HomeNorth CarolinaCleveland CountyShelby city
Shelby city, North Carolina: commercial real estate data.
Shelby city is a Census city of 22,100 people across 22.36 square miles of land, in Cleveland County. Median household income is $48,376, 59.9 percent of occupied homes are owned, and the SBA record carries 31 7(a) approvals to borrowers here worth $18.0 m.
80 sourced place values · tier FULL · 9 sections
Shelby
What Shelby is
- Census place typecity
- Land area22.36 sq mi
- Water area0.03 sq mi
- Population per square mile of land988
- County holding the largest share of its areaCleveland County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shelby
How many people live in Shelby
- Population22,100
- Median age39.3
- Population under 185,136
- Share under 1823.2 percent
- Population 65 and over4,572
- Share 65 and over20.7 percent
- Households9,533
- Family households5,461
- Share of households that are families57.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shelby
Income and work in Shelby
- Median household income$48,376
- Per capita income$31,112
- Civilian labor force9,811
- Employed9,458
- Unemployed353 plus or minus 174
- Unemployment rate3.6 percent plus or minus 1.8
- Adults 25 and over15,120
- Adults 25 and over with a high school diploma or higher90.5 percent
- Adults 25 and over with a bachelor degree or higher26.6 percent
- Adults 25 and over with a graduate degree10.8 percent plus or minus 2.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shelby
Housing in Shelby
- Housing units10,758
- Occupied units9,533
- Vacant units1,225 plus or minus 283
- Vacancy rate11.4 percent plus or minus 2.6
- Owner occupied5,715
- Renter occupied3,818
- Ownership rate59.9 percent
- Median owner-occupied home value$197,200
- Median gross rent, monthly$945
- Annual rent as a share of median income23.4 percent
- Single family units7,735
- Share single family71.9 percent
- Units in buildings of two or more2,751
- Share in buildings of two or more25.6 percent
- Mobile homes272 plus or minus 150
- Median year structure built1970
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shelby
How Shelby gets to work
- Workers 16 and over who commute8,413
- Commuting under 15 minutes4,114
- Share commuting under 15 minutes48.9 percent
- Commuting 30 minutes or more2,038
- Share commuting 30 minutes or more24.2 percent
- Drove alone79.6 percent
- Carpooled9.4 percent plus or minus 3.0
- Public transport0.0 percent
- Walked1.1 percent plus or minus 0.9
- Worked from home9.6 percent plus or minus 2.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shelby
SBA 7(a) lending to Shelby borrowers
- Approvals31
- Gross approval$18,023,100
- Average approval$581,390
- Median approval$440,000
- Ninetieth percentile approval$1,545,000
- Largest approval$2,461,900
- Jobs supported397
- Jobs per approval12.8
- Loans with a final outcome8
- Paid in full8
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more22.6 percent
- Share to franchises16.1 percent
- Distinct lenders21
- Distinct industries by NAICS23
A charge-off rate is not published here. only 8 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Shelby
SBA 504 lending to Shelby borrowers
- Approvals4
- Gross approval$2,312,000
- Average approval$578,000
- Median approval$575,000
- Largest approval$1,040,000
- Jobs supported57
- Loans with a final outcome2
- Charged off0
- Median term300 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Shelby
Flood programme status in Shelby
- Listed NFIP communities1
- Of those, participating1
- NFIP community number370064
- Currently effective map date07/02/08
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Cleveland County, not Shelby
Cleveland County context, not Shelby figures
These are Cleveland County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Shelby measurements.
- Establishments in Cleveland County2,028
- Employment at those establishments, Cleveland County30,800
- Covered employment, Cleveland County36,696
- Average annual pay, Cleveland County$53,753
- Average weekly wage, Cleveland County$1,034
- Housing units permitted, Cleveland County513
- Of those, single family, Cleveland County403
- County product, 2024, Cleveland County$6,025,325,000
- County product change over the prior year, Cleveland County3.5 percent
- Average income of an arriving household, Cleveland County$47,862
Every figure in this section is published for Cleveland County as a whole and is not a measurement of Shelby. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Shelby questions, answered from the record.
How many people live in Shelby, North Carolina?
22,100, in 9,533 households. Shelby city covers 22.36 square miles of land, which is 988 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Shelby in?
Cleveland County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Shelby?
$48,376. The median owner-occupied home is valued at $197,200. Median gross rent is $945 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Shelby businesses?
31 7(a) approvals totalling $18.0 m, across 21 lenders, median approval $440,000, plus 4 504 approvals worth $2.3 m. These count approvals to borrowers whose address is in Shelby, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Shelby borrowers get paid back?
No rate is published for Shelby. only 8 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Shelby in the National Flood Insurance Program?
Yes. Shelby appears in the FEMA Community Status Book as community 370064, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Shelby figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Cleveland County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Shelby.
Is zoning published for Shelby?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.