Median Income
$66,429
12% lower than US avg
Home Value
$103,700
63% lower than US avg
Violent Crime
136/100K
64% lower than US avg
Bachelor's+
6.7%
80% lower than US avg
Median Rent
$513
56% lower than US avg
Obesity Rate
41.7%
30% higher than US avg
Unemployment
3.9%
8% higher than US avg
Poverty Rate
2.8%
77% lower than US avg
How Shirley Compares to the U.S. Average (100% = U.S. avg)
People
Population1,026
Median Age33.2 yrs
Density2,850/mi²
Male / Female48% / 52%
Largest GroupWhite 98%
Veterans8.9%
Economy
A
Median Income$66,429
Per Capita$27,745
Unemployment3.9%
Poverty2.8%
County GDP$2,018M
Commute31 min
Housing
A+
Home Value$103,700
Rent$513
Ownership88.0%
Zillow$204,668
Housing Units434
Rent Burden26.7%
Crime
F
Violent136/100K
Property1,698/100K
Health
Obesity41.7%
Uninsured8.4%
Smoking17.6%
Depression27.5%
Heart Disease5.8%
Climate
Avg Temp52°F (11°C)
AQI41 (Good)
Rain47.8 in/yr
Sunny Days293/yr
Elevation1,025 ft (312 m)
Education
D
Bachelor's+6.7%
High School+89.7%
Graduate+2.8%
School Score5.88
Community
2024 VoteR 73% / D 25%
Commute31 min
Broadband92.0%
EV Stations2
Libraries5
Is Shirley a Good Place to Live?
Based on current data, Shirley receives an overall livability score of 2.9 out of 5.0, earning a grade of C+. Key strengths include low crime rates, affordable housing, abundant sunshine, a low poverty rate. Areas to be aware of include high obesity rates. Shirley has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Shirley is $66,429, 12% below the national average of $75,149. Unemployment stands at 3.9%, indicating a healthy job market. Only 2.8% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 31 minutes.
Cost of Living & Housing
The median home value in Shirley is $103,700, 63% below the national median / offering relatively affordable homeownership. Renters pay a median of $513 per month, below the national average / a plus for affordability. At just 1.6x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Shirley is a very safe community with a violent crime rate of 136 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 1,698 per 100,000, near the national average.
Education
6.7% of residents hold a bachelor's degree, below the national average of 33.7%. 89.7% have completed high school. Area schools have an average test score of 5.9/10.
Climate & Weather
Shirley experiences four distinct seasons with an average temperature of 52°F. Winters average 27°F in January while summers reach 74°F in July. With 293 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 47.8 inches, including 20.2 inches of snow. Air quality is rated Good with a median AQI of 41.
Shirley has a population of 1,026 with a density of 2,850 people per square mile, spread across 0.3 square miles. The median age is 33.2 years, 15% younger than the national median of 38.9. The gender split is 52.2% female and 47.8% male. The city is predominantly White (97.7%), with 1.2% Hispanic. English is the primary language spoken at home by 98.7% of residents. 8.9% of the population are veterans, above the national rate of 6.0%. 21.6% of residents have a disability (above the 13.0% national average). 92.7% have health insurance coverage.
