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City · 5,092 residents · Bingham County, Idaho

Shelley , Idaho

In Shelley, a typical home is worth $295,200 and typical rent is $1,265 a month. Compared with all of Bingham County, typical rent is 45% higher and the share of households that own their home is 6 points lower.

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  • Typical home value

    $295,200

    About the same as the county

    29% below Idaho

    • Shelley
    • Bingham
    • Idaho

  • Typical rent

    $1,265a month

    45% above the county

    2% above Idaho

    • Shelley
    • Bingham
    • Idaho

  • Typical household income

    $77,563a year

    About the same as the county

    About the same as Idaho

    • Shelley
    • Bingham
    • Idaho

  • Households that own their home

    75%

    6 points below the county

    3 points above Idaho

    • Shelley
    • Bingham
    • Idaho

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$434,907
2.9% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Shelley is in Bingham County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Bingham County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Shelley apart

What this place has that others do not, from public data, most unusual first.

  1. The typical rent in Shelley is $1,265 a month, 45% more than in Bingham County as a whole ($874).

  2. Nearby, in Blackfoot, the typical rent is $839: 34% less than in Shelley ($1,265).

  3. 75% of households in Shelley own their home, against 81% in Bingham County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Shelley

What homes there are in Shelley, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is still the most common home in Shelley, but it weighs less than in Bingham County: 68% against 76%.

Year built

There are fewer big homes in Shelley than in Bingham County: 75% have 3 bedrooms or more, against 79%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,396 a month

Bingham County: $1,505 a month

Without a mortgage

$399 a month

Bingham County: $427 a month

Owners with a mortgage

57%

Bingham County: 58%

The typical cost for an owner with a mortgage in Shelley is $1,396 a month, less than in Bingham County ($1,505); without one, $399.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Shelley rose 90%; in Bingham County, it rose 83%.

The typical rent in Shelley rose 67% over the same time; in Bingham County, it rose 32%.

Here income did not keep up with housing: it rose 48%, while home values changed +90% and rent +67%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureShelleyBingham CountyIdahoUnited States
Rental vacancy Unreliable estimateUnreliable estimate3.9%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room Unreliable estimate3.0%3.1%3.4%
People per household 3.043.052.642.53
Drive alone 79%79%73%69%
Carpool Unreliable estimate11%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%3%3%
Work from home Unreliable estimate7%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate10 to 19 minutes20 to 29 minutes

By size, households in Shelley look like those in Bingham County: 3.04 people on average.

To get to work, 79% of workers in Shelley drive alone; in Bingham County, 79%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Shelley?

A typical home costs more than the typical income allows

We start with a typical home in Shelley, worth $295,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Shelley, which is $77,563 a year. For that payment to be 28% of income, a household would need to earn about $100,291 a year.

The calculator's FHA and conventional loan limits are those of all of Bingham County.

Your numbers

Local data
$

Starts at the typical home value in Shelley. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $10,332 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,340

at 7.18% · 30 years

Loan amount
$289,853
Total interest
$417,031
Paid off in
November 2056

Includes $4,985 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,810 a month

  • Tight

    $1,810 to $2,327 a month

  • Hard

    more than $2,327 a month

    Your payment · 36%

Compared with the typical household income in Shelley ($77,563 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,340
Principal & interest$1,964
Property tax$123
Home insurance$123
FHA mortgage insurance (MIP)$131

You need at least $10,332 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Shelley and Bingham County

Shelley is in Bingham County, Idaho. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Shelley's own numbers

Typical home value
$295,200
Typical monthly rent
$1,265
Typical yearly household income
$77,563
Households that own their home
75%
Effective property tax rate
0.5%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Bingham County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,017
Price change over 5 years (FHFA)
+64%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Bingham County.

Everything about Bingham County

Buying

Buying a home in Shelley

A typical home in Shelley is worth $295,200: about the same as the county and 29% below Idaho. With the typical household income in Shelley ($77,563 a year), a typical home costs 3.8 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Shelley 3.8 years
  • Bingham 3.8 years
  • Idaho 5.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Bingham County

According to FHFA’s house price index, home prices in Bingham County rose 145% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Bingham County.

Period County Idaho U.S.
Last year (2025) +6.2% +2.3% +2.9%
5 years (2020–2025) +64% +57% +47%
10 years (2015–2025) +145% +149% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Shelley next to Bingham County, Idaho and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Shelley $295,200
  • Bingham $293,300
  • Idaho $418,600
  • United States $332,700
Typical monthly rent
  • Shelley $1,265
  • Bingham $874
  • Idaho $1,238
  • United States $1,413
Typical yearly household income
  • Shelley $77,563
  • Bingham $77,878
  • Idaho $77,800
  • United States $80,734
See the full table
Shelley next to Bingham County and Idaho
Measure Shelley Bingham County Idaho U.S.
Typical home value $295,200 $293,300 $418,600 $332,700
Typical monthly rent $1,265 $874 $1,238 $1,413
Typical yearly household income $77,563 $77,878 $77,800 $80,734
Households that own their home 75% 81% 72% 65%
Typical yearly property tax $1,470 $1,477 $2,038 $3,119
Effective property tax rate 0.5% 0.5% 0.49% 0.94%
Renters with high rent for their income 45% 40% 47% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Bingham County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Shelley

