Shelby County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Shelby County, Illinois? DLRadar grades every Shelby County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 15/100. Here is the 2026 Shelby County breakdown.
- Shelby County's most distressed ZIP is 61914 at 15/100.
- 22 ZIP codes tracked in Shelby County, averaging 12/100 distress.
- Shelby County reads expansion — home values up 5.3% year over year.
- Vacancy runs 9.5% across Shelby County's tracked ZIPs, with a 10.6% poverty rate.
- The typical Shelby County home is worth about $138,955 against a ~$68,934 median income.
- Lending headwind in Shelby County sits at 78/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 61914 | 15/100 |
| 2 | 61928 | 15/100 |
| 3 | 61957 | 13/100 |
| 4 | 62438 | 13/100 |
| 5 | 62444 | 13/100 |
| 6 | 62463 | 13/100 |
| 7 | 62465 | 13/100 |
| 8 | 62534 | 13/100 |
| 9 | 62553 | 13/100 |
| 10 | 62565 | 13/100 |
| 11 | 62571 | 13/100 |
| 12 | 62422 | 12/100 |
Most distressed ZIP codes in Shelby County (composite distress 0-100, 2026)
What is driving Shelby County distress
The Shelby County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 12/100 ZIP average. No proprietary or modelled inputs enter the score.
Shelby County market phase and pricing
DLRadar places Shelby County in expansion; prices moved up 5.3% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Shelby County
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Common questions
Which part of Shelby County, IL scores highest for distress?
ZIP 61914 leads Shelby County at 15/100, recomputed monthly from public records.
Is Shelby County expanding or contracting?
Shelby County reads expansion, with home prices up 5.3% year over year. Phase comes from FHFA House Price Index trajectory.
Which datasets feed the Shelby County scores?
The inputs are all public: FHFA for the expansion path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 22 ZIP codes in Shelby County run through the identical model used nationwide, the figures compare directly against any other market.
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 15/100 in 61914 down to 12/100 in 62422, against a Shelby County average of 12/100. The 3-point range is the argument for ZIP-level search across Shelby County.
What do Shelby County home values and vacancy say about distressed supply?
The typical Shelby County home carries about $138,955 of value against a median household income near $68,934. Vacancy across Shelby County's tracked ZIPs runs 9.5% and the poverty rate is 10.6%. 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 78/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.