Shelby County, IA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Shelby County, IA distress report, 2026: 19 ZIPs scored in Shelby, IA, Shelby, IA average 15/100; the top Shelby, IA ZIP is 51521 at 25/100; Shelby, IA market phase peak, Shelby, IA prices +2.5% year over year.
- Shelby, IA ranks #1,974 nationally (opportunity index); Shelby, IA #44 in Iowa; Shelby, IA index 27.8.
- Shelby, IA: no CFPB county sample; Shelby, IA non-metro area reading 0.7%.
- Shelby, IA ZIP phases: 18 peak, 1 neutral.
- Shelby, IA residential listings tracked: 3 across 10 ZIPs; Shelby, IA candidate listings 0.
- Shelby, IA lenders on watch: 5; largest Shelby, IA footprint Shelby County State Bank (5 branches).
- Shelby, IA most distressed ZIP: 51521 at 25/100.
Shelby, IA figures: DLRadar distress index; Shelby, IA inputs: CFPB, FHFA, HUD, FDIC; Shelby, IA rebuilt as sources refresh.
| Rank | Shelby, IA ZIP | Score |
|---|---|---|
| 1 | 51521 | 25/100 |
| 2 | 51577 | 25/100 |
| 3 | 51570 | 20/100 |
| 4 | 51563 | 19/100 |
| 5 | 51529 | 17/100 |
| 6 | 51455 | 15/100 |
| 7 | 50022 | 14/100 |
| 8 | 51552 | 14/100 |
| 9 | 51565 | 14/100 |
| 10 | 51454 | 13/100 |
| 11 | 51446 | 12/100 |
| 12 | 51447 | 12/100 |
Most distressed Shelby, IA ZIPs (0-100, 2026)
Mortgage delinquency around Shelby, IA
No CFPB county sample covers Shelby, IA; the non-metro area reading for Shelby, IA: 0.7% ninety-plus; Shelby, IA area thirty-to-eighty-nine 2.1% (December 2025, Shelby, IA); Iowa overall 0.9%.
Opportunity index: Shelby, IA
Shelby, IA index 27.8, Shelby, IA phase weak; Shelby, IA primary driver bank institutional, Shelby, IA second driver vacancy. Shelby, IA components: property stress 17.0, foreclosure pressure 17.1, listing discounts 27.1, bank stress 60.3, insurance 0.0; Shelby, IA pulse 31.5; Shelby, IA capital opportunity 22.2; Shelby, IA seven-day change +0.5%.
ZIP market phases inside Shelby, IA
19 Shelby, IA ZIPs carry a price-cycle phase; Shelby, IA ZIPs by phase (Shelby, IA), deepest drawdown first: peak, +2.5% YoY (Shelby, IA): 50022, 51446, 51447, 51454, Shelby, IA 51527, 51530, 51531, 51537, Shelby, IA 51543, 51552, 51562; peak, +2.6% YoY (Shelby, IA): 51455; peak, +3.4% YoY (Shelby, IA): 51521; peak, +3.0% YoY (Shelby, IA): 51529; neutral, +3.8% YoY (Shelby, IA): 51563; peak, +2.8% YoY (Shelby, IA): 51565.
Residential listings by Shelby, IA ZIP
Shelby, IA ZIPs with the most tracked Shelby, IA residential listings: 51537 3 listings, 0 candidates, bank pressure 64; 51446 0 listings, 0 candidates, bank pressure 64; 51447 0 listings, 0 candidates, bank pressure 64; 51527 0 listings, 0 candidates, bank pressure 66 (Shelby, IA); 51530 0 listings, 0 candidates, bank pressure 64; 51531 0 listings, 0 candidates, bank pressure 58; 51562 0 listings, 0 candidates, bank pressure 64; 51565 0 listings, 0 candidates, bank pressure 63. Shelby, IA totals: 3 listings; Shelby, IA candidates 0; active ZIPs 1.
Lenders with branches in Shelby, IA
Shelby, IA lenders by branch count: Shelby County State Bank (Shelby, IA): stress 58, 5 branches moderate in Shelby, IA; Farmers Trust&Savings Bank (Shelby, IA): stress 59, 2 branches low in Shelby, IA; Defiance State Bank (Shelby, IA): stress 77, 1 branch low in Shelby, IA; United Bank Of Iowa (Shelby, IA): stress 68, 1 branch low in Shelby, IA; Midstates Bank National Assn (Shelby, IA): stress 60, 1 branch low in Shelby, IA.
Vacancy and permits, Shelby, IA
559 of 5,441 Shelby, IA housing units are vacant; Shelby, IA permits, twelve months: 0 multifamily units in Shelby, IA, 5 one-to-four unit units.
Work Shelby, IA at the parcel level
Every Shelby, IA parcel carries owner and address; every Shelby, IA parcel carries APN; Shelby, IA distress scores sit on the Shelby, IA live board.
Shelby, IA figures refresh with each source.
Shelby, IA questions
Most distressed ZIP code in Shelby County, IA?
ZIP 51521 leads Shelby, IA at 25/100; next in Shelby, IA: 51577 at 25/100; the Shelby, IA average is 15/100.
Where does Shelby County, IA rank for investment opportunity?
Shelby, IA is #1,974 among all ranked counties, #44 in Iowa; the Shelby, IA driver is bank institutional; Shelby, IA moved up 16 places.
How many mortgages are delinquent in Shelby County, IA?
Shelby, IA takes the non-metro area reading of 0.7% for December 2025; no CFPB county sample covers Shelby, IA.
Which banks lend in Shelby County, IA?
5 watched lenders hold Shelby, IA branches; the largest Shelby, IA footprints are Shelby County State Bank (5), Farmers Trust&Savings Bank (2), Defiance State Bank (1).
More on Shelby, IA
Shelby County, IA distress report: public-record figures for Shelby, IA; not legal advice for Shelby, IA; not tax or investment advice; verify every Shelby, IA record before acting.