Shelby County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Shelby County, Tennessee? DLRadar grades every Shelby County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Shelby County breakdown.
- Shelby County's most distressed ZIP is 38011 at 30/100.
- 41 ZIP codes tracked in Shelby County, averaging 30/100 distress.
- Shelby County reads peak — home values up 1.2% year over year.
- Vacancy runs 9.7% across Shelby County's tracked ZIPs, with a 19.4% poverty rate.
- The typical Shelby County home is worth about $241,337 against a ~$71,092 median income.
- Lending headwind in Shelby County sits at 50/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 38011 | 30/100 |
| 2 | 38016 | 30/100 |
| 3 | 38018 | 30/100 |
| 4 | 38029 | 30/100 |
| 5 | 38053 | 30/100 |
| 6 | 38054 | 30/100 |
| 7 | 38103 | 30/100 |
| 8 | 38104 | 30/100 |
| 9 | 38105 | 30/100 |
| 10 | 38106 | 30/100 |
| 11 | 38107 | 30/100 |
| 12 | 38108 | 30/100 |
Most distressed ZIP codes in Shelby County (composite distress 0-100, 2026)
What is driving Shelby County distress
DLRadar builds Shelby County's distress picture only from records anyone can pull; its ZIPs average 30/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Shelby County market phase and pricing
Phase for Shelby County: peak (+1.2% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Shelby County
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Common questions
What is the most distressed ZIP code in Shelby County, TN?
ZIP 38011 leads Shelby County at 30/100, recomputed monthly from public records.
Where is Shelby County in the housing cycle?
Phase for Shelby County: peak, tracking a 1.2% gain year over year, read off the FHFA index.
What are the sources behind these Shelby County numbers?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 41 Shelby County ZIPs are scored by the same deterministic method applied to every U.S. county.
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 30/100 in 38011 down to 30/100 in 38108, against a Shelby County average of 30/100. Because the gap runs to 0 points, Shelby County rewards ZIP-level precision.
What do Shelby County home values and vacancy say about distressed supply?
The typical Shelby County home carries about $241,337 of value against a median household income near $71,092. Vacancy across Shelby County's tracked ZIPs runs 9.7% and the poverty rate is 19.4%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Shelby County's filings and its 50/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.