Population
33.2yrs
Median Age
15% below US avg
Language Spoken at Home
English Only
98.7%
26% above US avg
Spanish
1.3%
90% below US avg
The median household income in Shirley is $66,429, which is 12% below the national average of $75,149. Per capita income is $27,745 (below the $39,052 national figure). The average weekly wage is $926, 35% lower than the U.S. average. The unemployment rate is 3.9% (above the 3.6% US average). 2.8% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 893 business establishments, including 80 restaurants. The cost of living index is 93.3, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 31 minutes. 4.1% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $66,429 |
| 12% below US avg |
| Per Capita Income | $27,745 |
| Avg Weekly Wage | $926 |
| IRS Avg AGI | $58,262 |
| Gini Index | 0.427 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 3.9% |
| 8% above US avg |
| Poverty Rate | 2.8% |
| 77% below US avg |
| Establishments (County) | 893 |
| County GDP | $2,018M |
Business (County)
| Restaurants | 80 |
| Healthcare | 95 |
| Retail | 138 |
| Manufacturing | 51 |
Tax & Cost of Living
| Property Tax (IRS) | $2,909 |
| 17% below US avg |
| Cost of Living | 93.30 (100=avg) |
| Effective Tax Rate | 2.81% |
Commute & Transportation
| Commute Time | 30.9 min |
| Drive Alone | 90.7% |
| Public Transit | 0.0% |
| Work from Home | 4.1% |
The median home value in Shirley is $103,700, 63% below the national median of $281,900. Zillow estimates the typical home value at $204,668, higher than the Census estimate. Homes sell for 103.5% of their list price, indicating a competitive market where bidding wars are common. Monthly rent averages $513 (56% below the national average of $1,163). Fair market rent ranges from $882 for a one-bedroom to $1,096 for a two-bedroom apartment. 88.0% of housing units are owner-occupied (above the 65.4% national rate). There are 434 total housing units in the city. The median year a home was built is 1950. The average annual property tax is $2,909 (lower than the $3,500 national average). 26.7% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.6x, well within the affordable range.
Home Values
| Census Median | $103,700 |
| 63% below US avg |
| Zillow ZHVI | $204,668 |
Real Estate Market (Redfin)
| $/Sq Ft | $101 |
| Homes Sold | 2 |
| Sale-to-List Ratio | 103.5% |
| Price Drops | 0.0% |
Rental Costs
| Census Median Rent | $513 |
| 56% below US avg |
| Rent Burden | 26.7% |
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $882 |
| 2 Bedrooms | $1,096 |
| 3 Bedrooms | $1,391 |
| 4 Bedrooms | $1,590 |
Ownership & Property
| Homeownership | 88.0% |
| Owner-Occupied | 88.0% |
| Renter-Occupied | 12.0% |
| Housing Units | 434 |
| Median Year Built | 1950 |
Property Tax
| Avg Tax (IRS) | $2,909 |
| 17% below US avg |
| Effective Rate | 2.81% |
In Shirley, 41.7% of adults are obese, above the national rate of 32.1%. 10.6% have diabetes. Heart disease affects 5.8% of residents. 35.0% have high blood pressure. 17.6% are current smokers (above the 14.0% national rate). 18.3% report binge drinking. 24.5% are physically inactive. 27.5% report depression (above the 20.0% national average). 19.5% experience frequent mental distress. 8.4% of residents lack health insurance. The primary care physician ratio is 1:2,447. The dentist ratio is 1:2,717. 77.6% of residents have access to exercise opportunities. The food environment index is 7.4 out of 10.
Health Metrics: Shirley vs U.S. Average (%)
Chronic Conditions
| Obesity | 41.7% |
| 30% above US avg |
| Diabetes | 10.6% |
| Heart Disease | 5.8% |
| High Blood Pressure | 35.0% |
| Asthma | 11.6% |
| COPD | 7.6% |
| Cancer | 7.5% |
| Stroke | 3.0% |
Behaviors & Mental Health
| Smoking | 17.6% |
| 26% above US avg |
| Binge Drinking | 18.3% |
| Physical Inactivity | 24.5% |
| Depression | 27.5% |
| Mental Distress | 19.5% |
| Physical Distress | 13.8% |
| Short Sleep | 35.5% |
Healthcare Access
| Insurance Rate | 92.7% |
| Uninsured | 8.4% |
| 2% below US avg |
| Primary Care | 1:2,447 |
| Dentists | 1:2,717 |
| Mental Health | 1:941 |
| Checkup Rate | 76.3% |
| Dental Visits | 65.6% |
| Premature Death | 10,369/100K |
Food & Exercise
| Food Environment | 7.4/10 |
| Exercise Access | 77.6% |
| Healthcare Facilities | 95 |
Shirley has a violent crime rate of 136 per 100,000 residents, 64% below the national average of 380. Property crime stands at 1,698 per 100,000, 13% below the U.S. average. The county recorded 8 fatal traffic crashes. Overall, Shirley receives a safety grade of F.
