Shelby County, OH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Shelby County, OH distress report, 2026: 18 ZIPs scored in Shelby, OH, Shelby, OH average 17/100; the top Shelby, OH ZIP is 45356 at 20/100; Shelby, OH market phase peak, Shelby, OH prices +3.9% year over year.
- Shelby, OH ranks #2,429 nationally (opportunity index); Shelby, OH #41 in Ohio; Shelby, OH index 26.2.
- Shelby, OH: no CFPB county sample; Shelby, OH non-metro area reading 1.4%.
- Shelby, OH ZIP phases: 18 peak.
- Shelby, OH residential listings tracked: 12 across 11 ZIPs; Shelby, OH candidate listings 10.
- Shelby, OH lenders on watch: 8; largest Shelby, OH footprint U S Bank National Assn (4 branches).
- Shelby, OH most distressed ZIP: 45356 at 20/100.
Shelby, OH figures: DLRadar distress index; Shelby, OH inputs: CFPB, FHFA, HUD, FDIC; Shelby, OH rebuilt as sources refresh.
| Rank | Shelby, OH ZIP | Score |
|---|---|---|
| 1 | 45356 | 20/100 |
| 2 | 45302 | 18/100 |
| 3 | 45306 | 18/100 |
| 4 | 45333 | 18/100 |
| 5 | 45334 | 18/100 |
| 6 | 45336 | 18/100 |
| 7 | 45340 | 18/100 |
| 8 | 45353 | 18/100 |
| 9 | 45360 | 18/100 |
| 10 | 45363 | 18/100 |
| 11 | 45365 | 18/100 |
| 12 | 45845 | 18/100 |
Most distressed Shelby, OH ZIPs (0-100, 2026)
Mortgage delinquency around Shelby, OH
No CFPB county sample covers Shelby, OH; the non-metro area reading for Shelby, OH: 1.4% ninety-plus; Shelby, OH area thirty-to-eighty-nine 3.4% (December 2025, Shelby, OH); Ohio overall 1.0%.
Opportunity index: Shelby, OH
Shelby, OH index 26.2, Shelby, OH phase weak; Shelby, OH primary driver construction, Shelby, OH second driver bank institutional. Shelby, OH components: property stress 6.2, foreclosure pressure 4.1, listing discounts 28.1, bank stress 60.6, insurance 0.0; Shelby, OH pulse 30.1; Shelby, OH capital opportunity 20.4.
ZIP market phases inside Shelby, OH
18 Shelby, OH ZIPs carry a price-cycle phase; Shelby, OH ZIPs by phase (Shelby, OH), deepest drawdown first: peak, +3.9% YoY (Shelby, OH): 45302, 45306, 45333, 45334, Shelby, OH 45336, 45340, 45353, 45360, Shelby, OH 45363, 45365, 45380, 45388, Shelby, OH 45845, 45865; peak, +4.2% YoY (Shelby, OH): 45317; peak, +4.5% YoY (Shelby, OH): 45356.
Residential listings by Shelby, OH ZIP
Shelby, OH ZIPs with the most tracked Shelby, OH residential listings: 45365 8 listings, 6 candidates, bank pressure 62; 45333 2 listings, 2 candidates, bank pressure 67; 45334 2 listings, 2 candidates, bank pressure 66; 45302 0 listings, 0 candidates, bank pressure 67 (Shelby, OH); 45306 0 listings, 0 candidates, bank pressure 64; 45336 0 listings, 0 candidates, bank pressure 67; 45340 0 listings, 0 candidates, bank pressure 67; 45353 0 listings, 0 candidates, bank pressure 67. Shelby, OH totals: 12 listings; Shelby, OH candidates 10; active ZIPs 3.
Lenders with branches in Shelby, OH
Shelby, OH lenders by branch count: U S Bank National Assn (Shelby, OH): stress 67, 4 branches low in Shelby, OH; Farmers&Merchants State Bank (Shelby, OH): stress 60, 3 branches low in Shelby, OH; Osgood Bank (Shelby, OH): stress 69, 2 branches low in Shelby, OH; First Nb In New Bremen (Shelby, OH): stress 62, 2 branches low in Shelby, OH; Peoples Savings&Loan Co (Shelby, OH): stress 80, 1 branch low in Shelby, OH; Jpmorgan Chase Bank Na (Shelby, OH): stress 65, 1 branch low in Shelby, OH; Minster Bank (Shelby, OH): stress 62, 1 branch low in Shelby, OH; Fifth Third Bank Na (Shelby, OH): stress 62, 1 branch low in Shelby, OH.
Vacancy and permits, Shelby, OH
1,243 of 20,149 Shelby, OH housing units are vacant; Shelby, OH permits, twelve months: 148 multifamily units in Shelby, OH, 113 one-to-four unit units.
Work Shelby, OH at the parcel level
Every Shelby, OH parcel carries owner and address; every Shelby, OH parcel carries APN; Shelby, OH distress scores sit on the Shelby, OH live board.
Shelby, OH figures refresh with each source.
Shelby, OH questions
Most distressed ZIP code in Shelby County, OH?
ZIP 45356 leads Shelby, OH at 20/100; next in Shelby, OH: 45302 at 18/100; the Shelby, OH average is 17/100.
Where does Shelby County, OH rank for investment opportunity?
Shelby, OH is #2,429 among all ranked counties, #41 in Ohio; the Shelby, OH driver is construction; Shelby, OH moved down 128 places.
How many mortgages are delinquent in Shelby County, OH?
Shelby, OH takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Shelby, OH.
Which banks lend in Shelby County, OH?
8 watched lenders hold Shelby, OH branches; the largest Shelby, OH footprints are U S Bank National Assn (4), Farmers&Merchants State Bank (3), Osgood Bank (2).
More on Shelby, OH
Shelby County, OH distress report: public-record figures for Shelby, OH; not legal advice for Shelby, OH; not tax or investment advice; verify every Shelby, OH record before acting.