Shelby County, MO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Shelby County, MO distress report, 2026: 9 ZIPs scored in Shelby, MO, Shelby, MO average 11/100; the top Shelby, MO ZIP is 63434 at 15/100; Shelby, MO market phase peak, Shelby, MO prices +4.4% year over year.
- Shelby, MO ranks #1,960 nationally (opportunity index); Shelby, MO #69 in Missouri; Shelby, MO index 27.8.
- Shelby, MO: no CFPB county sample; Shelby, MO non-metro area reading 0.9%.
- Shelby, MO ZIP phases: 9 peak.
- Shelby, MO residential listings tracked: 0 across 7 ZIPs; Shelby, MO candidate listings 0.
- Shelby, MO HUD assisted properties: 1 with 30 units.
- Shelby, MO lenders on watch: 5; largest Shelby, MO footprint Community State Bank (2 branches).
- Shelby, MO most distressed ZIP: 63434 at 15/100.
Shelby, MO figures: DLRadar distress index; Shelby, MO inputs: CFPB, FHFA, HUD, FDIC; Shelby, MO rebuilt as sources refresh.
| Rank | Shelby, MO ZIP | Score |
|---|---|---|
| 1 | 63434 | 15/100 |
| 2 | 63451 | 14/100 |
| 3 | 63469 | 14/100 |
| 4 | 63437 | 13/100 |
| 5 | 63439 | 10/100 |
| 6 | 63440 | 10/100 |
| 7 | 63443 | 9/100 |
| 8 | 63450 | 9/100 |
| 9 | 63468 | 9/100 |
Most distressed Shelby, MO ZIPs (0-100, 2026)
Mortgage delinquency around Shelby, MO
No CFPB county sample covers Shelby, MO; the non-metro area reading for Shelby, MO: 0.9% ninety-plus; Shelby, MO area thirty-to-eighty-nine 2.4% (December 2025, Shelby, MO); Missouri overall 0.9%.
Opportunity index: Shelby, MO
Shelby, MO index 27.8, Shelby, MO phase weak; Shelby, MO primary driver vacancy, Shelby, MO second driver bank institutional. Shelby, MO components: property stress 22.0, foreclosure pressure 22.4, listing discounts 10.0, bank stress 52.8, insurance 0.0; Shelby, MO pulse 34.4; Shelby, MO capital opportunity 17.8; Shelby, MO seven-day change +0.3%.
ZIP market phases inside Shelby, MO
9 Shelby, MO ZIPs carry a price-cycle phase; Shelby, MO ZIPs by phase (Shelby, MO), deepest drawdown first: peak, +4.4% YoY (Shelby, MO): 63434, 63437, 63450, 63451, Shelby, MO 63468, 63469; peak, +4.1% YoY (Shelby, MO): 63439; peak, +3.3% YoY (Shelby, MO): 63440; peak, +4.2% YoY (Shelby, MO): 63443.
Residential listings by Shelby, MO ZIP
Shelby, MO ZIPs with the most tracked Shelby, MO residential listings: 63434 0 listings, 0 candidates, bank pressure 61; 63437 0 listings, 0 candidates, bank pressure 58; 63439 0 listings, 0 candidates, bank pressure 58; 63450 0 listings, 0 candidates, bank pressure 59 (Shelby, MO); 63451 0 listings, 0 candidates, bank pressure 56; 63468 0 listings, 0 candidates, bank pressure 59; 63469 0 listings, 0 candidates, bank pressure 56. Shelby, MO totals: 0 listings; Shelby, MO candidates 0; active ZIPs 0.
HUD assisted housing in Shelby, MO
1 assisted properties with 30 units sit in Shelby, MO; largest Shelby, MO properties: Shelbina Apartments (Shelbina) 30 units, 30 assisted.
Lenders with branches in Shelby, MO
Shelby, MO lenders by branch count: Community State Bank (Shelby, MO): stress 49, 2 branches low in Shelby, MO; Neighbors Bank (Shelby, MO): stress 90, 1 branch low in Shelby, MO; Tpnb Bank (Shelby, MO): stress 59, 1 branch low in Shelby, MO; United State Bank (Shelby, MO): stress 54, 1 branch low in Shelby, MO; Exchange Bank Co (Shelby, MO): stress 52, 1 branch low in Shelby, MO.
Vacancy and permits, Shelby, MO
559 of 2,950 Shelby, MO housing units are vacant; Shelby, MO permits, twelve months: 0 multifamily units in Shelby, MO, 4 one-to-four unit units.
Work Shelby, MO at the parcel level
Every Shelby, MO parcel carries owner and address; every Shelby, MO parcel carries APN; Shelby, MO distress scores sit on the Shelby, MO live board.
Shelby, MO figures refresh with each source.
Shelby, MO questions
Most distressed ZIP code in Shelby County, MO?
ZIP 63434 leads Shelby, MO at 15/100; next in Shelby, MO: 63451 at 14/100; the Shelby, MO average is 11/100.
Where does Shelby County, MO rank for investment opportunity?
Shelby, MO is #1,960 among all ranked counties, #69 in Missouri; the Shelby, MO driver is vacancy; Shelby, MO moved down 717 places.
How many mortgages are delinquent in Shelby County, MO?
Shelby, MO takes the non-metro area reading of 0.9% for December 2025; no CFPB county sample covers Shelby, MO.
Which banks lend in Shelby County, MO?
5 watched lenders hold Shelby, MO branches; the largest Shelby, MO footprints are Community State Bank (2), Neighbors Bank (1), Tpnb Bank (1).
More on Shelby, MO
Shelby County, MO distress report: public-record figures for Shelby, MO; not legal advice for Shelby, MO; not tax or investment advice; verify every Shelby, MO record before acting.