Crime Rates: Shirley vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 135.6/100K |
| 64% below US avg |
| |
Property Crime
| Total Property | 1,697.8/100K |
| 13% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 8 |
| Traffic Accidents | 11 |
| Avg Accident Severity | 3.1 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Shirley experiences four distinct seasons with an average annual temperature of 52°F (11°C). Winters average 27°F in January while summers reach 74°F in July. The area gets 293 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 47.8 inches (wetter than the 38-inch national average). The area receives 20.2 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 1,025 feet.
Temperature
27°F Jan (-3°C)
74°F Jul (23°C)
| Annual Average | 51.9°F |
| 4% below US avg |
| January Average | 27°F (-3°C) |
| July Average | 74°F (23°C) |
| Sunny Days | 293 days/yr |
Geography
| Elevation | 1,025 ft (312 m) |
| Area | 0.3 sq mi (0.9 km²) |
| Population Density | 2,850/sq mi |
| Coordinates | 39.8909°N, 85.5799°W |
| Timezone | America/Indiana/Indianapolis |
| County | Henry County County |
| Nearest Airport | Delaware County Regional (MIE)
26 miles away |
Precipitation & Snow
Annual Rainfall
47.8"
26% above US avg
Wettest Month (Jul)
4.41"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| PM2.5 (Fine Particles) | 9.4 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 44.8 / 100 |
| Social Vulnerability | 34.5 / 100 |
| Community Resilience | 72.7 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
9 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.8. Most recent: M3.8 on Jun 17, 2021.
| Jun 17, 2021 |
Illinois-Indiana border region |
M3.8 |
146 km |
| Sep 12, 2004 |
4 km NW of Manilla, Indiana |
M3.8 |
33 km |
| Dec 20, 1990 |
5 km S of Stilesville, Indiana |
M3.7 |
96 km |
| Apr 14, 2000 |
4 km NW of Heritage Lake, Indiana |
M3.6 |
101 km |
| Dec 17, 1990 |
Illinois-Indiana border region |
M3.2 |
126 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
89 km |
| Apr 4, 1994 |
2 km WNW of Minster, Ohio |
M2.9 |
115 km |
| Jun 12, 2015 |
6 km NW of Convoy, Ohio |
M2.6 |
137 km |
| Jan 30, 2004 |
2 km S of Rockford, Ohio |
M2.5 |
117 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
582 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 50 fatalities, 1,772 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 27, 2019 |
EF4 |
96 km |
0 |
| Jun 11, 1998 |
EF4 |
34 km |
0 |
| Jun 2, 1990 |
EF4 |
94 km |
0 |
| Jul 9, 1980 |
EF4 |
31 km |
2 |
| Apr 3, 1974 |
EF4 |
32 km |
1 |
| Apr 3, 1974 |
EF4 |
86 km |
4 |
| Apr 3, 1974 |
EF4 |
17 km |
0 |
| May 14, 1972 |
EF4 |
45 km |
0 |
| Apr 11, 1965 |
EF4 |
89 km |
25 |
| Apr 11, 1965 |
EF4 |
75 km |
4 |
| Apr 25, 1961 |
EF4 |
39 km |
0 |
| Mar 6, 1956 |
EF4 |
76 km |
1 |
| Mar 14, 2024 |
EF3 |
50 km |
1 |
| Mar 31, 2023 |
EF3 |
66 km |
0 |
| Mar 31, 2023 |
EF3 |
60 km |
0 |
| May 27, 2019 |
EF3 |
95 km |
0 |
| May 27, 2019 |
EF3 |
78 km |
0 |
| Aug 24, 2016 |
EF3 |
82 km |
0 |
| Mar 2, 2012 |
EF3 |
93 km |
3 |
| Jun 5, 2010 |
EF3 |
98 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
4 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (1,102 ac, 2007).
