Shelby County, IA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Shelby County, Iowa? DLRadar grades every Shelby County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Shelby County breakdown.
- Shelby County's most distressed ZIP is 51563 at 24/100.
- 19 ZIP codes tracked in Shelby County, averaging 15/100 distress.
- Shelby County reads peak — home values up 2.5% year over year.
- Vacancy runs 9% across Shelby County's tracked ZIPs, with a 10.4% poverty rate.
- The typical Shelby County home is worth about $153,174 against a ~$66,984 median income.
- Lending headwind in Shelby County sits at 52/100 — 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 | 51563 | 24/100 |
| 2 | 51521 | 21/100 |
| 3 | 51529 | 21/100 |
| 4 | 51577 | 21/100 |
| 5 | 51565 | 17/100 |
| 6 | 51570 | 17/100 |
| 7 | 51455 | 16/100 |
| 8 | 50022 | 15/100 |
| 9 | 51454 | 15/100 |
| 10 | 51552 | 15/100 |
| 11 | 51527 | 13/100 |
| 12 | 51446 | 12/100 |
Most distressed ZIP codes in Shelby County (composite distress 0-100, 2026)
What is driving Shelby County distress
Shelby County's placement in the national index rests on public filings — a 15/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Shelby County market phase and pricing
Shelby County reads peak — home prices rose 2.5% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Shelby County
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Frequently asked
Which part of Shelby County, IA scores highest for distress?
ZIP 51563 leads Shelby County at 24/100, recomputed monthly from public records.
What stage of the price cycle is Shelby County at?
Shelby County is classified peak with a 2.5% year-over-year increase, following the FHFA House Price Index.
What is this Shelby County analysis built from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 19 Shelby County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Shelby County ZIP codes?
The county figure is a blend, not a description. Across the Shelby County ZIPs DLRadar ranks, scores run from 24/100 in 51563 down to 12/100 in 51446, against a Shelby County average of 15/100. With 12 points between best and worst, county-level targeting in Shelby County wastes effort.
What do Shelby County home values and vacancy say about distressed supply?
The typical Shelby County home carries about $153,174 of value against a median household income near $66,984. Vacancy across Shelby County's tracked ZIPs runs 9% and the poverty rate is 10.4%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Shelby County's filings and its 52/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.