For a typical $295,200 home in Shelley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Shelley's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,340a month

    Least cash to close
    Down payment
    $10,332
    Cash to close
    $19,188
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $131

  • Conventional, 5% down $2,286a month

    Down payment
    $14,760
    Cash to close
    $23,616
    Rate
    7.18%
    Mortgage insurance
    PMI · $140

  • Conventional, 20% down, no PMI $1,846a month

    Down payment
    $59,040
    Cash to close
    $67,896
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,119a month

    Down payment
    $44,280
    Cash to close
    $53,136
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Shelley and for Bingham County.

Property tax

Effective rate in Shelley

0.5%of the home’s value each year

$1,470 a year for the typical owner in Shelley.

  • Shelley 0.5%
  • Bingham 0.5%
  • Idaho 0.49%

What Idaho publishes Homeowner’s exemption (Idaho State Tax Commission)

Exemptions and deadlines in Idaho

Flood risk in Bingham County

FEMA does not publish these numbers by city: they are for all of Bingham County.

FEMA’s maps count no homes in the high-risk zone in Bingham County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Shelley

Typical rent in Shelley is $1,265 a month: 45% above the county. In Shelley, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Bingham County, by unit size. To pay the 2-bedroom one ($1,017 a month) without spending more than 30% of your income, you would need to earn $19.56 an hour working full time.

HUD fair market rent for all of Bingham County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $772 $14.85 $30,880
1 bedroom $777 $14.94 $31,080
2 bedrooms $1,017 $19.56 $40,680
3 bedrooms $1,408 $27.08 $56,320
4 bedrooms $1,700 $32.69 $68,000

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Shelley

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Shelley is in ZIP code 83274.

For 2 bedrooms it is $1,250: $233 more than the fair market rent for Bingham County ($1,017).

  • 83274 $1,250$1,730

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Shelley when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Shelley

HUD lists 3 buildings with rents for lower incomes in Shelley. These are the largest.

  • Carnoustie 604 W Fir St, Shelley 83274 36 homes, 35 low-income · 2 bd: 28 · 3 bd: 8 · In service since 1998 · For families
  • Carnoustie II 604 W Fir St, Shelley 83274 31 low-income homes · 2 bd: 16 · 3 bd: 16 · In service since 2005 · For families
  • West Pine 343 W Pine St, Shelley 83274 18 homes, 17 low-income · 1 bd: 18 · In service since 1994 · For older adults

See all 8 buildings in Bingham County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Shelley

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Bingham County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Shelley

No down payment, repair or rent-help program on our list is for Shelley or Bingham County. The ones below are statewide in Idaho: they work in Shelley the same as in the rest of the state.

Which programs do I qualify for? All programs in Idaho

Housing counselors near Shelley

The HUD-approved agencies closest to the center of Shelley, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Idaho Housing and Finance Assocation--Idaho Falls Branch Office

    1235 Jones St, Idaho Falls · 11 miles away · Spanish

    • Mortgage delinquency and default
    • Homelessness services
    • and 4 more
    (866) 684-3756

  • Pocatello Neighborhood Housing Services, Inc DBA Neighborworks Pocatello

    206 N Arthur Ave, Pocatello · 39 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (208) 232-9468

  • Idaho Housing and Finance Association--Twin Falls Branch Office

    841 Meadows Dr, Twin Falls · 131 miles away · Spanish

    • Mortgage delinquency and default
    • Homelessness services
    • and 4 more
    (866) 234-3435

All counseling agencies in Idaho

Help in Spanish near Shelley

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Shelley

HUD lists no housing authority with an office in Bingham County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Idaho Source: HUD

Cities

Other cities in Bingham County

These cities are also in Bingham County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Bingham County Housing in Idaho

Nearby cities

The cities closest to Shelley, with the typical home value.

Neighboring counties

If Bingham County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Shelley.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Shelley

Short answers with the numbers for Shelley and all of Bingham County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Shelley?

The typical home value in Shelley is $295,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Bingham County it is $293,300.

How much does it cost to rent in Shelley?

Typical rent in Shelley is $1,265 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Bingham County is $1,017.

What is the FHA loan limit in Shelley?

Shelley uses the FHA limit for all of Bingham County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Shelley?

The typical homeowner in Shelley pays $1,470 a year, according to the U.S. Census Bureau. That is 0.5% of the home’s value; in Bingham County, the rate is 0.5%.

Where can I find free help to buy or rent in Shelley?

We found no HUD-approved counseling agencies with an office in Bingham County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).