| Year |
Name |
Acres |
Distance |
| 2007 |
UNNAMED |
1,102 |
75 km |
| 2004 |
UNIT 30 |
938 |
98 km |
| 2002 |
UNIT 1 |
707 |
100 km |
| 2004 |
UNIT 1 |
669 |
100 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
27°F (-3°C) |
2.2 in |
Coldest, Driest |
| February |
28°F (-2°C) |
2.3 in |
|
| March |
39°F (4°C) |
3.3 in |
|
| April |
50°F (10°C) |
4.0 in |
|
| May |
61°F (16°C) |
4.4 in |
|
| June |
70°F (21°C) |
4.1 in |
|
| July |
74°F (23°C) |
4.4 in |
Warmest, Wettest |
| August |
71°F (22°C) |
3.7 in |
|
| September |
65°F (18°C) |
3.0 in |
|
| October |
53°F (12°C) |
2.9 in |
|
| November |
42°F (5°C) |
3.5 in |
|
| December |
30°F (-1°C) |
3.0 in |
|
Shirley has a seasonal temperature swing of 48°F / from 27°F in January to 74°F in July. Total annual precipitation is 40.7 inches, with July being the wettest month (4.4") and January the driest (2.2").
Average costs for common services in Shirley. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$233 ($140–$373) |
| Specialist Visit |
$327 ($187–$513) |
| Urgent Care Visit |
$187 ($93–$327) |
| Emergency Room Visit |
$2,053 ($746–$4,665) |
| Dental Cleaning |
$121 ($70–$187) |
| Dental Filling |
$233 ($140–$373) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($23–$70) |
| Oil Change (Synthetic) |
$70 ($47–$112) |
| Brake Pad Replacement |
$280 ($140–$467) |
| Tire Rotation |
$37 ($19–$70) |
| New Tires (Set of 4) |
$560 ($373–$933) |
| Battery Replacement |
$187 ($93–$327) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$93 ($56–$140) |
| Electrician (Per Hour) |
$84 ($47–$131) |
| HVAC Repair |
$373 ($140–$746) |
| HVAC System Install |
$6,531 ($3,732–$11,196) |
| Roof Repair |
$933 ($373–$1,866) |
| Roof Replacement |
$8,397 ($5,132–$13,995) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,400 ($467–$3,266) |
| Divorce (Contested) |
$13,995 ($4,665–$27,990) |
| DUI Defense |
$4,665 ($1,866–$9,330) |
| Bankruptcy (Chapter 7) |
$1,400 ($746–$2,799) |
| Will Preparation |
$467 ($187–$933) |
| Trust Preparation |
$2,333 ($933–$4,665) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$42) |
| Women's Haircut |
$51 ($28–$93) |
| Hair Coloring (Full) |
$140 ($70–$233) |
| Manicure |
$23 ($14–$42) |
| Pedicure |
$37 ($23–$61) |
| Massage (1 Hour) |
$75 ($47–$121) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.83 ($2.80–$5.13) |
| Dozen Eggs (per dozen) |
$3.27 ($2.33–$4.67) |
| Loaf of Bread |
$3.55 ($2.33–$5.13) |
| Chicken Breast (per lb) |
$4.20 ($2.80–$6.06) |
| Ground Beef (per lb) |
$5.13 ($3.73–$7.00) |
| Rice (per lb) |
$0.93 ($0.56–$1.68) |
View all 20 services
Utilities
| Electricity (Monthly) |
$131 ($75–$233) |
| Natural Gas (Monthly) |
$65 ($28–$140) |
| Water/Sewer (Monthly) |
$65 ($37–$112) |
| Internet (Monthly) |
$65 ($37–$93) |
| Cell Phone Plan (Monthly) |
$61 ($28–$93) |
| Cable TV (Monthly) |
$79 ($47–$140) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$187 ($70–$467) |
| Car Insurance (Annual) |
$1,866 ($1,120–$3,266) |
| Bus Pass (Monthly) |
$65 ($28–$121) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.46–$23) |
| Car Registration (Annual) |
$93 ($28–$233) |
| Driver's License Renewal |
$28 ($14–$70) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,120 ($560–$2,333) |
| Daycare (Toddler, Monthly) |
$933 ($467–$1,866) |
| After-School Care (Monthly) |
$373 ($187–$653) |
| Tutoring (Per Hour) |
$47 ($23–$93) |
| SAT/ACT Prep Course |
$933 ($373–$2,333) |
| Private School (K-12, Annual) |
$11,663 ($4,665–$27,990) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28–$93) |
