| Metric | Latest | Detail |
|---|---|---|
| Median listing price | $288,700 | +1.5% YoY |
| Median price per sq ft | $177 | 1,649 sq ft median |
| Median days on market | 63 | -5% YoY |
| Active listings | 425 | +21% YoY |
| New listings this month | 116 | September 2026 |
| Listings with a price cut | 27% | Share of active |
| Median sale price (closed) | $277,500 | +0.4% YoY · closed sales, July 2026 |
| Sale-to-list ratio | 97.4% | Closed sales, July 2026, seasonally adjusted |
| Pending-to-active ratio | 34.5% | 147 pending |
| Inventory vs 2019 | 230% | Active listings vs same month in 2019 |
Metropolitan market · North Carolina · September 2026 data
What is the Shelby, NC real estate market doing?
As of September 2026, the median home listed in Shelby, NC asks $288,700, up 1.5% year over year. Homes spend a median of 63 days on market, with 425 active listings and 27% carrying a price cut; pending contracts equal 35% of active listings, and inventory sits at 230% of the same month in 2019 — a buyer's market. Figures come from public records and industry data, updated monthly.
Median listing price
$288,700
▲ 1.5% YoY
Median $ / sq ft
$177
1,649 sq ft median
Median days on market
63
September 2026
Active listings
425
For sale now
New listings
116
September 2026
Listings with price cuts
27%
Share of active
Inventory vs 2019
230%
Same month, 2019 = 100
Pending / active
35%
Contract activity
Median sale price (closed)
$277,500
▲ 0.4% YoY · closed sales · July 2026
Sale-to-list ratio
97.4%
Closed sales · July 2026, seasonally adjusted
Homes sold / month
106
Closed sales · July 2026, seasonally adjusted
What is the Shelby, NC housing market doing right now?
The Shelby, NC housing market lists at a $288,700 median as of September 2026, up 1.5% year over year, with a 63-day median market time and 425 homes for sale (27% with a price cut). Active inventory is 230% of the 2019 level, reading as a buyer's market under WealthyBud's published buyer/seller rule.
Shelby housing market statistics
The table summarizes Shelby's key housing figures for September 2026 — median listing and closed-sale prices, market pace, inventory and rental yield — each computed from public records and industry data. Closed-sale figures are Redfin's July 2026 data, the latest settled month Redfin reports for Shelby.
How have home prices changed in Shelby?
Shelby home prices are up 1.5% year over year and -1.5% month over month as of September 2026, at a $288,700 median listing price. The chart tracks the trailing eight-quarter trend in the metro's median asking price.
Median listing price, Shelby NC · trailing 8 quarters · source: public records and industry data.
The 10-year view
10-year median listing price, Shelby NC · June of each year, 2017–2026 · source: public records and industry data.
How much inventory is on the market in Shelby?
Shelby has 425 active listings, 116 new this month, 147 pending as of September 2026. About 27% of active listings have cut their price, and inventory sits at 230% of its 2019 level — a buyer's market by pace.
Is Shelby a good real estate investment?
Shelby scores 32/100 on WealthyBud's composite Investor Score, ranking #793 of 933 covered U.S. metros as of September 2026. The score blends price momentum, value, rental yield, supply and market heat into one percentile. It is a research opinion, not advice.
Investor Score
32/100
#793 of 933 covered metros
Shelby scores 32/100 on our composite Investor Score (#793 of 933 covered metros), a percentile blend of momentum, value, rental yield, supply and market-heat readings; active inventory sits at 230% of its June 2019 level, so supply is fully rebuilt past pre-pandemic norms; listing prices are up 1.5% year over year; all against a national 30-year fixed mortgage rate of 7.28% (national weekly average, 2026-10-01).
Scores are percentile ranks (0–100) across all covered U.S. metros, computed from the public data cited on this page — formulas here. They are data-derived opinions, not investment advice. See how Shelby ranks on the trending markets index.
How much is a monthly mortgage payment in Shelby?
