Median Income
$53,357
29% lower than US avg
Home Value
$206,000
27% lower than US avg
Violent Crime
192/100K
50% lower than US avg
Bachelor's+
19.4%
42% lower than US avg
Median Rent
$769
34% lower than US avg
Obesity Rate
34.8%
8% higher than US avg
Unemployment
1.1%
69% lower than US avg
Poverty Rate
2.0%
84% lower than US avg
How Shelby Compares to the U.S. Average (100% = U.S. avg)
People
Population3,129
Median Age42.0 yrs
Density541/mi²
Male / Female62% / 38%
Largest GroupWhite 82%
Veterans12.9%
Economy
A
Median Income$53,357
Per Capita$31,495
Unemployment1.1%
Poverty2.0%
County GDP$489M
Commute12 min
Housing
A+
Home Value$206,000
Rent$769
Ownership64.9%
Zillow$176,469
Housing Units1,427
Rent Burden24.4%
Crime
F
Violent192/100K
Property2,340/100K
Health
Obesity34.8%
Uninsured13.7%
Smoking19.7%
Depression23.0%
Heart Disease6.2%
Climate
Avg Temp42°F (6°C)
AQI26 (Good)
Rain12.1 in/yr
Sunny Days274/yr
Elevation3,419 ft (1,042 m)
Education
C+
Bachelor's+19.4%
High School+87.1%
Graduate+11.4%
School Score5.69
Community
2024 VoteR 77% / D 20%
Commute12 min
Broadband87.5%
Libraries2
Is Shelby a Good Place to Live?
Based on current data, Shelby receives an overall livability score of 3.0 out of 5.0, earning a grade of B. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include a high uninsured rate, below-average incomes. Shelby offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Shelby is $53,357, 29% below the national average of $75,149. The job market is very strong with unemployment at just 1.1%. Only 2.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 12 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Shelby is $206,000, 27% below the national median / offering relatively affordable homeownership. Renters pay a median of $769 per month, below the national average / a plus for affordability. A price-to-income ratio of 3.9x indicates a reasonably affordable housing market.
Safety & Crime
Violent crime in Shelby is below the national average at 192 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 2,340 per 100,000, near the national average.
Education
19.4% of residents hold a bachelor's degree, below the national average of 33.7%. 87.1% have completed high school. Area schools have an average test score of 5.7/10.
Climate & Weather
Shelby has a cool climate with an average annual temperature of 42°F. Winters average 19°F in January while summers reach 67°F in July. With 274 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 12.1 inches, including 38.9 inches of snow. Air quality is rated Good with a median AQI of 26.
Shelby has a population of 3,129 with a density of 541 people per square mile, spread across 6.0 square miles. The median age is 42.0 years, 8% older than the national median of 38.9. The gender split is 37.8% female and 62.2% male. The city is predominantly White (81.5%), with 9.1% Hispanic, 3% Black. English is the primary language spoken at home by 93.5% of residents, while 6.5% speak Spanish. 12.9% of the population are veterans, above the national rate of 6.0%. 21.1% of residents have a disability (above the 13.0% national average). 94.0% have health insurance coverage.
Population
42.0yrs
Median Age
8% above US avg
Language Spoken at Home
English Only
93.5%
19% above US avg
Spanish
6.5%
51% below US avg
The median household income in Shelby is $53,357, which is 29% below the national average of $75,149. Per capita income is $31,495 (below the $39,052 national figure). The average weekly wage is $1,073, 25% lower than the U.S. average. The unemployment rate is 1.1% (below the 3.6% US average). 2.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 239 business establishments, including 20 restaurants. The cost of living index is 94.6, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 12 minutes (shorter than the 28-minute US average). 5.1% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $53,357 |
| 29% below US avg |
| Per Capita Income | $31,495 |
| Avg Weekly Wage | $1,073 |
| IRS Avg AGI | $52,969 |
| Gini Index | 0.430 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.1% |
| 69% below US avg |
| Poverty Rate | 2.0% |
| 84% below US avg |
| Establishments (County) | 239 |
| County GDP | $489M |
Business (County)
| Restaurants | 20 |
| Healthcare | 12 |
| Retail | 17 |
| Manufacturing | 4 |
Tax & Cost of Living
| Property Tax (IRS) | $3,750 |
| 7% above US avg |
| Cost of Living | 94.60 (100=avg) |
| Effective Tax Rate | 1.82% |
Commute & Transportation
| Commute Time | 12.3 min |
| Drive Alone | 84.2% |
| Public Transit | 0.0% |
| Work from Home | 5.1% |
The median home value in Shelby is $206,000, 27% below the national median of $281,900. Zillow estimates the typical home value at $176,469, lower than the Census estimate. Monthly rent averages $769 (34% below the national average of $1,163). Fair market rent ranges from $1,076 for a one-bedroom to $1,336 for a two-bedroom apartment. 64.9% of housing units are owner-occupied. There are 1,427 total housing units in the city. The median year a home was built is 1961. The average annual property tax is $3,750. 24.4% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.9x.
