Shelby County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Shelby County, Kentucky? 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 40245 at 32/100.
- 14 ZIP codes tracked in Shelby County, averaging 22/100 distress.
- Shelby County reads peak — home values up 3.8% year over year.
- Vacancy runs 6.8% across Shelby County's tracked ZIPs, with a 9.6% poverty rate.
- The typical Shelby County home is worth about $323,493 against a ~$86,119 median income.
- Lending headwind in Shelby County sits at 32/100 — 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 | 40245 | 32/100 |
| 2 | 40023 | 31/100 |
| 3 | 40601 | 25/100 |
| 4 | 40068 | 22/100 |
| 5 | 40071 | 22/100 |
| 6 | 40019 | 20/100 |
| 7 | 40046 | 20/100 |
| 8 | 40057 | 20/100 |
| 9 | 40342 | 20/100 |
| 10 | 40003 | 19/100 |
| 11 | 40022 | 19/100 |
| 12 | 40065 | 19/100 |
Most distressed ZIP codes in Shelby County (composite distress 0-100, 2026)
What is driving Shelby County distress
Nothing here is estimated: Shelby County is scored from filings alone, and its ZIPs average 22/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Shelby County market phase and pricing
DLRadar places Shelby County in peak; prices moved up 3.8% 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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Frequently asked
Which ZIP code leads Shelby County on distress?
ZIP 40245 leads Shelby County at 32/100, recomputed monthly from public records.
Which phase does Shelby County sit in right now?
FHFA price-index movement places Shelby County in peak; prices are up 3.8% over twelve months.
What is this Shelby County analysis built from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 14 Shelby County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Shelby County ZIP codes?
A single county score papers over real variation. Across the Shelby County ZIPs DLRadar ranks, scores run from 32/100 in 40245 down to 19/100 in 40065, against a Shelby County average of 22/100. Because the gap runs to 13 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 $323,493 of value against a median household income near $86,119. Vacancy across Shelby County's tracked ZIPs runs 6.8% and the poverty rate is 9.6%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Shelby County's foreclosure and tax-lien record and its 32/100 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.