Shelby County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Shelby County, AL distress report, 2026: 23 ZIPs scored in Shelby, AL, Shelby, AL average 29/100; the top Shelby, AL ZIP is 35007 at 30/100; Shelby, AL market phase peak, Shelby, AL prices +2.7% year over year.
- Shelby, AL ranks #1,746 nationally (opportunity index); Shelby, AL #59 in Alabama; Shelby, AL index 28.6.
- Shelby, AL ninety-day mortgage delinquency 0.4% in December 2025; Shelby, AL twelve-month change -0.1%.
- Shelby, AL ZIP phases: 23 peak.
- Shelby, AL residential listings tracked: 147 across 17 ZIPs; Shelby, AL candidate listings 30.
- Shelby, AL HUD assisted properties: 1 with 53 units.
- Shelby, AL lenders on watch: 8; largest Shelby, AL footprint Regions Bank (11 branches).
- Shelby, AL most distressed ZIP: 35007 at 30/100.
Shelby, AL figures: DLRadar distress index; Shelby, AL inputs: CFPB, FHFA, HUD, FDIC; Shelby, AL rebuilt as sources refresh.
| Rank | Shelby, AL ZIP | Score |
|---|---|---|
| 1 | 35007 | 30/100 |
| 2 | 35043 | 30/100 |
| 3 | 35051 | 30/100 |
| 4 | 35078 | 30/100 |
| 5 | 35114 | 30/100 |
| 6 | 35124 | 30/100 |
| 7 | 35128 | 30/100 |
| 8 | 35143 | 30/100 |
| 9 | 35147 | 30/100 |
| 10 | 35176 | 30/100 |
| 11 | 35185 | 30/100 |
| 12 | 35186 | 30/100 |
Most distressed Shelby, AL ZIPs (0-100, 2026)
Mortgage delinquency in Shelby, AL
0.4% of Shelby, AL mortgages were ninety-plus days late (Shelby, AL, December 2025); Shelby, AL thirty-to-eighty-nine days late: 2.4%; Shelby, AL twelve-month change -0.1%; Shelby, AL peak since 2008: 3.9% (January 2010); Alabama overall 1.1%. Shelby, AL ninety-day series: Dec 24 0.5, Jan 25 0.5, Feb 25 0.5 (Shelby, AL), Mar 25 0.6, Apr 25 0.4, May 25 0.7 (Shelby, AL), Jun 25 0.6, Jul 25 0.6, Aug 25 0.8 (Shelby, AL), Sep 25 0.8, Oct 25 0.8, Nov 25 0.5 (Shelby, AL), Dec 25 0.4.
Opportunity index: Shelby, AL
Shelby, AL index 28.6, Shelby, AL phase early_signal; Shelby, AL primary driver bank institutional, Shelby, AL second driver listings discount. Shelby, AL components: property stress 15.1, foreclosure pressure 13.1, listing discounts 42.6, bank stress 58.3, insurance 0.0; Shelby, AL pulse 28.7; Shelby, AL capital opportunity 28.5.
ZIP market phases inside Shelby, AL
23 Shelby, AL ZIPs carry a price-cycle phase; Shelby, AL ZIPs by phase (Shelby, AL), deepest drawdown first: peak, +2.7% YoY (Shelby, AL): 35007, 35022, 35035, 35040, Shelby, AL 35043, 35051, 35078, 35080, Shelby, AL 35094, 35114, 35115, 35124, Shelby, AL 35128, 35143, 35147, 35176.
Residential listings by Shelby, AL ZIP
Shelby, AL ZIPs with the most tracked Shelby, AL residential listings: 35242 41 listings, 8 candidates, bank pressure 64; 35244 38 listings, 7 candidates, bank pressure 64; 35007 13 listings, 2 candidates, bank pressure 64; 35040 9 listings, 0 candidates, bank pressure 64 (Shelby, AL); 35043 9 listings, 0 candidates, bank pressure 64; 35124 8 listings, 3 candidates, bank pressure 64; 35115 7 listings, 3 candidates, bank pressure 65; 35051 6 listings, 2 candidates, bank pressure 64. Shelby, AL totals: 147 listings; Shelby, AL candidates 30; active ZIPs 13.
HUD assisted housing in Shelby, AL
1 assisted properties with 53 units sit in Shelby, AL; largest Shelby, AL properties: Shelby Woods Apartments (Columbiana) 53 units, 53 assisted.
Lenders with branches in Shelby, AL
Shelby, AL lenders by branch count: Regions Bank (Shelby, AL): stress 57, 11 branches low in Shelby, AL; Central State Bank (Shelby, AL): stress 56, 6 branches low in Shelby, AL; First Us Bank (Shelby, AL): stress 77, 2 branches low in Shelby, AL; Bryant Bank (Shelby, AL): stress 61, 2 branches low in Shelby, AL; Southpoint Bank (Shelby, AL): stress 97, 1 branch low in Shelby, AL; Cb&S Bank Inc (Shelby, AL): stress 87, 1 branch low in Shelby, AL; Millennial Bank (Shelby, AL): stress 83, 1 branch low in Shelby, AL; First Financial Bank (Shelby, AL): stress 80, 1 branch low in Shelby, AL.
Vacancy and permits, Shelby, AL
5,129 of 91,995 Shelby, AL housing units are vacant; Shelby, AL permits, twelve months: 300 multifamily units in Shelby, AL, 1,028 one-to-four unit units.
Work Shelby, AL at the parcel level
Every Shelby, AL parcel carries owner and address; every Shelby, AL parcel carries APN; Shelby, AL distress scores sit on the Shelby, AL live board.
Shelby, AL figures refresh with each source.
Shelby, AL questions
Most distressed ZIP code in Shelby County, AL?
ZIP 35007 leads Shelby, AL at 30/100; next in Shelby, AL: 35043 at 30/100; the Shelby, AL average is 29/100.
Where does Shelby County, AL rank for investment opportunity?
Shelby, AL is #1,746 among all ranked counties, #59 in Alabama; the Shelby, AL driver is bank institutional; Shelby, AL moved up 849 places.
How many mortgages are delinquent in Shelby County, AL?
0.4% of Shelby, AL mortgages were ninety-plus days late in December 2025; the Shelby, AL peak since 2008 was 3.9%.
Which banks lend in Shelby County, AL?
8 watched lenders hold Shelby, AL branches; the largest Shelby, AL footprints are Regions Bank (11), Central State Bank (6), First Us Bank (2).
More on Shelby, AL
Shelby County, AL distress report: public-record figures for Shelby, AL; not legal advice for Shelby, AL; not tax or investment advice; verify every Shelby, AL record before acting.