texas does not levy a personal income tax.
State sales tax
6.3%
Combined sales tax
8.2%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Shelby County

Commute patterns and estimated costs.

Average commute
24.3 min
Drive alone
83.3%
Public transit
0.3%
Work from home
4.0%

Source: ACS

Monthly cost estimates for Shelby County

What it costs to live in Shelby County each month.

Single person
$2,611
per month
  • Rent $843
  • Energy $199
  • Water $55
  • Groceries $334
  • Transport $320
  • Healthcare $480
  • Federal tax $380
  • State tax $0
Couple
$3,572
per month
  • Rent $933
  • Energy $239
  • Water $65
  • Groceries $553
  • Transport $420
  • Healthcare $864
  • Federal tax $498
  • State tax $0
Family
$6,088
per month
  • Rent $1,307
  • Energy $298
  • Water $75
  • Groceries $840
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $498
  • State tax $0

Frequently asked questions about Shelby County

Common questions about cost of living, rent and salary.

What is the average rent in Shelby County?

In Shelby County, TX, a one-bedroom apartment averages $843 per month, a two-bedroom averages $933 per month, a three-bedroom averages $1,307 per month, according to HUD Fair Market Rent data.

What is the average salary in Shelby County?

In Shelby County, TX, the average household income is $50,436 per year and individual earnings for full-time workers average $33,274 per year, according to U.S. Census Bureau data.

What is the cost of living in Shelby County?

The estimated cost of living in Shelby County, TX is approximately $2,611 per month for a single person, $3,572 for a couple, $6,088 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Shelby County?

The combined sales tax rate in Shelby County, TX is 8.19%, which includes the Texas state rate of 6.25% plus an average local rate of 1.94%.

Is Shelby County an affordable place to live?

Based on the data, a single person in Shelby County, TX would need approximately $2,611 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $50,436 per year ($4,203 per month). Shelby County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Shelby County?

The ACA marketplace benchmark premium in Shelby County, TX is approximately $480 per month for an individual. Approximately 19.2% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Shelby County?

The average home value in Shelby County, TX is $111,700, with average annual property taxes of $1,143, according to U.S. Census Bureau data.

How does Shelby County compare to other areas?

You can compare Shelby County, TX with any other US county using our comparison tool at /compare. Shelby County is in Texas.

Other counties in Texas

Browse the full list of counties in Texas, ranked by cost of living.

See all counties in Texas

Compare Shelby County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources