Shelby, NC — City Data, Demographics & Statistics
Cleveland County · North Carolina
City DNA
A unique fingerprint for Shelby based on 8 key metrics — compared to averages.
Quick Stats
Population
21,868
2023 ACS
Median Income
$50,705
2023
Median Home Value
$185,400
2023
Median Rent
$899
2023
Median Age
41.2
Unemployment
3.6%
Cost of Living Index
88.4
100 = national avg
Shelby is a city in Cleveland County, North Carolina, with a population of 21,868 according to the 2023 American Community Survey. Shelby is one of the communities in North Carolina.
The median household income in Shelby is $50,705, and the median home value is $185,400. The cost of living index is 88.4 (where 100 = national average), and the median rent is $899 per month. The unemployment rate is 3.6%, and the median age is 41.2 years.
People & Demographics
Source: U.S. Census Bureau ACS (2023)Population
Total Population
21,868
Male
10,132
46.3%
Female
11,736
53.7%
Median Age
41.2
Education & Household
Bachelor's or Higher
18.4%
High School or Higher
39.5%
Foreign Born
2.9%
Veterans
7.8%
Married
37.4%
Avg Household Size
2.3
Marital Status by Age
Race & Ethnicity
Diversity Index
0.578
Simpson's Index (0-1)
Largest Group
White
55.3%
Foreign Born
2.9%
Hispanic/Latino Ethnicity
Hispanic/Latino is an ethnicity, not a race. People of any race can identify as Hispanic. This percentage overlaps with the racial categories above.
Hispanic/Latino
4.7%
1,037 people
Not Hispanic/Latino
95.3%
Hispanic/Latino Detail
Source: U.S. Census Bureau ACS (2023)Asian Detail
Source: U.S. Census Bureau ACS (2023)Native Hawaiian & Pacific Islander Detail
Source: U.S. Census Bureau ACS (2023)American Indian & Alaska Native Detail
Source: U.S. Census Bureau ACS (2023)Languages Spoken
Total Speakers (5+)
20,651
English Only
94.9%
#1 Non-English Language
Spanish
787 speakers
Limited English
2.2%
Language Distribution
English Proficiency
Speaks English Very Well
97.8%
Limited English Proficiency
2.2%
Veterans & Military
Total Veterans
1,714
7.8% of population
Disability Rate
14.9%
256 with disability
Veteran Median Income
$51,528
Unemployment Rate
3.3%
Period of Service
Veteran Age Distribution
Male Veterans
1,374
80.2%
Female Veterans
340
19.8%
Veteran vs Non-Veteran Income
Veteran Income
$51,528
Non-Veteran Income
$31,972
Difference
$19,556
61.2% higher
Disability Status
With Disability
256
Without Disability
1,458
Disability Rate
14.9%
Ancestry & Heritage
Total Reporting Ancestry
12,724
#1 Ancestry
American
20.4% (4,451)
#2 Ancestry
English
11.7% (2,567)
#3 Ancestry
German
8.5% (1,861)
Top 20 Ancestries
Source: U.S. Census Bureau ACS (2023)Families & Households
Total Households
9,178
Family Households
5,353
58.3%
Married Couples
3,203
34.9%
Non-Family Households
3,825
41.7%
Single Mother Households
1,539
16.8%
Single Father Households
611
6.7%
Living Alone
3,611
39.3%
Children Under 18
Total Children
4,534
In Married Couple
1,402
30.9%
With Single Mother
2,361
52.1%
With Single Father
771
17.0%
Family Income
Median Family Income
$67,008
Married Couple Income
$91,090
Single Mother Income
$39,367
Avg Family Size
2.3
Avg Non-Family Size
2.3
Grandparents w/ Grandchildren
686
Grandparents Responsible
496
Economy
Source: U.S. Census Bureau ACS (2023)Income Overview
Median Household Income
$50,705
-31% vs national
Per Capita Income
$30,663
-18% vs national
Poverty Rate
18.2%
+34% vs national
Gini Index
0.4770
0 = perfect equality
Unemployment
3.6%
-31% vs national
SNAP Recipients
23.0%
of households
How Shelby Compares
Shelby vs Similar Cities
Compared to cities with 10,000 - 25,000 residents. Shelby is highlighted.
