Shelby County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Shelby County, TN distress report, 2026: 41 ZIPs scored in Shelby, TN, Shelby, TN average 27/100; the top Shelby, TN ZIP is 38011 at 29/100; Shelby, TN market phase peak, Shelby, TN prices +1.2% year over year.
- Shelby, TN ranks #1,789 nationally (opportunity index); Shelby, TN #57 in Tennessee; Shelby, TN index 28.5.
- Shelby, TN ninety-day mortgage delinquency 1.1% in December 2025; Shelby, TN twelve-month change +0.2%.
- Shelby, TN ZIP phases: 41 peak.
- Shelby, TN residential listings tracked: 226 across 38 ZIPs; Shelby, TN candidate listings 45.
- Shelby, TN HUD assisted properties: 73 with 8,661 units.
- Shelby, TN lenders on watch: 8; largest Shelby, TN footprint First Horizon Bank (28 branches).
- Shelby, TN most distressed ZIP: 38011 at 29/100.
Shelby, TN figures: DLRadar distress index; Shelby, TN inputs: CFPB, FHFA, HUD, FDIC; Shelby, TN rebuilt as sources refresh.
| Rank | Shelby, TN ZIP | Score |
|---|---|---|
| 1 | 38011 | 29/100 |
| 2 | 38004 | 27/100 |
| 3 | 38016 | 27/100 |
| 4 | 38018 | 27/100 |
| 5 | 38029 | 27/100 |
| 6 | 38053 | 27/100 |
| 7 | 38054 | 27/100 |
| 8 | 38103 | 27/100 |
| 9 | 38104 | 27/100 |
| 10 | 38105 | 27/100 |
| 11 | 38106 | 27/100 |
| 12 | 38107 | 27/100 |
Most distressed Shelby, TN ZIPs (0-100, 2026)
Mortgage delinquency in Shelby, TN
1.1% of Shelby, TN mortgages were ninety-plus days late (Shelby, TN, December 2025); Shelby, TN thirty-to-eighty-nine days late: 2.7%; Shelby, TN twelve-month change +0.2%; Shelby, TN peak since 2008: 5.9% (December 2009); Tennessee overall 0.9%. Shelby, TN ninety-day series: Dec 24 0.9, Jan 25 1.0, Feb 25 0.9 (Shelby, TN), Mar 25 1.0, Apr 25 0.9, May 25 0.7 (Shelby, TN), Jun 25 1.0, Jul 25 0.9, Aug 25 1.0 (Shelby, TN), Sep 25 0.9, Oct 25 1.0, Nov 25 1.0 (Shelby, TN), Dec 25 1.1.
Opportunity index: Shelby, TN
Shelby, TN index 28.5, Shelby, TN phase early_signal; Shelby, TN primary driver bank institutional, Shelby, TN second driver vacancy. Shelby, TN components: property stress 19.8, foreclosure pressure 21.1, listing discounts 35.4, bank stress 57.6, insurance 0.0; Shelby, TN pulse 29.6; Shelby, TN capital opportunity 26.8; Shelby, TN seven-day change +0.1%.
ZIP market phases inside Shelby, TN
41 Shelby, TN ZIPs carry a price-cycle phase; Shelby, TN ZIPs by phase (Shelby, TN), deepest drawdown first: peak, +1.2% YoY (Shelby, TN): 38002, 38004, 38011, 38016, Shelby, TN 38017, 38018, 38028, 38029, Shelby, TN 38053, 38054, 38103, 38104, Shelby, TN 38105, 38106, 38107, 38108.
Residential listings by Shelby, TN ZIP
Shelby, TN ZIPs with the most tracked Shelby, TN residential listings: 38117 17 listings, 5 candidates, bank pressure 65; 38018 15 listings, 0 candidates, bank pressure 65; 38114 14 listings, 1 candidates, bank pressure 65; 38107 13 listings, 3 candidates, bank pressure 65 (Shelby, TN); 38016 12 listings, 2 candidates, bank pressure 65; 38119 12 listings, 2 candidates, bank pressure 65; 38128 12 listings, 2 candidates, bank pressure 65; 38111 11 listings, 3 candidates, bank pressure 65. Shelby, TN totals: 226 listings; Shelby, TN candidates 45; active ZIPs 31.
HUD assisted housing in Shelby, TN
73 assisted properties with 8,661 units sit in Shelby, TN; largest Shelby, TN properties: The View At Shelby Farms (Memphis) 726 units; Warren-Tulanes (Memphis) 448 units; Walden Pointe (Memphis) 395 units in Shelby, TN; Uptown Square Apartments (Memphis) 347 units; Enclave At Wolfchase (Cordova) 324 units; Peppertree Apartments (Memphis) 306 units, 306 assisted.
Lenders with branches in Shelby, TN
Shelby, TN lenders by branch count: First Horizon Bank (Shelby, TN): stress 58, 28 branches low in Shelby, TN; Independent Bank (Shelby, TN): stress 63, 9 branches low in Shelby, TN; Bank Of Bartlett (Shelby, TN): stress 87, 7 branches low in Shelby, TN; Pinnacle Bank (Shelby, TN): stress 64, 7 branches low in Shelby, TN; Patriot Bank (Shelby, TN): stress 86, 5 branches low in Shelby, TN; Banktennessee (Shelby, TN): stress 70, 5 branches low in Shelby, TN; Paragon Bank (Shelby, TN): stress 78, 4 branches low in Shelby, TN; Insouth Bank (Shelby, TN): stress 82, 2 branches low in Shelby, TN.
Vacancy and permits, Shelby, TN
41,592 of 404,333 Shelby, TN housing units are vacant; Shelby, TN permits, twelve months: 425 multifamily units in Shelby, TN, 1,171 one-to-four unit units.
Work Shelby, TN at the parcel level
Every Shelby, TN parcel carries owner and address; every Shelby, TN parcel carries APN; Shelby, TN distress scores sit on the Shelby, TN live board.
Shelby, TN figures refresh with each source.
Shelby, TN questions
Most distressed ZIP code in Shelby County, TN?
ZIP 38011 leads Shelby, TN at 29/100; next in Shelby, TN: 38004 at 27/100; the Shelby, TN average is 27/100.
Where does Shelby County, TN rank for investment opportunity?
Shelby, TN is #1,789 among all ranked counties, #57 in Tennessee; the Shelby, TN driver is bank institutional; Shelby, TN moved up 595 places.
How many mortgages are delinquent in Shelby County, TN?
1.1% of Shelby, TN mortgages were ninety-plus days late in December 2025; the Shelby, TN peak since 2008 was 5.9%.
Which banks lend in Shelby County, TN?
8 watched lenders hold Shelby, TN branches; the largest Shelby, TN footprints are First Horizon Bank (28), Independent Bank (9), Bank Of Bartlett (7).
More on Shelby, TN
Shelby County, TN distress report: public-record figures for Shelby, TN; not legal advice for Shelby, TN; not tax or investment advice; verify every Shelby, TN record before acting.