Market Overview
Home Prices in Shelbiana, KY
The median home value in Shelbiana, KY is $99,606 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 9.1% compared to a year ago and down 7.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Shelbiana are priced76% below average.
Over the past five years, Shelbiana home values have fallen by approximately8.0%, reflecting softening conditions in this market.
Price History
Shelbiana Home Price Trend
2020
$93,873
$94K
—
2021
$108,319
$108K
+15.4%
2022
$116,129
$116K
+7.2%
2023
$113,361
$113K
-2.4%
2024
$117,912
$118K
+4.0%
2025
$109,565
$110K
-7.1%
2026
$99,606
$100K
-9.1%
City Comparison
Shelbiana vs. National Median
🏠 Shelbiana
$99,606
National Median
$410,000
At $99,606, homes in Shelbiana cost 76% below the national median of $410,000. This makes Shelbiana a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Shelbiana?
20% Down Payment
$19,921
on $99,606
Monthly P&I
$519/mo
30-yr @ 6.8%
Total Monthly Est.
~$659/mo
incl. taxes & insurance
Income Needed
$26,360
gross annual (30% rule)
10% Down Option
$9,961
+ PMI applies
Loan Amount (20% dn)
$79,685
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Shelbiana, KY?
The median home value in Shelbiana is $99,606 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 9.1% year-over-year.
How much have home prices changed in Shelbiana?
Over the past year, home values in Shelbiana have decreased by 9.1%. Over five years, prices have fallen approximately 8.0%.
How much do I need to earn to buy a home in Shelbiana?
To comfortably afford the median home price of $99,606 with a 20% down payment ($19,921) at today's rates (6.8%), you'd need a gross annual income of approximately $26,360. This assumes keeping total housing costs at or below 30% of gross income.
How does Shelbiana compare to the national average home price?
The national median home value is approximately $410,000. At $99,606, homes in Shelbiana are 76% below the national average.