Shelby County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Shelby County, Indiana? DLRadar grades every Shelby County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 32/100. Here is the 2026 Shelby County breakdown.
- Shelby County's most distressed ZIP is 46259 at 32/100.
- 17 ZIP codes tracked in Shelby County, averaging 26/100 distress.
- Shelby County reads peak — home values up 3.1% year over year.
- Vacancy runs 6.1% across Shelby County's tracked ZIPs, with a 7% poverty rate.
- The typical Shelby County home is worth about $249,712 against a ~$84,489 median income.
- Lending headwind in Shelby County sits at 51/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 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 | 47234 | 27/100 |
| 8 | 46130 | 26/100 |
| 9 | 46161 | 26/100 |
| 10 | 46162 | 26/100 |
| 11 | 46182 | 26/100 |
| 12 | 47272 | 26/100 |
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 26/100 ZIP average. No proprietary or modelled inputs enter the score.
Shelby County market phase and pricing
Shelby County reads peak — home prices rose 3.1% 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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Common questions
Which Shelby County ZIP scores worst for distress?
ZIP 46259 leads Shelby County at 32/100, recomputed monthly from public records.
Is Shelby County expanding or contracting?
Shelby County reads peak, with home prices up 3.1% year over year. Phase comes from FHFA House Price Index trajectory.
How is the Shelby County data sourced?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 17 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 32/100 in 46259 down to 26/100 in 47272, against a Shelby County average of 26/100. Because the gap runs to 6 points, Shelby County rewards ZIP-level precision.
What do Shelby County home values and vacancy say about distressed supply?
The typical Shelby County home carries about $249,712 of value against a median household income near $84,489. Vacancy across Shelby County's tracked ZIPs runs 6.1% and the poverty rate is 7%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Shelby County's foreclosure and tax-lien filings and its 51/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.