Median Household Income
Shelby, NC has a median household income of $50,705, making it the 21,048th highest median household income out of 28,123 cities in our database. This means that Shelby has a higher median household income than 25% of all the cities we measured.
Per Capita Income
Shelby, NC has a per capita income of $30,663, making it the 16,571st highest per capita income out of 28,123 cities in our database. This means that Shelby has a higher per capita income than 41% of all the cities we measured.
Poverty Rate
Shelby, NC has a poverty rate of 18.2%, making it the 8,407th highest poverty rate out of 31,262 cities in our database. This means that Shelby has a higher poverty rate than 73% of all the cities we measured.
Unemployment Rate
Shelby, NC has a unemployment rate of 3.6%, making it the 15,799th highest unemployment rate out of 31,012 cities in our database. This means that Shelby has a higher unemployment rate than 49% of all the cities we measured.
Where Do You Stack Up?
Enter your household income to see how you compare to other households in Shelby. The median household income here is $50,705.
Income Distribution
Employment Snapshot
Unemployment Rate
3.6%
-38% vs NC avg
Labor Force
9,810
Employed
9,446
How People Get to Work
Employment by Sector
Education & Workforce
Bachelor's Degree+
18.4%
of adults 25+
High School Diploma+
39.5%
of adults 25+
Median Age
41.2
Work from Home
9.7%
of workers
Top Occupations & Wages
Source: Bureau of Labor Statistics OEWS (2024)
Data represents the North Carolina metro area
Highest-Paying Job
Software Developers
Top Median Wage
$131.0K
per year
Occupations Tracked
20
Cost of Living
Overall Index
88.4
100 = national avg
-11.6 vs national average
Living Wage (1 Adult)
$38,910
per year
Living Wage (Family of 4)
$91,968
per year
Cost Index by Category
100 = national average. Higher = more expensive.
Fair Market Rent
Source: HUD
1 Bedroom
$763
per month
2 Bedroom
$925
per month
The median household income in Shelby, NC is $50,705, which is 30.8% below the national average of $73,224. Per capita income is $30,663. The poverty rate of 18.2% is higher than the NC state average of 16.0%. The Gini index of income inequality is 0.4770, where 0 represents perfect equality and 1 represents maximum inequality. The unemployment rate is 3.6%, compared to the state average of 5.8%. The labor force is 9,810. 18.4% of adults hold a bachelor's degree or higher. About 79.3% of workers drive alone to work. The overall cost of living index is 88.4, which is 11.6% below the national average. Housing costs are below the national average at an index of 95.8. A single adult needs to earn approximately $38,910 per year to cover basic expenses.
Housing & Real Estate
Market SnapshotRedfin — January 2026
Median Sale Price
$274,140
Median List Price
$257,500
Price Per Sq Ft
$159
Days on Market
113
Active Inventory
148
Months of Supply
6.7
Buyer's market
Zillow Home Value
$201,615
ZHVI — January 2026
Zillow Rent Index
$1,178
ZORI — January 2026
Market CompetitivenessRedfin
Sold Above List
13.6%
Off Market in 2 Weeks
36.8%
Sale-to-List Ratio
96.4%
Buyer's market
Price TrendsRedfin
Market ActivityRedfin
Homes Sold
22
New Listings
38
Pending Sales
19
Price Per Square FootRedfin
Median Sale $/SF
$159
Median List $/SF
$173
Shelby vs Similar CitiesCensus ACS / Redfin
Compared to cities with 10,000 - 25,000 residents. Shelby is highlighted.
Median Home Value
Shelby, NC has a median home value of $185,400, making it the 13,412th highest median home value out of 27,993 cities in our database. This means that Shelby has a higher median home value than 52% of all the cities we measured.
Median Rent
Shelby, NC has a median rent of $899, making it the 12,565th highest median rent out of 22,337 cities in our database. This means that Shelby has a higher median rent than 44% of all the cities we measured.
Median Price Per Sq Ft
Shelby, NC has a price per square foot of $159, making it the 11,662nd highest price per square foot out of 20,748 cities in our database. This means that Shelby has a higher price per square foot than 44% of all the cities we measured.
