Renters insurance and housing data for Shelby County, KY

Name: HomeCover HQ Rates Index: Shelby County, KY
Creator: HomeCover HQ
Published: 2026-08-17
License: https://homecoverhq.com/terms

The Census counts 4,632 renter households in Shelby County.

The figures below are that county's own ACS records; state premium averages sit one level up.

renter households: 4,632
median gross rent, monthly: $998
median home value: $277,500

How this compares to Kentucky

Shelby County4,632
Kentucky568,417

Table view

Row	Value
Shelby County	4,632
Kentucky	568,417

How this compares to Kentucky

Kentucky overall: 568,417 renter households across the state, average renters premium $159.

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Sources, citation and related pages

Cite or embed this figure

Cite as: "HomeCover HQ Rates Index: Shelby County, KY", updated 2026-08-17, https://homecoverhq.com/rates/kentucky/shelby-county-ky/.

Source: NAIC Homeowners Report average premiums (2022 data year) and US Census ACS 5-year (2023) county housing records, computed 2026-08-17.

content.naic.org NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance Report (2022 data) (NAIC public report)

www2.census.gov US Census Bureau ACS 5-year (2023) tables B25003/B25064/B25077 (US Government public domain)
www2.census.gov Census 2023 Gazetteer, counties (US Government public domain)

Methodology: State average premiums by policy form (HO-3 owner-occupied, HO-4 tenant/renters, HO-6 condo, plus HO-2/HO-5 where published) are the NAIC Dwelling Fire/Homeowners report's 2022 data year, transcribed per state and cross-checked against the countrywide row; the NAIC does not publish county premiums, so county rows carry Census ACS 5-year (2023) records instead: total households, renter-occupied households, median gross rent and median home value per county FIPS. County names and centroids come from the Census 2023 Gazetteer. Puerto Rico and territory counties are excluded (no NAIC premium row). Figures describe published filings and Census records, never quotes: your premium depends on carrier, coverage and property.

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