Home Values
| Census Median | $206,000 |
| 27% below US avg |
| Zillow ZHVI | $176,469 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $769 |
| 34% below US avg |
| Rent Burden | 24.4% |
HUD Fair Market Rent
| Studio | $988 |
| 1 Bedroom | $1,076 |
| 2 Bedrooms | $1,336 |
| 3 Bedrooms | $1,789 |
| 4 Bedrooms | $2,113 |
Ownership & Property
| Homeownership | 64.9% |
| Owner-Occupied | 64.9% |
| Renter-Occupied | 35.1% |
| Housing Units | 1,427 |
| Median Year Built | 1961 |
Property Tax
| Avg Tax (IRS) | $3,750 |
| 7% above US avg |
| Effective Rate | 1.82% |
In Shelby, 34.8% of adults are obese, above the national rate of 32.1%. 10.0% have diabetes. Heart disease affects 6.2% of residents. 30.9% have high blood pressure. 19.7% are current smokers (above the 14.0% national rate). 23.1% report binge drinking. 25.3% are physically inactive. 23.0% report depression. 19.4% experience frequent mental distress. 13.7% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:1,670. The dentist ratio is 1:1,270. 66.0% of residents have access to exercise opportunities. The food environment index is 8.1 out of 10.
Health Metrics: Shelby vs U.S. Average (%)
Chronic Conditions
| Obesity | 34.8% |
| 8% above US avg |
| Diabetes | 10.0% |
| Heart Disease | 6.2% |
| High Blood Pressure | 30.9% |
| Asthma | 10.9% |
| COPD | 7.4% |
| Cancer | 7.1% |
| Stroke | 3.4% |
Behaviors & Mental Health
| Smoking | 19.7% |
| 41% above US avg |
| Binge Drinking | 23.1% |
| Physical Inactivity | 25.3% |
| Depression | 23.0% |
| Mental Distress | 19.4% |
| Physical Distress | 14.8% |
| Short Sleep | 31.7% |
Healthcare Access
| Insurance Rate | 94.0% |
| Uninsured | 13.7% |
| 59% above US avg |
| Primary Care | 1:1,670 |
| Dentists | 1:1,270 |
| Mental Health | 1:428 |
| Checkup Rate | 65.7% |
| Dental Visits | 56.5% |
| Premature Death | 10,313/100K |
Food & Exercise
| Food Environment | 8.1/10 |
| Exercise Access | 66.0% |
| Healthcare Facilities | 12 |
Shelby has a violent crime rate of 192 per 100,000 residents, 50% below the national average of 380. Property crime stands at 2,340 per 100,000, 19% above the U.S. average. Overall, Shelby receives a safety grade of F.
Crime Rates: Shelby vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 191.8/100K |
| 50% below US avg |
| |
Property Crime
| Total Property | 2,339.9/100K |
| 19% above US avg |
Traffic Safety
| Traffic Accidents | 45 |
| Avg Accident Severity | 2.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Shelby has a cool climate with an average annual temperature of 42°F (6°C). Winters average 19°F in January while summers reach 67°F in July. The area gets 274 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 12.1 inches (drier than the 38-inch national average). The area receives 38.9 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 26 / among the cleanest air in the country. The city sits at an elevation of 3,419 feet.
