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Shelby city, OH

ZIP 44875 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 44875

Median Home Value
$146,500
Median Rent
$541
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$941/mo PITI).

11%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 44875 in Shelby city, OH, a household would need roughly $40,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $941. That sits below the local median household income ($60,669), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
75.2%+15% vs US avg
x
Vacancy Rate
8.2%-20% vs US avg
x
Broadband Access
84.1%-3% vs US avg
x
4+ Bedrooms
4.9%-67% vs US avg
x
Built Pre-1939
6.5%-49% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
23.7%-52% vs US avg
x
Mortgage-Free
39.8%+4% vs US avg
x
$146,500
Home Value
$541
Rent
1959
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached82.4%
  • 1-unit attached1.4%
  • 2-9 units13.6%
  • 10+ units1.2%
  • Mobile home & other1.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$146,500
Median rent$541
Owner-occupied75.2%
Vacant8.2%
Price-to-income2.4x
Est. income to buy$40,000