A home at Shelby's $288,700 median listing runs about $1,580 a month in principal and interest — 20% down on a 30-year fixed loan at the current 7.28% national average rate. Taxes, insurance and HOA are extra.
If rates fall 1% · 6.28%
$1,427/mo
−$154/mo vs today
At today's rate · 7.28%
$1,580/mo
National weekly average
If rates rise 1% · 8.28%
$1,740/mo
+$160/mo vs today
Principal & interest on the $288,700 median listing with 20% down and a 30-year fixed loan — excludes taxes, insurance and HOA. Current rate: 7.28% (national weekly average, 2026-10-01). Model a full deal in the deal analyzer.
How much income do you need to buy a home in Shelby?
To buy Shelby’s $288,700 median listing with 20% down, a household needs about $75,000 a year in gross income, keeping principal, interest and property tax ($1,746/mo) at 28% of income. That is 1.3× the area’s $55,769 median household income, so a typical Shelby household cannot afford the median listing on these terms.
| Item | Amount | Basis |
|---|---|---|
| Median listing price | $288,700 | September 2026 |
| Down payment (20%) | $57,740 | Assumption |
| Principal & interest (7.28%, 30-yr fixed) | $1,580/mo | Rate as of 2026-10-01 |
| Property tax (0.69% effective rate) | $166/mo | Census ACS |
| Income needed (28% rule) | $75,000 | Gross household income / yr |
| Median household income | $55,769 | Census ACS 2023 ACS 5-year |
Excludes homeowners insurance, HOA dues and mortgage insurance, so the true income needed is higher. Compare every market in the income-needed ranking and the price-to-income ranking.
What is driving the Shelby housing market?
Longer-run demand in Shelby shows up in 555 homes permitted in 2025; net migration of +905 residents. Natural-hazard risk rates Relatively Low. These federal supply-pipeline, migration and jobs signals shape where prices head next.
Building permits (2025)
555
▲ 20.4% vs 2024
5.5 per 1,000 residents
Net migration (2022–2023)
+905
▲ people, via tax-return records
net income flow +$26.8M/yr
Natural-hazard risk
Relatively Low
National hazard index · top hazard: Riverine flooding
Based on public government records — building-permit, tax-return migration, employment and natural-hazard statistics, aggregated to the metro. Details on /methodology.
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ReadShelby housing market FAQ
What is the median home price in Shelby?
As of September 2026, the median listing price in Shelby, NC is $288,700, up 1.5% year over year (source: public records and industry data). Figures cover the Shelby-Kings Mountain, NC metro area.
How much does it cost to buy a home in Shelby?
The median home listed in Shelby asks $288,700 as of September 2026. With 20% down on a 30-year fixed loan at the current 7.28% national average rate, that runs about $1,580 a month in principal and interest, before taxes, insurance and HOA.
How fast are homes selling in Shelby?
The median property in Shelby spends 63 days on the market, with 425 homes actively listed and 27% of them carrying a price cut — a buyer's market as of September 2026.
Is it a buyer's or seller's market in Shelby?
With a median 63 days on market and 27% of active listings carrying a price cut, pending contracts at 35% of active listings, Shelby reads as a buyer's market as of September 2026. Labels use WealthyBud's published DOM / sale-to-list / price-cut / pending rule. Conditions shift monthly.
Is Shelby a good place to invest in real estate?
Shelby scores 32/100 on WealthyBud's Investor Score, ranking #793 of 933 covered U.S. metros as of September 2026. The score blends price momentum, value, rental yield, supply and market heat. It is a data-derived research opinion, not investment advice.
Who are the top real estate agents in Shelby?
See WealthyBud directories for the top-producing agents, teams and brokerages serving Shelby and the wider North Carolina market, ranked by recent sales from public profile data.
Based on public records and industry data, September 2026 — see our methodology for how every figure is computed. Figures cover the Shelby-Kings Mountain, NC metro area. Figures change monthly — verify current conditions with a local agent or MLS. Portions of market data courtesy of Realtor.com and Redfin; additional statistics from U.S. government sources.
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