Temperature
19°F Jan (-7°C)
67°F Jul (19°C)
| Annual Average | 42.2°F |
| 22% below US avg |
| January Average | 19°F (-7°C) |
| July Average | 67°F (19°C) |
| Sunny Days | 274 days/yr |
Geography
| Elevation | 3,419 ft (1,042 m) |
| Area | 6.0 sq mi (15.4 km²) |
| Population Density | 541/sq mi |
| Coordinates | 48.5021°N, 111.8620°W |
| Timezone | America/Denver |
| County | Toole County County |
| Nearest Airport | Cut Bank International (CTB) 25 miles away |
Precipitation & Snow
Annual Rainfall
12.1"
68% below US avg
Wettest Month (Jun)
2.40"
Air Quality
| AQI Median | 26.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 13.0 / 100 |
| Social Vulnerability | 64.7 / 100 |
| Community Resilience | 19.8 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Very Low |
| Strong Wind |
Very Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Very Low |
| Ice Storm |
Very Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Moderate |
| Landslide |
Very Low |
| Avalanche |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
45 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.0. Most recent: M3.0 on Jan 20, 2025.
| Apr 15, 1998 |
11 km NE of Swan Lake, Montana |
M4.1 |
150 km |
| Jul 19, 2002 |
43 km NE of Seeley Lake, Montana |
M4.0 |
148 km |
| Aug 16, 1994 |
27 km W of Chester, Montana |
M3.9 |
39 km |
| Jul 2, 1992 |
4 km SSE of South Browning, Montana |
M3.8 |
84 km |
| May 1, 1997 |
35 km SSE of Magrath, Canada |
M3.8 |
91 km |
| Jun 5, 1991 |
18 km SW of Shelby, Montana |
M3.6 |
18 km |
| Sep 29, 2009 |
42 km NW of Santa Rita, Montana |
M3.6 |
81 km |
| May 10, 1990 |
47 km SSW of Heart Butte, Montana |
M3.6 |
111 km |
| Jan 20, 2003 |
10 km S of Little Browning, Montana |
M3.5 |
35 km |
| Jan 3, 2008 |
13 km SSE of Magrath, Canada |
M3.5 |
112 km |
| Aug 15, 1996 |
33 km WNW of Sweet Grass, Montana |
M3.4 |
75 km |
| Aug 11, 1992 |
27 km W of Augusta, Montana |
M3.4 |
132 km |
| Nov 17, 1992 |
39 km NNW of Santa Rita, Montana |
M3.4 |
78 km |
| Jan 1, 1993 |
20 km WSW of Sweet Grass, Montana |
M3.4 |
50 km |
| Jan 22, 1993 |
33 km SSE of Raymond, Canada |
M3.4 |
88 km |
| Sep 7, 2014 |
36 km SSE of Magrath, Canada |
M3.4 |
90 km |
| Nov 21, 1992 |
Western Montana |
M3.4 |
140 km |
| Nov 6, 2002 |
3 km SSE of Little Browning, Montana |
M3.4 |
36 km |
| Mar 5, 1995 |
2 km NW of Cut Bank, Montana |
M3.3 |
40 km |
| Jul 31, 2009 |
41 km E of Swan Lake, Montana |
M3.2 |
124 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
20 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF2.
| Date |
Rating |
Distance |
Fatalities |
| May 7, 1982 |
EF2 |
44 km |
0 |
| Jun 13, 2006 |
EF1 |
60 km |
0 |
| Jun 6, 1994 |
EF1 |
27 km |
0 |
| May 25, 1980 |
EF1 |
64 km |
0 |
| Jun 1, 1977 |
EF1 |
29 km |
0 |
| May 24, 1977 |
EF1 |
81 km |
0 |
| Jun 2, 1999 |
EF0 |
61 km |
0 |
| Jun 27, 1996 |
EF0 |
67 km |
0 |
| Jun 6, 1994 |
EF0 |
9 km |
0 |
| Jun 21, 1993 |
EF0 |
1 km |
0 |
| Jun 26, 1992 |
EF0 |
92 km |
0 |
| Jun 29, 1991 |
EF0 |
57 km |
0 |
| Jul 5, 1990 |
EF0 |
98 km |
0 |
| Jul 5, 1988 |
EF0 |
98 km |
0 |
| Jun 29, 1986 |
EF0 |
63 km |
0 |
| May 7, 1982 |
EF0 |
44 km |
0 |
| Aug 2, 1981 |
EF0 |
3 km |
0 |
| Aug 2, 1981 |
EF0 |
3 km |
0 |
| Jul 3, 1963 |
EF0 |
93 km |
0 |
| Jun 5, 1963 |
EF0 |
79 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: FOOL CREEK (53,912 ac, 2007).