Rent Burden
Shelby, NC has a rent burden of 21.3%, making it the 7,111th highest rent burden out of 21,928 cities in our database. This means that Shelby has a higher rent burden than 68% of all the cities we measured.
Census Housing DataU.S. Census Bureau ACS 2023
Median Home Value
$185,400
Median Rent
$899
Total Housing Units
10,804
Vacancy Rate
15.1%
Owner Occupied
59.1%
Renter Occupied
40.9%
Median Property Tax
$1,613
per year
Monthly Cost (w/ Mortgage)
$924
Housing Types
Property TaxU.S. Census Bureau ACS 2023
Median Property Tax
$1,613
per year
Effective Tax Rate
0.87%
of home value
Median Home Value
$185,400
Estimated Mean Tax
$1,733
The effective property tax rate is calculated by dividing the median annual property tax ($1,613) by the median home value ($185,400). In Shelby, NC, this works out to an effective rate of 0.87%. This is below the national average of approximately 1.1%.
The current median sale price in Shelby, NC is $274,140 according to Redfin data. Homes spend a median of 113 days on the market. 13.6% of homes sold above asking price. The market has 6.7 months of supply. The median price per square foot is $159. Zillow's observed rent index is $1,178/month. About 59.1% of housing units are owner-occupied. The median year homes were built is 1970. There are 10,804 total housing units. Homeowners pay a median annual property tax of $1,613. The effective tax rate is 0.87%, below the national average.
Crime Overview
Source: FBI Crime Data Explorer (2024)Violent Crime Rate
10.44
per 1,000 residents
+302% vs national
Property Crime Rate
24.33
per 1,000 residents
+41% vs national
Total Crimes
766
2024
Violent Clearance
43%
cases solved
Property Clearance
27%
cases solved
YoY Change
+8.4%
violent crime rate
worsening vs 2023
How Shelby Compares
Source: FBI (2024)Shelby vs Similar Cities
Source: FBI (2024)Compared to cities with 10,000 - 25,000 residents. Shelby is highlighted in green.
Violent Crime Rate (per 1,000)
Property Crime Rate (per 1,000)
Murder Rate (per 1,000)
Crime Rate Trends
Source: FBICrime Composition
Source: FBI (2024)Violent Crime Breakdown
Property Crime Breakdown
Crime Clearance (Solve) Rates
Source: FBI (2024)Shelby police solve 45% of aggravated assault cases but only 20% of murder cases.
Weapon Used in Violent Crime
Source: FBI (2024)Crime Breakdown
Source: FBI Crime Data Explorer (2024)| Crime Type | Category | Count | Rate per 1K | Clearance % |
|---|---|---|---|---|
| Murder | Violent | 5 | 0.23 | 20.0% |
| Rape | Violent | 11 | 0.50 | 36.4% |
| Robbery | Violent | 17 | 0.77 | 29.4% |
| Aggravated Assault | Violent | 197 | 8.94 | 45.2% |
| Burglary | Property | 107 | 4.86 | 26.2% |
| Larceny/Theft | Property | 378 | 17.16 | 25.1% |
| Motor Vehicle Theft | Property | 51 | 2.32 | 39.2% |
Shelby, NC reported 230 violent crimes and 536 property crimes in 2024. The violent crime rate of 10.44 per 1,000 residents is 301.6% above the national average of 2.60 per 1,000. Law enforcement cleared 43% of violent crimes. Larceny/theft accounts for 378 of the property crime reports. Firearms were involved in 64.5% of aggravated assaults. Violent crime has been trending upward.
Crime History
Source: FBI| Year | Violent | Property | Violent Rate | Property Rate |
|---|---|---|---|---|
| 2024 | 230 | 536 | 10.44 | 24.33 |
| 2023 | 210 | 573 | 9.63 | 26.28 |
| 2022 | 199 | 558 | 9.05 | 25.38 |
| 2021 | 183 | 604 | 9.09 | 30.01 |
| 2020 | 163 | 499 | 8.15 | 24.96 |
| 2016 | 123 | 728 | 6.10 | 36.10 |
| 2015 | 176 | 764 | 8.68 | 37.69 |
Natural Hazard Risk
Source: FEMA National Risk IndexRisk Score
70.0
Relatively Low
Expected Annual Loss
70.0
Score (0-100)
Social Vulnerability
44.1
Score (0-100)
Community Resilience
33.3
Score (0-100)
Scores range from 0 (lowest risk) to 100 (highest risk) relative to all U.S. communities. Data from FEMA National Risk Index.
