Shelbyville, KY vs. Middletown, KY: Cost of Living Comparison (2025)
Which city gives you more for your money – Shelbyville or Middletown? This article provides a detailed cost of living comparison to help families relocating, professionals choosing between job offers, or anyone comparing the real costs of living in these two Kentucky cities in 2025. All income figures are expressed in gross monthly income (pre-tax).
1. Housing Costs
Housing is often the biggest factor in cost of living. Here’s how typical rent and home prices compare:
| Housing Type | Shelbyville | Middletown |
|---|---|---|
| 2BR Apartment Rent | $950 | $1,150 |
| 3BR House Mortgage | $1,350 | $1,600 |
| Median Home Price | $280,000 | $340,000 |
🏆 Winner: Shelbyville. Housing costs an average of 15-20% less in Shelbyville compared to Middletown.
2. Utilities and Energy Costs
Utility bills are fairly similar between the two cities, with Shelbyville having a slight edge:
- Shelbyville: $180-$220/month
- Middletown: $200-$240/month
Both cities experience hot summers and cool winters. Shelbyville offers more off-peak energy plans to help manage seasonal costs.
🏆 Winner: Shelbyville, but only by about $20/month on average.
3. Groceries and Daily Expenses
Grocery costs are nearly identical in Shelbyville and Middletown. Expect to spend around $400/month for a couple or $800/month for a family of four. Eating out is also comparable, with most casual restaurants charging $12-18 per entree in both cities.
🏆 Winner: Tie. No major difference in food and daily living costs.
4. Taxes and Fees
Shelbyville has slightly lower property tax rates than Middletown (0.85% vs 0.95%). City service fees like trash and water are similar. HOA fees tend to be about $50/month higher in Middletown neighborhoods.
🏆 Winner: Shelbyville. Lower property taxes can add up to meaningful savings for homeowners.
5. Cost Summary
| Category | Shelbyville | Middletown |
|---|---|---|
| Housing | $950 – $1,350 | $1,150 – $1,600 |
| Utilities | $180 – $220 | $200 – $240 |
| Groceries | $400 – $800 | $400 – $800 |
| Transportation | $60 – $80 | $50 – $70 |
| Taxes | 0.85% | 0.95% |
| Misc Fees | $100 – $200 | $150 – $250 |
| Estimated Monthly Total | $1,690 – $2,650 | $1,950 – $2,960 |
6. Lifestyle Fit
Shelbyville offers more affordable housing and a quaint small-town feel. It’s great for those who value space and don’t mind a slightly longer commute. Shelbyville is about 5°F cooler than Middletown in the summer months.
Middletown has more walkable neighborhoods and convenient amenities. It’s closer to Louisville for work and entertainment. Middletown has 20% more public parks than Shelbyville.
7. FAQ
Q: Is Shelbyville more affordable than Middletown?
A: Yes, Shelbyville has lower housing costs and property taxes, making it more affordable overall. See a full breakdown of average monthly expenses in Shelbyville, KY.
Q: Which city has lower rent?
A: Shelbyville rent is typically 15-20% lower than in Middletown. A 2BR apartment averages $950/month in Shelbyville vs. $1,150 in Middletown.
Q: Where is it cheaper to buy a home?
A: Shelbyville has lower home prices and property tax rates. The median home costs $280,000 in Shelbyville compared to $340,000 in Middletown. Learn more about the cost of living in Shelbyville, KY and what you’ll really spend.
8. Conclusion
While both cities provide a high quality of life, Shelbyville comes out ahead on affordability. A household moving from Middletown to Shelbyville might save $400/month on housing alone. However, Middletown’s walkability and proximity to Louisville could be worth the premium for some.
Ultimately, the best fit depends on your budget, space needs, and lifestyle priorities. Considering a move? Compare moving options like pods vs. trucks to find the most efficient way to relocate.
For more cost of living comparisons, check out our other breakdowns for cities across Kentucky.