| Year |
Name |
Acres |
Distance |
| 2007 |
FOOL CREEK |
53,912 |
99 km |
| 2015 |
FAMILY PEAK COMPLEX |
49,769 |
87 km |
| 2017 |
STRAWBERRY |
17,781 |
91 km |
| 2021 |
GREENHOUSE |
14,501 |
74 km |
| 2017 |
CRUCIFIXION CREEK |
9,971 |
98 km |
| 1993 |
FREEZEOUT LAKE |
9,793 |
95 km |
| 2012 |
WYE FIRE |
6,141 |
72 km |
| 2012 |
BOY |
5,706 |
82 km |
| 1996 |
SHARPSFIRE |
4,461 |
78 km |
| 2003 |
PARDUE |
4,269 |
56 km |
| 1991 |
POWER |
3,822 |
86 km |
| 1998 |
BOWL MTN. |
3,251 |
98 km |
| 1992 |
RDOORECMPX |
3,088 |
73 km |
| 2022 |
BENTON LAKE UNIT 3 AND 4B |
2,996 |
99 km |
| 2000 |
BUNYAN POINT-EAR MTN. COMPLEX (EAR MOUNTAIN) |
2,660 |
92 km |
| 2006 |
NANNY CREEK |
2,343 |
88 km |
| 2005 |
H RX F COMPLEX BROADCAST BURNS |
1,747 |
98 km |
| 1994 |
WALBERGERS |
1,732 |
93 km |
| 1992 |
POWER |
1,290 |
85 km |
| 2006 |
MISSION LAKE FIRE |
1,100 |
61 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
19°F (-7°C) |
0.4 in |
Coldest |
| February |
26°F (-3°C) |
0.3 in |
Driest |
| March |
34°F (1°C) |
0.6 in |
|
| April |
44°F (7°C) |
0.9 in |
|
| May |
54°F (12°C) |
2.2 in |
|
| June |
62°F (17°C) |
2.4 in |
Wettest |
| July |
67°F (19°C) |
1.4 in |
|
| August |
67°F (20°C) |
1.5 in |
Warmest |
| September |
56°F (13°C) |
1.1 in |
|
| October |
46°F (8°C) |
0.5 in |
|
| November |
32°F (-0°C) |
0.4 in |
|
| December |
23°F (-5°C) |
0.4 in |
|
Shelby has a seasonal temperature swing of 48°F / from 19°F in January to 67°F in August. Total annual precipitation is 12.0 inches, with June being the wettest month (2.4") and February the driest (0.3").
Average costs for common services in Shelby. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$237 ($142–$378) |
| Specialist Visit |
$331 ($189–$520) |
| Urgent Care Visit |
$189 ($95–$331) |
| Emergency Room Visit |
$2,081 ($757–$4,730) |
| Dental Cleaning |
$123 ($71–$189) |
| Dental Filling |
$237 ($142–$378) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$43 ($24–$71) |
| Oil Change (Synthetic) |
$71 ($47–$114) |
| Brake Pad Replacement |
$284 ($142–$473) |
| Tire Rotation |
$38 ($19–$71) |
| New Tires (Set of 4) |
$568 ($378–$946) |
| Battery Replacement |
$189 ($95–$331) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$95 ($57–$142) |
| Electrician (Per Hour) |
$85 ($47–$132) |
| HVAC Repair |
$378 ($142–$757) |
| HVAC System Install |
$6,622 ($3,784–$11,352) |
| Roof Repair |
$946 ($378–$1,892) |
| Roof Replacement |
$8,514 ($5,203–$14,190) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,419 ($473–$3,311) |
| Divorce (Contested) |
$14,190 ($4,730–$28,380) |
| DUI Defense |
$4,730 ($1,892–$9,460) |
| Bankruptcy (Chapter 7) |
$1,419 ($757–$2,838) |
| Will Preparation |
$473 ($189–$946) |
| Trust Preparation |
$2,365 ($946–$4,730) |
View all 12 services
Personal Care
| Men's Haircut |
$24 ($14–$43) |
| Women's Haircut |
$52 ($28–$95) |
| Hair Coloring (Full) |
$142 ($71–$237) |
| Manicure |
$24 ($14–$43) |
| Pedicure |
$38 ($24–$61) |
| Massage (1 Hour) |
$76 ($47–$123) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.88 ($2.84–$5.20) |
| Dozen Eggs (per dozen) |
$3.31 ($2.37–$4.73) |
| Loaf of Bread |
$3.59 ($2.37–$5.20) |
| Chicken Breast (per lb) |
$4.26 ($2.84–$6.15) |
| Ground Beef (per lb) |
$5.20 ($3.78–$7.10) |
| Rice (per lb) |
$0.95 ($0.57–$1.70) |
View all 20 services
Utilities
| Electricity (Monthly) |
$132 ($76–$237) |
| Natural Gas (Monthly) |
$66 ($28–$142) |
| Water/Sewer (Monthly) |
$66 ($38–$114) |
| Internet (Monthly) |
$66 ($38–$95) |
| Cell Phone Plan (Monthly) |
$61 ($28–$95) |
| Cable TV (Monthly) |
$80 ($47–$142) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$189 ($71–$473) |
| Car Insurance (Annual) |
$1,892 ($1,135–$3,311) |
| Bus Pass (Monthly) |
$66 ($28–$123) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.57–$24) |
| Car Registration (Annual) |
$95 ($28–$237) |
| Driver's License Renewal |
$28 ($14–$71) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,135 ($568–$2,365) |
| Daycare (Toddler, Monthly) |
$946 ($473–$1,892) |