Disaster History & Federal Spending
Source: FEMATotal Declarations
19
Public Assistance
$11.4M
Individual Assistance
$11.2M
Most Common Type
Hurricane
6 declarations
Public Assistance by Category
| Disaster | Type | Date | PA $ | IA $ |
|---|---|---|---|---|
| Severe Winter Storm → | Winter Storm | Jan 2026 | — | — |
| Tropical Storm Helene → | Tropical Storm | Sep 2024 | $10.3M | $9.0M |
| Hurricane Helene → | Tropical Storm | Sep 2024 | — | — |
| Hurricane Isaias → | Hurricane | Aug 2020 | — | — |
| Severe Storms, Tornadoes, and Flooding → | Severe Storm | May 2020 | — | — |
| Covid-19 Pandemic → | Biological | Mar 2020 | — | $2.2M |
| Covid-19 → | Biological | Mar 2020 | — | — |
| Hurricane Dorian → | Hurricane | Sep 2019 | — | — |
| Hurricane Florence → | Hurricane | Sep 2018 | — | — |
| Hurricane Katrina Evacuation → | Hurricane | Sep 2005 | — | — |
| Tropical Storm Frances → | Hurricane | Sep 2004 | — | $8K |
| Severe Ice Storm → | Severe Ice Storm | Dec 2002 | $1.1M | — |
| Winter Storm → | Snowstorm | Feb 1996 | — | — |
| Blizzard of 96 → | Snowstorm | Jan 1996 | — | — |
| Severe Snowfall & Winter Storm → | Snowstorm | Mar 1993 | — | — |
| Hurricane Hugo → | Hurricane | Sep 1989 | — | — |
| Tornadoes → | Tornado | May 1989 | — | — |
| Drought → | Drought | Aug 1977 | — | — |
| Drought & Freezing → | Snowstorm | Mar 1977 | — | — |
| Remnants of Tropical Storm Fred → | Unknown | — | — | — |
PA = FEMA Public Assistance (infrastructure recovery). IA = Individual Assistance (homeowner/renter aid).
Flood Insurance (NFIP)
Source: FEMA NFIPTotal Claims
54
Total Claims Paid
$676,328
Avg Claim Payout
$12,525
County-level NFIP data from FEMA National Flood Insurance Program.
Hazard Mitigation
Source: FEMA Hazard Mitigation AssistanceMitigation Projects
1
Federal Funding
$23,956
Avg Benefit-Cost Ratio
0.00
BCR
Top Mitigation Project Types
| Project Type | Projects | Federal $ |
|---|---|---|
| 91.1: Local Multihazard Mitigation Plan | 1 | $23,956 |
Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.
Shelby has a relatively low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are ice storm, lightning, earthquake. The area has had 19 federal disaster declarations. The most common disaster type is hurricane (6 declarations). 54 flood insurance claims have been filed in the area. FEMA has obligated $11,413,513 in public assistance recovery funding. $11,242,647 has been distributed in individual assistance to disaster-affected residents. 1 hazard mitigation projects have been funded to reduce future risk.
Health
Community Health
Source: CDC PLACES
Obesity Rate
41.4%
5.3pp above the national average
Depression Rate
24.5%
1.0pp above the national average
Diabetes Rate
16.0%
4.1pp above the national average
Uninsured Rate
11.6%
1.0pp above the national average
Health Scorecard
Higher scores indicate better health outcomes relative to the national average (50 = average)
Health Outcomes
Age-adjusted prevalence rates. Green bars indicate rates below the national average; red indicates above.
High Cholesterol
38.5%
Arthritis
32.3%
Cancer (excl. skin)
8.5%
Teeth Lost (65+)
20.4%
Health Risk Behaviors
Prevention & Screening
Green bars indicate rates above the national average (more preventive care); red indicates below.
