Shelby County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Shelby County, Alabama? DLRadar grades every Shelby County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Shelby County breakdown.
- Shelby County's most distressed ZIP is 35128 at 30/100.
- 23 ZIP codes tracked in Shelby County, averaging 29/100 distress.
- Shelby County reads peak — home values up 2.7% year over year.
- Vacancy runs 8.4% across Shelby County's tracked ZIPs, with a 9.5% poverty rate.
- The typical Shelby County home is worth about $289,148 against a ~$92,588 median income.
- Lending headwind in Shelby County sits at 43/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 35128 | 30/100 |
| 2 | 35007 | 29/100 |
| 3 | 35022 | 29/100 |
| 4 | 35043 | 29/100 |
| 5 | 35051 | 29/100 |
| 6 | 35078 | 29/100 |
| 7 | 35080 | 29/100 |
| 8 | 35114 | 29/100 |
| 9 | 35124 | 29/100 |
| 10 | 35143 | 29/100 |
| 11 | 35147 | 29/100 |
| 12 | 35176 | 29/100 |
Most distressed ZIP codes in Shelby County (composite distress 0-100, 2026)
What is driving Shelby County distress
Shelby County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 29/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Shelby County market phase and pricing
The cycle in Shelby County is peak, with values up 2.7% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Shelby County
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What people ask
What is the hardest-hit ZIP in Shelby County?
ZIP 35128 leads Shelby County at 30/100, recomputed monthly from public records.
Where is Shelby County in the housing cycle?
The market phase for Shelby County is peak, prices rising 2.7% on the year — derived from the FHFA House Price Index path.
What is this Shelby County analysis built from?
Each Shelby County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 23 local ZIPs and every other county in the country.
How much do distress scores vary between Shelby County ZIP codes?
One county number flattens a wide range. Across the Shelby County ZIPs DLRadar ranks, scores run from 30/100 in 35128 down to 29/100 in 35176, against a Shelby County average of 29/100. Those 1 points separate the ZIPs worth working in Shelby County from the rest.
What do Shelby County home values and vacancy say about distressed supply?
The typical Shelby County home carries about $289,148 of value against a median household income near $92,588. Vacancy across Shelby County's tracked ZIPs runs 8.4% and the poverty rate is 9.5%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Shelby County's foreclosure and tax-lien filings and its 43/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.