Shelby County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Shelby County, Ohio? DLRadar grades every Shelby County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 18/100. Here is the 2026 Shelby County breakdown.
- Shelby County's most distressed ZIP is 45356 at 18/100.
- 18 ZIP codes tracked in Shelby County, averaging 16/100 distress.
- Shelby County reads peak — home values up 3.9% year over year.
- Vacancy runs 6.5% across Shelby County's tracked ZIPs, with a 8.3% poverty rate.
- The typical Shelby County home is worth about $230,567 against a ~$73,776 median income.
- Lending headwind in Shelby County sits at 64/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 45356 | 18/100 |
| 2 | 45302 | 17/100 |
| 3 | 45306 | 17/100 |
| 4 | 45333 | 17/100 |
| 5 | 45334 | 17/100 |
| 6 | 45336 | 17/100 |
| 7 | 45340 | 17/100 |
| 8 | 45353 | 17/100 |
| 9 | 45360 | 17/100 |
| 10 | 45363 | 17/100 |
| 11 | 45365 | 17/100 |
| 12 | 45845 | 17/100 |
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 16/100 ZIP average. No proprietary or modelled inputs enter the score.
Shelby County market phase and pricing
DLRadar places Shelby County in peak; prices moved up 3.9% 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 Shelby County ZIP scores worst for distress?
ZIP 45356 leads Shelby County at 18/100, recomputed monthly from public records.
What stage of the price cycle is Shelby County at?
Phase for Shelby County: peak, tracking a 3.9% gain year over year, read off the FHFA index.
What is this Shelby County analysis built from?
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 18 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 18/100 in 45356 down to 17/100 in 45845, against a Shelby County average of 16/100. A spread of 1 points means Shelby County has to be worked ZIP by ZIP.
What do Shelby County home values and vacancy say about distressed supply?
The typical Shelby County home carries about $230,567 of value against a median household income near $73,776. Vacancy across Shelby County's tracked ZIPs runs 6.5% and the poverty rate is 8.3%. 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 64/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.