Mental Health & Wellbeing
Frequent Mental Distress
17.8%
14+ days in past month
Depression
24.5%
Loneliness
33.9%
Lack of Support
24.4%
Disability Prevalence
Any Disability
38.7%
Mobility
20.0%
Cognitive
17.2%
Hearing
8.7%
Vision
7.9%
Self-Care
6.1%
Independent Living
11.3%
Health-Related Social Needs
Prevalence of social risk factors affecting community health
Shelby has an obesity rate of 41.4%, which is 5.3pp above the national average. The depression rate is 24.5%, 1.0pp above the national average. About 11.6% of adults lack health insurance. 82.1% of residents had an annual checkup in the past year.
Nearby Hospitals
Source: CMS Hospital Compare
Nearest Hospitals
5
With Emergency Services
5
Avg CMS Rating
3.0 / 5
Nearest Hospital
4.0 mi
Atrium Health Cleveland
| Hospital | Distance | Type | Rating | ER |
|---|---|---|---|---|
| Atrium Health Cleveland | 4.0 mi | Acute Care Hospitals | 2/5 | Yes |
| Caromont Regional Medical Center | 18.2 mi | Acute Care Hospitals | 4/5 | Yes |
| Atrium Health Lincoln | 21.2 mi | Acute Care Hospitals | 4/5 | Yes |
| Cherokee Medical Center | 22.1 mi | Acute Care Hospitals | 2/5 | Yes |
| Rutherford Regional Medical Center | 25.6 mi | Acute Care Hospitals | 3/5 | Yes |
Climate & Environment
Water Systems
Source: EPA SDWISWater Systems
3
Pop. Served
82,401
Violations (5yr)
1
| System Name | Pop. Served | Violations (5yr) |
|---|---|---|
| CLEVELAND COUNTY WATER | 58,755 | 0 |
| SHELBY, CITY OF | 23,577 | 0 |
| SHADY REST MHP | 69 | 1 |
Greenhouse Gas Emitters
Source: EPA GHGRP (2023)Facilities Reporting
3
Total CO₂e
294.2K MT
Top Emitter
CLEVELAND COUNTY LANDFILL
143.4K MT CO₂e
Total CO₂e vs Similar Cities (10,000 - 25,000)
| Facility | Sector | CO₂e (MT) |
|---|---|---|
CLEVELAND COUNTY LANDFILL Cleveland County Health Department | Waste | 143,437 |
Clearwater Paper Shelby, LLC Clearwater Paper Corp | Pulp and Paper | 78,238 |
ELECTRIC GLASS FIBER AMERICA, LLC Nippon Electric Glass America Inc | Minerals | 72,507 |
Data from EPA Greenhouse Gas Reporting Program (GHGRP). Includes facilities emitting 25,000+ metric tons CO₂e/year.
There are 3 water systems serving the area. 1 water quality violation has been reported in the past 5 years. 3 industrial facilities report greenhouse gas emissions totaling 294.2K metric tons of CO₂e.
Infrastructure
Commute Overview2023 ACS
Drive Alone
79.3%
+1% vs national
Work From Home
9.7%
+4% vs national
Carpool
9.6%
Walk
1.1%
How Shelby's Commute ComparesCensus ACS 2023
How People Get to WorkCensus ACS 2023
Commute Mode BreakdownCensus ACS 2023
Traffic Fatalities
Source: NHTSA FARS (2023)Fatalities
2
2023
6-Year Avg
2
fatalities/yr
Nighttime
1
dark conditions
| Year | Crashes | Fatalities | Alcohol | Pedestrian | Cyclist |
|---|---|---|---|---|---|
| 2023 | 2 | 2 | 0 | 0 | 0 |
| 2022 | 2 | 2 | 0 | 0 | 0 |
| 2021 | 3 | 3 | 0 | 1 | 0 |
| 2020 | 1 | 1 | 0 | 0 | 0 |
| 2019 | 2 | 2 | 0 | 1 | 0 |
| 2018 | 3 | 3 | 1 | 1 | 0 |
Data from NHTSA Fatality Analysis Reporting System (FARS). Includes only crashes involving at least one fatality.
Commute data for Shelby, NC covers travel times and transportation modes. 79.3% of workers drive alone, compared to the national average of 78.7%. 9.7% work from home, which is above the NC state average of 9.4%. 9.6% of workers carpool. 1.1% walk to work. In 2023, there were 2 traffic fatalities from 2 fatal crashes.
