Shelby County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Shelby County, IL distress report, 2026: 22 ZIPs scored in Shelby, IL, Shelby, IL average 12/100; the top Shelby, IL ZIP is 61914 at 16/100; Shelby, IL market phase expansion, Shelby, IL prices +5.3% year over year.
- Shelby, IL ranks #2,955 nationally (opportunity index); Shelby, IL #94 in Illinois; Shelby, IL index 23.5.
- Shelby, IL: no CFPB county sample; Shelby, IL non-metro area reading 1.4%.
- Shelby, IL ZIP phases: 22 expansion.
- Shelby, IL residential listings tracked: 5 across 13 ZIPs; Shelby, IL candidate listings 3.
- Shelby, IL lenders on watch: 7; largest Shelby, IL footprint Shelby County State Bank (6 branches).
- Shelby, IL most distressed ZIP: 61914 at 16/100.
Shelby, IL figures: DLRadar distress index; Shelby, IL inputs: CFPB, FHFA, HUD, FDIC; Shelby, IL rebuilt as sources refresh.
| Rank | Shelby, IL ZIP | Score |
|---|---|---|
| 1 | 61914 | 16/100 |
| 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 Shelby, IL ZIPs (0-100, 2026)
Mortgage delinquency around Shelby, IL
No CFPB county sample covers Shelby, IL; the non-metro area reading for Shelby, IL: 1.4% ninety-plus; Shelby, IL area thirty-to-eighty-nine 2.8% (December 2025, Shelby, IL); Illinois overall 1.1%.
Opportunity index: Shelby, IL
Shelby, IL index 23.5, Shelby, IL phase weak; Shelby, IL primary driver bank institutional, Shelby, IL second driver vacancy. Shelby, IL components: property stress 12.7, foreclosure pressure 11.7, listing discounts 9.1, bank stress 63.6, insurance 0.0; Shelby, IL pulse 30.1; Shelby, IL capital opportunity 13.5.
ZIP market phases inside Shelby, IL
22 Shelby, IL ZIPs carry a price-cycle phase; Shelby, IL ZIPs by phase (Shelby, IL), deepest drawdown first: expansion, +5.2% YoY (Shelby, IL): 61914; expansion, +5.3% YoY (Shelby, IL): 61928, 61957, 62080, 62422, Shelby, IL 62431, 62438, 62444, 62463, Shelby, IL 62465; expansion, +5.6% YoY (Shelby, IL): 62401, 62461; expansion, +5.4% YoY (Shelby, IL): 62414; expansion, +5.5% YoY (Shelby, IL): 62447, 62462, 62510.
Residential listings by Shelby, IL ZIP
Shelby, IL ZIPs with the most tracked Shelby, IL residential listings: 62571 2 listings, 2 candidates, bank pressure 65; 61957 1 listings, 1 candidates, bank pressure 65; 62431 1 listings, 0 candidates, bank pressure 67; 62565 1 listings, 0 candidates, bank pressure 65 (Shelby, IL); 62422 0 listings, 0 candidates, bank pressure 67; 62438 0 listings, 0 candidates, bank pressure 65; 62444 0 listings, 0 candidates, bank pressure 65; 62462 0 listings, 0 candidates, bank pressure 61. Shelby, IL totals: 5 listings; Shelby, IL candidates 3; active ZIPs 4.
Lenders with branches in Shelby, IL
Shelby, IL lenders by branch count: Shelby County State Bank (Shelby, IL): stress 62, 6 branches low in Shelby, IL; First Fs&La Of Cntl Il S B (Shelby, IL): stress 68, 2 branches low in Shelby, IL; Dewitt Savings Bank (Shelby, IL): stress 81, 1 branch low in Shelby, IL; First Nb Of Waterloo (Shelby, IL): stress 72, 1 branch low in Shelby, IL; First Nb Of Nokomis (Shelby, IL): stress 62, 1 branch low in Shelby, IL; Peoples Bank&Trust (Shelby, IL): stress 45, 1 branch low in Shelby, IL; Teutopolis State Bank (Shelby, IL): stress 43, 1 branch low in Shelby, IL.
Vacancy and permits, Shelby, IL
1,142 of 10,060 Shelby, IL housing units are vacant; Shelby, IL permits, twelve months: 4 multifamily units in Shelby, IL, 44 one-to-four unit units.
Work Shelby, IL at the parcel level
Every Shelby, IL parcel carries owner and address; every Shelby, IL parcel carries APN; Shelby, IL distress scores sit on the Shelby, IL live board.
Shelby, IL figures refresh with each source.
Shelby, IL questions
Most distressed ZIP code in Shelby County, IL?
ZIP 61914 leads Shelby, IL at 16/100; next in Shelby, IL: 61928 at 15/100; the Shelby, IL average is 12/100.
Where does Shelby County, IL rank for investment opportunity?
Shelby, IL is #2,955 among all ranked counties, #94 in Illinois; the Shelby, IL driver is bank institutional; Shelby, IL moved down 660 places.
How many mortgages are delinquent in Shelby County, IL?
Shelby, IL takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Shelby, IL.
Which banks lend in Shelby County, IL?
7 watched lenders hold Shelby, IL branches; the largest Shelby, IL footprints are Shelby County State Bank (6), First Fs&La Of Cntl Il S B (2), Dewitt Savings Bank (1).
More on Shelby, IL
Shelby County, IL distress report: public-record figures for Shelby, IL; not legal advice for Shelby, IL; not tax or investment advice; verify every Shelby, IL record before acting.