Shelby County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Shelby County, KY distress report, 2026: 14 ZIPs scored in Shelby, KY, Shelby, KY average 23/100; the top Shelby, KY ZIP is 40245 at 34/100; Shelby, KY market phase peak, Shelby, KY prices +3.8% year over year.
- Shelby, KY ranks #2,818 nationally (opportunity index); Shelby, KY #119 in Kentucky; Shelby, KY index 24.3.
- Shelby, KY: no CFPB county sample; Shelby, KY metro area reading 1.1%.
- Shelby, KY ZIP phases: 14 peak.
- Shelby, KY residential listings tracked: 5 across 5 ZIPs; Shelby, KY candidate listings 2.
- Shelby, KY HUD assisted properties: 4 with 259 units.
- Shelby, KY lenders on watch: 4; largest Shelby, KY footprint Stock Yards Bank&Trust Co (4 branches).
- Shelby, KY most distressed ZIP: 40245 at 34/100.
Shelby, KY figures: DLRadar distress index; Shelby, KY inputs: CFPB, FHFA, HUD, FDIC; Shelby, KY rebuilt as sources refresh.
| Rank | Shelby, KY ZIP | Score |
|---|---|---|
| 1 | 40245 | 34/100 |
| 2 | 40023 | 33/100 |
| 3 | 40601 | 25/100 |
| 4 | 40071 | 23/100 |
| 5 | 40068 | 22/100 |
| 6 | 40342 | 22/100 |
| 7 | 40046 | 21/100 |
| 8 | 40003 | 20/100 |
| 9 | 40019 | 20/100 |
| 10 | 40057 | 20/100 |
| 11 | 40076 | 20/100 |
| 12 | 40022 | 19/100 |
Most distressed Shelby, KY ZIPs (0-100, 2026)
Mortgage delinquency around Shelby, KY
No CFPB county sample covers Shelby, KY; the metro area reading for Shelby, KY (Louisville/Jefferson County, KY-IN): 1.1% ninety-plus; Shelby, KY area thirty-to-eighty-nine 2.0% (December 2025, Shelby, KY); Kentucky overall 1.0%.
Opportunity index: Shelby, KY
Shelby, KY index 24.3, Shelby, KY phase weak; Shelby, KY primary driver bank institutional, Shelby, KY second driver construction. Shelby, KY components: property stress 14.0, foreclosure pressure 12.4, listing discounts 21.5, bank stress 51.5, insurance 0.0; Shelby, KY pulse 26.3; Shelby, KY capital opportunity 21.2; Shelby, KY seven-day change -0.3%.
ZIP market phases inside Shelby, KY
14 Shelby, KY ZIPs carry a price-cycle phase; Shelby, KY ZIPs by phase (Shelby, KY), deepest drawdown first: peak, +3.8% YoY (Shelby, KY): 40003, 40019, 40022, 40023, Shelby, KY 40057, 40065, 40067, 40068, Shelby, KY 40071, 40245; peak, +3.9% YoY (Shelby, KY): 40046, 40076; peak, +4.4% YoY (Shelby, KY): 40342; peak, +4.5% YoY (Shelby, KY): 40601.
Residential listings by Shelby, KY ZIP
Shelby, KY ZIPs with the most tracked Shelby, KY residential listings: 40065 2 listings, 0 candidates, bank pressure 55; 40003 1 listings, 1 candidates, bank pressure 59; 40067 1 listings, 0 candidates, bank pressure 56; 40076 1 listings, 1 candidates, bank pressure 57 (Shelby, KY); 40022 0 listings, 0 candidates, bank pressure 56. Shelby, KY totals: 5 listings; Shelby, KY candidates 2; active ZIPs 4.
HUD assisted housing in Shelby, KY
4 assisted properties with 259 units sit in Shelby, KY; largest Shelby, KY properties: Indian Ridge (Shelbyville) 97 units, 97 assisted; Sycamore Terrace (Shelbyville) 72 units, 71 assisted; Forest Hills Apartments (Shelbyville) 50 units in Shelby, KY; Lynne Acres Apartments (Shelbyville) 40 units, 40 assisted.
Lenders with branches in Shelby, KY
Shelby, KY lenders by branch count: Stock Yards Bank&Trust Co (Shelby, KY): stress 51, 4 branches low in Shelby, KY; Independence Bank Of Ky (Shelby, KY): stress 74, 1 branch low in Shelby, KY; Traditional Bank Inc (Shelby, KY): stress 71, 1 branch low in Shelby, KY; Republic Bank&Trust Co (Shelby, KY): stress 29, 1 branch low in Shelby, KY.
Vacancy and permits, Shelby, KY
1,047 of 19,531 Shelby, KY housing units are vacant; Shelby, KY permits, twelve months: 0 multifamily units in Shelby, KY, 273 one-to-four unit units.
Work Shelby, KY at the parcel level
Every Shelby, KY parcel carries owner and address; every Shelby, KY parcel carries APN; Shelby, KY distress scores sit on the Shelby, KY live board.
Shelby, KY figures refresh with each source.
Shelby, KY questions
Most distressed ZIP code in Shelby County, KY?
ZIP 40245 leads Shelby, KY at 34/100; next in Shelby, KY: 40023 at 33/100; the Shelby, KY average is 23/100.
Where does Shelby County, KY rank for investment opportunity?
Shelby, KY is #2,818 among all ranked counties, #119 in Kentucky; the Shelby, KY driver is bank institutional; Shelby, KY moved up 117 places.
How many mortgages are delinquent in Shelby County, KY?
Shelby, KY takes the metro area reading of 1.1% for December 2025; no CFPB county sample covers Shelby, KY.
Which banks lend in Shelby County, KY?
4 watched lenders hold Shelby, KY branches; the largest Shelby, KY footprints are Stock Yards Bank&Trust Co (4), Independence Bank Of Ky (1), Traditional Bank Inc (1).
More on Shelby, KY
Shelby County, KY distress report: public-record figures for Shelby, KY; not legal advice for Shelby, KY; not tax or investment advice; verify every Shelby, KY record before acting.