Internet & Broadband Access
Source: Census ACSBroadband Access
80.3%
of households
Cable / Fiber / DSL
70.1%
of households
No Internet
15.2%
of households
Total Households
9,178
Internet Subscription Types
Device Ownership
Source: Census ACSHas Computer
88.1%
of households
Smartphone
83.6%
of households
Desktop / Laptop
68.3%
of households
Tablet
51.8%
of households
Percentage of households with each device type. Data from the U.S. Census Bureau ACS (2023 5-year estimates, tables B28001 & B28002).
Electricity Rates
Source: U.S. Energy Information Administration (2024)Residential Rate
14.1¢
per kWh
-26% vs 10,000 - 25,000 avg
Commercial Rate
10.6¢
per kWh
-32% vs 10,000 - 25,000 avg
Industrial Rate
7.8¢
per kWh
-35% vs 10,000 - 25,000 avg
Avg Monthly Bill
$144
residential
-2% vs 10,000 - 25,000 avg
17% below the national average of 17.1¢/kWh
Residential electricity in North Carolina averages 14.1¢ per kWh, compared to the national average of 17.1¢. The average monthly electric bill is $144. State-level averages from EIA Electric Sales & Revenue data (2024).
Shelby vs Similar Cities
Source: EIA (2024)Comparing electricity rates with randomly selected cities of similar population (10,000 - 25,000). Each city represents its state's average rate.
Residential Rate (¢/kWh)
Commercial Rate (¢/kWh)
Industrial Rate (¢/kWh)
Average Monthly Bill
Water Systems
Source: EPA SDWISWater Systems
3
Population Served
82,401
Violations (5yr)
1
| System Name | Type | Source | Pop. Served | Violations |
|---|---|---|---|---|
| CLEVELAND COUNTY WATER | Community | Surface water | 58,755 | 0 |
| SHELBY, CITY OF | Community | Surface water | 23,577 | 0 |
| SHADY REST MHP | Community | Ground water | 69 | 1 |
80.3% of households in Shelby have broadband internet access. 70.1% have cable, fiber, or DSL service. 7.5% rely solely on cellular data without a wired connection. 15.2% of households have no internet access. 13.7% use only a smartphone without a desktop or laptop. The area is served by 3 water systems, providing water to 82,401 people. A total of 1 water quality violation has been recorded over the past 5 years.
Politics & Government
County-level data: Election results are reported at the county level. Shelby is located in Cleveland County, NC. Results reflect all voters in the county, not just those in Shelby.
Election Overview
Source: Cleveland County (2024)2024 Winner
Republican
Dem Votes
16,603
32.2%
GOP Votes
34,654
67.2%
Total Votes
51,602
Margin
R+35.0%
Shift from 2020
R+2.2pp
vs prior election
Election History
Source: County-Level Election Results| Year | Dem Votes | GOP Votes | Total | Dem % | GOP % | Margin |
|---|---|---|---|---|---|---|
| 2024 | 16,603 | 34,654 | 51,602 | 32.2% | 67.2% | R+35.0 |
| 2020 | 16,955 | 33,798 | 51,308 | 33.1% | 65.9% | R+32.8 |
| 2016 | 14,896 | 28,394 | 44,137 | 33.8% | 64.3% | R+30.6 |
In the 2024 presidential election, Cleveland County recorded 51,602 total votes. Republicans won the county with 67.2% of the vote compared to 32.2% for Democrats, a margin of R+35.0%. Compared to 2020, the margin shifted R+2.2pp from the previous election. Since 2016, Cleveland County has shifted 4.4 percentage points toward Republicans.
Nonprofits Overview
Source: IRS Exempt Organizations BMFTotal Nonprofits
244
Total Assets
$201.2M
Total Income
$101.2M
Per 10K Residents
111.6
nonprofits
+42.8% vs peers avg
Orgs with >$1M Assets
28
Median Assets
$214K
Oldest Active
1945
ruling year
Newest Org
2026
ruling year
Nonprofits by Category
Source: IRS / NTEE ClassificationTop 10 hold $156.3M of $201.2M total
Nonprofit Size Distribution
Source: IRS Exempt Organizations BMFNumber of nonprofits by total asset size
When Were Nonprofits Founded?
