HomeOhioRichland CountyShelby city
Shelby city, Ohio: commercial real estate data.
Shelby city is a Census city of 8,865 people across 6.33 square miles of land, in Richland County. Median household income is $58,351, 61.2 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $5.2 m.
81 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Shelby
What Shelby is
- Census place typecity
- Land area6.33 sq mi
- Water area0.14 sq mi
- Population per square mile of land1,401
- County holding the largest share of its areaRichland 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
- Population8,865
- Median age39.1
- Population under 182,206 plus or minus 451
- Share under 1824.9 percent
- Population 65 and over1,849
- Share 65 and over20.9 percent
- Households3,633
- Family households2,300
- Share of households that are families63.3 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$58,351
- Per capita income$29,248
- Civilian labor force4,147
- Employed3,973
- Unemployed174 plus or minus 116
- Unemployment rate4.2 percent plus or minus 2.8
- Adults 25 and over6,082
- Adults 25 and over with a high school diploma or higher94.1 percent
- Adults 25 and over with a bachelor degree or higher15.7 percent plus or minus 3.6
- Adults 25 and over with a graduate degree5.3 percent plus or minus 2.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shelby
Housing in Shelby
- Housing units3,975
- Occupied units3,633
- Vacant units342 plus or minus 174
- Vacancy rate8.6 percent plus or minus 4.3
- Owner occupied2,224
- Renter occupied1,409 plus or minus 305
- Ownership rate61.2 percent
- Median owner-occupied home value$122,200
- Median gross rent, monthly$780
- Annual rent as a share of median income16.0 percent
- Single family units2,968
- Share single family74.7 percent
- Units in buildings of two or more954 plus or minus 266
- Share in buildings of two or more24.0 percent plus or minus 6.3
- Mobile homes53 plus or minus 55
- Median year structure built1959
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 commute3,644
- Commuting under 15 minutes987 plus or minus 264
- Share commuting under 15 minutes27.1 percent plus or minus 6.4
- Commuting 30 minutes or more818 plus or minus 251
- Share commuting 30 minutes or more22.4 percent plus or minus 6.3
- Drove alone85.1 percent
- Carpooled5.9 percent plus or minus 3.2
- Public transport0.0 percent
- Walked0.8 percent plus or minus 0.8
- Worked from home7.8 percent plus or minus 3.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shelby
SBA loans in Shelby (7(a))
- Approvals8
- Gross approval$5,151,300
- Average approval$643,913
- Median approval$100,000
- Ninetieth percentile approval$4,500,000
- Largest approval$4,500,000
- Jobs supported125
- Jobs per approval15.6
- Loans with a final outcome6
- Paid in full5
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more25.0 percent
- Share to franchises12.5 percent
- Distinct lenders6
- Distinct industries by NAICS7
A charge-off rate is not published here. only 6 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 loans in Shelby (504)
- Approvals1
- Gross approval$846,000
- Average approval$846,000
- Median approval$846,000
- Largest approval$846,000
- Jobs supported0
- Loans with a final outcome0
- 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 risk in Shelby
- Listed NFIP communities1
- Of those, participating1
- Best Community Rating System classClass 7
- NFIP community number390479
- Currently effective map date08/15/19
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Richland County, not Shelby
Richland County context, not Shelby figures
These are Richland 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 Richland County2,616
- Employment at those establishments, Richland County39,131
- Covered employment, Richland County48,954
- Average annual pay, Richland County$50,804
- Average weekly wage, Richland County$977
- Housing units permitted, Richland County143
- Of those, single family, Richland County122
- County product, 2024, Richland County$6,004,518,000
- County product change over the prior year, Richland County3.0 percent
- Average income of an arriving household, Richland County$46,866
Every figure in this section is published for Richland 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, Ohio?
8,865, in 3,633 households. Shelby city covers 6.33 square miles of land, which is 1,401 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?
Richland 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?
$58,351. The median owner-occupied home is valued at $122,200. Median gross rent is $780 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?
8 7(a) approvals totalling $5.2 m, across 6 lenders, median approval $100,000, plus 1 504 approvals worth $846,000. 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 6 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 390479, carrying Community Rating System class 7, which is a premium discount for exceeding the programme minimum. 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 Richland 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.
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