| Dog Vaccination (Annual) |
$93 ($47–$187) |
| Dog Grooming |
$56 ($28–$93) |
| Pet Boarding (Per Night) |
$37 ($19–$70) |
| Dog Spay/Neuter |
$280 ($140–$467) |
| Cat Spay/Neuter |
$187 ($93–$373) |
View all 9 services
Frequently Asked Questions About Shirley
What is the population of Shirley?
Shirley has a population of 1,026 residents and is located in Indiana. The population density is 2,850 people per square mile, spread across 0.3 square miles. The median age of residents is 33.2 years, which is younger than the national median of 38.9 years. The population is 52.2% female and 47.8% male.
Is Shirley expensive to live in?
Shirley is more affordable than the national average, with a cost of living index of 93.3 / below the baseline of 100. The median household income is $66,429, 12% below the national average of $75,149. The median home value is $103,700 (63% below the U.S. median). Renters pay a median of $513 per month, below the national average of $1,163. The home price-to-income ratio is 1.6x, indicating housing is reasonably affordable relative to local income levels.
Is Shirley safe?
Shirley is considered a very safe city with a violent crime rate of 136 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 1,698 per 100,000 (below the national average). Overall, Shirley receives a safety grade of F based on combined crime data.
What is the weather like in Shirley?
Shirley has a four-season climate with an average annual temperature of 52°F (11°C). Winter temperatures average 27°F in January, while summers reach an average of 74°F in July. The area receives 293 sunny days per year, well above the national average of 205. Annual rainfall totals 47.8 inches, with 20.2 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Shirley?
Shirley has a healthy job market with an unemployment rate of 3.9%, near the national average of 3.6%. The average weekly wage is $926. There are 893 business establishments in the area, including 80 restaurants and food service locations. The average commute time is 31 minutes, and 4.1% of workers work from home.
How much does housing cost in Shirley?
The median home value in Shirley is $103,700. Zillow estimates the typical home value at $204,668. For renters, the median monthly rent is $513. Fair market rent is $882 for a 1-bedroom and $1,096 for a 2-bedroom apartment. The homeownership rate is 88.0%. The average annual property tax is $2,909.
How are the schools in Shirley?
Schools in Shirley score 5.9 out of 10 on standardized testing, near the national average. 6.7% of adults in Shirley hold a bachelor's degree or higher, below the national average of 33.7%. 89.7% have completed high school. 2.8% hold a graduate or professional degree.
How healthy is Shirley?
The obesity rate in Shirley is 41.7% (above the national rate of 32.1%). 17.6% of adults are smokers. 24.5% are physically inactive. 27.5% of residents report depression. 8.4% lack health insurance. 77.6% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,447.
What is transportation like in Shirley?
The average commute in Shirley is 31 minutes, longer than the national average of 28 minutes. 90.7% of workers drive alone to work, and 4.1% work from home.
What are the demographics of Shirley?
The racial and ethnic makeup of Shirley is 97.7% White, 1.2% Hispanic or Latino. 98.7% of residents speak only English at home. 8.9% of the population are military veterans. 21.6% of residents have a disability. 92.7% have health insurance coverage.
All Countries