Source: IRS Ruling DateNumber of currently active nonprofits by founding decade
Nonprofits per 10K Residents vs Similar Cities
Source: IRS BMF + Census ACSCompared to cities with population 10,000 - 25,000
Largest Nonprofits in Shelby
Source: IRS Exempt Organizations BMFShelby, NC has 244 registered 501(c)(3) nonprofit organizations with combined assets of $201.2M. The most common category is Human Services, with 50 organizations. 28 nonprofits have assets exceeding $1 million. That works out to 111.6 nonprofits per 10,000 residents. The oldest active nonprofit dates back to 1945.
SBA Lending Overview
Source: SBA FOIA Loan-Level DataTotal SBA Loans
165
Total Approved
$68.6M
Jobs Supported
1,648
Per 10K Residents
75.5
SBA loans
-23.9% vs peers avg
Unique Lenders
55
Top Lender
Truist Bank
13 loans
Top Industry
Accommodation & Food Services
Data Span
1992–2026
Loan Program Breakdown
Source: SBA FOIALoans
150
Total Amount
$64.8M
Avg Loan
$432,202
Median Loan
$117,500
SBA Guaranteed
$47.8M(74%)
Jobs Supported
1,503
Loans
15
Total Amount
$3.7M
Avg Loan
$249,933
Median Loan
$139,000
Recent Activity (Last 5 Years)
Source: SBA FOIARecent Loans
28
17% of all-time total
Recent Amount
$13.8M
20% of all-time total
Avg Recent Loan
$494,293
Top Industries Funded
Source: SBA FOIA / NAICS CodesSBA Loans per 10K Residents vs Similar Cities
Source: SBA FOIA + Census ACSCompared to cities with population 10,000 - 25,000
Top SBA Borrowers
Source: SBA FOIA| Business | Loans | Amount |
|---|---|---|
| Super 8 Motel | 2 | $3.5M |
| Shoco Marine Llc | 2 | $3.0M |
| Royal Washes Inc. | 1 | $2.9M |
| Til-mar Textiles Inc. | 1 | $2.8M |
| Michael A. Melton and Maco Incorporated | 1 | $2.7M |
| Hannleb Llc | 1 | $2.6M |
| Eesha B Llc | 2 | $2.2M |
| Jenkins Family Farm Llc | 2 | $2.1M |
| Maco Inc. | 1 | $2.0M |
| Dm&e Corporation | 1 | $2.0M |
Shelby, NC has received 165 SBA loans totaling $68.6M in approved funding between 1992 and 2026. The 7(a) program accounts for 150 loans (91% of the total), supporting 1,503 jobs. The 504 program, focused on real estate and large equipment, has funded 15 loans totaling $3.7M. The most common industry receiving SBA funding is Accommodation & Food Services. The most active SBA lender in Shelby is Truist Bank with 13 loans. That works out to 75.5 SBA loans per 10,000 residents.
ZIP Code Overview
Source: Census ACSZIP Codes
8
Total Population
89,674
Avg Median Income
-$249,962,906
Avg Home Value
-$249,902,187
ZIP Code Details
Source: Census ACS| ZIP Code | Population | Median Income | Home Value | Median Rent | Area (sq mi) |
|---|---|---|---|---|---|
| 28017 | 465 | N/A | N/A | N/A | 0.2 |
| 28042 | 306 | N/A | $91,300 | $728 | 0.5 |
| 28073 | 6,246 | $55,466 | $125,800 | $870 | 25.7 |
| 28086 | 28,921 | $56,079 | $181,600 | $879 | 90.5 |
| 28089 | 141 | $76,250 | N/A | N/A | 0.4 |
| 28150 | 26,447 | $53,027 | $195,600 | $793 | 109.5 |
| 28152 | 27,031 | $55,926 | $188,200 | $904 | 79.5 |
| 28169 | 117 | N/A | N/A | N/A | 0.6 |
Shelby, NC has 8 ZIP codes with a combined population of 89,674. The average median household income across all ZIP codes is -$249,962,906. The average median home value is -$249,902,187. The average median monthly rent is -$249,999,478.
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