Shelby County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Shelby County, IN distress report, 2026: 17 ZIPs scored in Shelby, IN, Shelby, IN average 27/100; the top Shelby, IN ZIP is 46259 at 32/100; Shelby, IN market phase peak, Shelby, IN prices +3.1% year over year.
- Shelby, IN ranks #1,538 nationally (opportunity index); Shelby, IN #46 in Indiana; Shelby, IN index 29.3.
- Shelby, IN: no CFPB county sample; Shelby, IN metro area reading 0.9%.
- Shelby, IN ZIP phases: 17 peak.
- Shelby, IN residential listings tracked: 20 across 9 ZIPs; Shelby, IN candidate listings 10.
- Shelby, IN HUD assisted properties: 4 with 386 units.
- Shelby, IN lenders on watch: 3; largest Shelby, IN footprint First Bank Richmond (1 branch).
- Shelby, IN most distressed ZIP: 46259 at 32/100.
Shelby, IN figures: DLRadar distress index; Shelby, IN inputs: CFPB, FHFA, HUD, FDIC; Shelby, IN rebuilt as sources refresh.
| Rank | Shelby, IN ZIP | Score |
|---|---|---|
| 1 | 46259 | 32/100 |
| 2 | 46124 | 28/100 |
| 3 | 46110 | 27/100 |
| 4 | 46126 | 27/100 |
| 5 | 46144 | 27/100 |
| 6 | 46176 | 27/100 |
| 7 | 46182 | 27/100 |
| 8 | 47234 | 27/100 |
| 9 | 46130 | 26/100 |
| 10 | 46140 | 26/100 |
| 11 | 46161 | 26/100 |
| 12 | 46162 | 26/100 |
Most distressed Shelby, IN ZIPs (0-100, 2026)
Mortgage delinquency around Shelby, IN
No CFPB county sample covers Shelby, IN; the metro area reading for Shelby, IN (Indianapolis-Carmel-Greenwood, IN): 0.9% ninety-plus; Shelby, IN area thirty-to-eighty-nine 2.3% (December 2025, Shelby, IN); Indiana overall 1.0%.
Opportunity index: Shelby, IN
Shelby, IN index 29.3, Shelby, IN phase early_signal; Shelby, IN primary driver construction, Shelby, IN second driver bank institutional. Shelby, IN components: property stress 14.7, foreclosure pressure 12.3, listing discounts 34.2, bank stress 51.1, insurance 0.0; Shelby, IN pulse 31.2; Shelby, IN capital opportunity 26.4; Shelby, IN seven-day change +0.7%.
ZIP market phases inside Shelby, IN
17 Shelby, IN ZIPs carry a price-cycle phase; Shelby, IN ZIPs by phase (Shelby, IN), deepest drawdown first: peak, +3.1% YoY (Shelby, IN): 46110, 46126, 46130, 46131, Shelby, IN 46140, 46144, 46162, 46163, Shelby, IN 46176, 46259; peak, +3.5% YoY (Shelby, IN): 46124, 46182; peak, +4.9% YoY (Shelby, IN): 46150; peak, +3.2% YoY (Shelby, IN): 46161, 47234; peak, +4.3% YoY (Shelby, IN): 47240.
Residential listings by Shelby, IN ZIP
Shelby, IN ZIPs with the most tracked Shelby, IN residential listings: 46176 13 listings, 7 candidates, bank pressure 64; 46126 4 listings, 2 candidates, bank pressure 64; 46124 3 listings, 1 candidates, bank pressure 63; 46110 0 listings, 0 candidates, bank pressure 64 (Shelby, IN); 46130 0 listings, 0 candidates, bank pressure 64; 46144 0 listings, 0 candidates, bank pressure 64; 46161 0 listings, 0 candidates, bank pressure 65; 46182 0 listings, 0 candidates, bank pressure 66. Shelby, IN totals: 20 listings; Shelby, IN candidates 10; active ZIPs 3.
HUD assisted housing in Shelby, IN
4 assisted properties with 386 units sit in Shelby, IN; largest Shelby, IN properties: Water Dance Apartments (Shelbyville) 166 units; Cimarron Place Apartments (Shelbyville) 128 units; Charles Major Manor (Shelbyville) 50 units, 50 assisted in Shelby, IN; North Harrison Senior Apartments (Shelbyville) 42 units.
Lenders with branches in Shelby, IN
Shelby, IN lenders by branch count: First Bank Richmond (Shelby, IN): stress 80, 1 branch low in Shelby, IN; First Fs&La Of Greensburg (Shelby, IN): stress 77, 1 branch low in Shelby, IN; First Merchants Bank (Shelby, IN): stress 65, 1 branch low in Shelby, IN.
Vacancy and permits, Shelby, IN
1,224 of 19,674 Shelby, IN housing units are vacant; Shelby, IN permits, twelve months: 0 multifamily units in Shelby, IN, 214 one-to-four unit units.
Work Shelby, IN at the parcel level
Every Shelby, IN parcel carries owner and address; every Shelby, IN parcel carries APN; Shelby, IN distress scores sit on the Shelby, IN live board.
Shelby, IN figures refresh with each source.
Shelby, IN questions
Most distressed ZIP code in Shelby County, IN?
ZIP 46259 leads Shelby, IN at 32/100; next in Shelby, IN: 46124 at 28/100; the Shelby, IN average is 27/100.
Where does Shelby County, IN rank for investment opportunity?
Shelby, IN is #1,538 among all ranked counties, #46 in Indiana; the Shelby, IN driver is construction; Shelby, IN moved up 556 places.
How many mortgages are delinquent in Shelby County, IN?
Shelby, IN takes the metro area reading of 0.9% for December 2025; no CFPB county sample covers Shelby, IN.
Which banks lend in Shelby County, IN?
3 watched lenders hold Shelby, IN branches; the largest Shelby, IN footprints are First Bank Richmond (1), First Fs&La Of Greensburg (1), First Merchants Bank (1).
More on Shelby, IN
Shelby County, IN distress report: public-record figures for Shelby, IN; not legal advice for Shelby, IN; not tax or investment advice; verify every Shelby, IN record before acting.