| After-School Care (Monthly) |
$378 ($189–$662) |
| Tutoring (Per Hour) |
$47 ($24–$95) |
| SAT/ACT Prep Course |
$946 ($378–$2,365) |
| Private School (K-12, Annual) |
$11,825 ($4,730–$28,380) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$57 ($28–$95) |
| Dog Vaccination (Annual) |
$95 ($47–$189) |
| Dog Grooming |
$57 ($28–$95) |
| Pet Boarding (Per Night) |
$38 ($19–$71) |
| Dog Spay/Neuter |
$284 ($142–$473) |
| Cat Spay/Neuter |
$189 ($95–$378) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $893 |
| Toddler | $927 |
| Preschool | $797 |
| Family Childcare (monthly) |
| Infant | $721 |
| Toddler | $735 |
| Preschool | $735 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Shelby
What is the population of Shelby?
Shelby has a population of 3,129 residents and is located in Montana. The population density is 541 people per square mile, spread across 6.0 square miles. The median age of residents is 42.0 years, which is older than the national median of 38.9 years. The population is 37.8% female and 62.2% male.
Is Shelby expensive to live in?
Shelby is more affordable than the national average, with a cost of living index of 94.6 / below the baseline of 100. The median household income is $53,357, 29% below the national average of $75,149. The median home value is $206,000 (27% below the U.S. median). Renters pay a median of $769 per month, below the national average of $1,163. The home price-to-income ratio is 3.9x, indicating housing is reasonably affordable relative to local income levels.
Is Shelby safe?
Shelby is safer than the national average, with a violent crime rate of 192 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 2,340 per 100,000 (above the national average). Overall, Shelby receives a safety grade of F based on combined crime data.
What is the weather like in Shelby?
Shelby has a cool climate with an average annual temperature of 42°F (6°C). Winter temperatures average 19°F in January, while summers reach an average of 67°F in July. The area receives 274 sunny days per year, well above the national average of 205. Annual rainfall totals 12.1 inches, with 38.9 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 26.
How is the job market in Shelby?
The job market in Shelby is very strong, with unemployment at just 1.1% / well below the national rate of 3.6%. The average weekly wage is $1,073. There are 239 business establishments in the area, including 20 restaurants and food service locations. The average commute time is 12 minutes, and 5.1% of workers work from home.
How much does housing cost in Shelby?
The median home value in Shelby is $206,000. Zillow estimates the typical home value at $176,469. For renters, the median monthly rent is $769. Fair market rent is $1,076 for a 1-bedroom and $1,336 for a 2-bedroom apartment. The homeownership rate is 64.9%. The average annual property tax is $3,750.
How are the schools in Shelby?
Schools in Shelby score 5.7 out of 10 on standardized testing, near the national average. 19.4% of adults in Shelby hold a bachelor's degree or higher, below the national average of 33.7%. 87.1% have completed high school. 11.4% hold a graduate or professional degree.
How healthy is Shelby?
The obesity rate in Shelby is 34.8% (above the national rate of 32.1%). 19.7% of adults are smokers. 25.3% are physically inactive. 23.0% of residents report depression. 13.7% lack health insurance (above the national rate). 66.0% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,670.
What is transportation like in Shelby?
The average commute in Shelby is 12 minutes, shorter than the national average of 28 minutes. 84.2% of workers drive alone to work, and 5.1% work from home.
What are the demographics of Shelby?
The racial and ethnic makeup of Shelby is 81.5% White, 3% Black or African American, 9.1% Hispanic or Latino. 93.5% of residents speak only English at home, while 6.5% speak Spanish. 12.9% of the population are military veterans. 21.1% of residents have a disability. 94.0% have health insurance coverage.