Shelby County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Shelby County, TX distress report, 2026: 7 ZIPs scored in Shelby, TX, Shelby, TX average 18/100; the top Shelby, TX ZIP is 75643 at 22/100; Shelby, TX market phase peak, Shelby, TX prices +2.0% year over year.
- Shelby, TX ranks #451 nationally (opportunity index); Shelby, TX #60 in Texas; Shelby, TX index 33.7.
- Shelby, TX: no CFPB county sample; Shelby, TX non-metro area reading 1.4%.
- Shelby, TX ZIP phases: 7 peak.
- Shelby, TX residential listings tracked: 8 across 5 ZIPs; Shelby, TX candidate listings 3.
- Shelby, TX HUD assisted properties: 1 with 100 units.
- Shelby, TX lenders on watch: 6; largest Shelby, TX footprint Farmers State Bank (5 branches).
- Shelby, TX most distressed ZIP: 75643 at 22/100.
Shelby, TX figures: DLRadar distress index; Shelby, TX inputs: CFPB, FHFA, HUD, FDIC; Shelby, TX rebuilt as sources refresh.
| Rank | Shelby, TX ZIP | Score |
|---|---|---|
| 1 | 75643 | 22/100 |
| 2 | 75974 | 21/100 |
| 3 | 75954 | 19/100 |
| 4 | 75973 | 18/100 |
| 5 | 75975 | 18/100 |
| 6 | 75935 | 17/100 |
| 7 | 75972 | 12/100 |
Most distressed Shelby, TX ZIPs (0-100, 2026)
Mortgage delinquency around Shelby, TX
No CFPB county sample covers Shelby, TX; the non-metro area reading for Shelby, TX: 1.4% ninety-plus; Shelby, TX area thirty-to-eighty-nine 3.5% (December 2025, Shelby, TX); Texas overall 1.2%.
Opportunity index: Shelby, TX
Shelby, TX index 33.7, Shelby, TX phase peak_opportunity; Shelby, TX primary driver vacancy, Shelby, TX second driver bank institutional. Shelby, TX components: property stress 32.4, foreclosure pressure 35.7, listing discounts 30.3, bank stress 55.0, insurance 0.0; Shelby, TX pulse 37.8; Shelby, TX capital opportunity 27.6; Shelby, TX seven-day change -0.3%.
ZIP market phases inside Shelby, TX
7 Shelby, TX ZIPs carry a price-cycle phase; Shelby, TX ZIPs by phase (Shelby, TX), deepest drawdown first: peak, +2.0% YoY (Shelby, TX): 75643, 75935, 75954, 75972, Shelby, TX 75973, 75974; peak, +2.1% YoY (Shelby, TX): 75975.
Residential listings by Shelby, TX ZIP
Shelby, TX ZIPs with the most tracked Shelby, TX residential listings: 75975 4 listings, 1 candidates, bank pressure 55; 75974 2 listings, 1 candidates, bank pressure 56; 75935 1 listings, 1 candidates, bank pressure 56; 75954 1 listings, 0 candidates, bank pressure 56 (Shelby, TX); 75973 0 listings, 0 candidates, bank pressure 55. Shelby, TX totals: 8 listings; Shelby, TX candidates 3; active ZIPs 1.
HUD assisted housing in Shelby, TX
1 assisted properties with 100 units sit in Shelby, TX; largest Shelby, TX properties: Union Acres Trust (Center) 100 units, 100 assisted.
Lenders with branches in Shelby, TX
Shelby, TX lenders by branch count: Farmers State Bank (Shelby, TX): stress 36, 5 branches low in Shelby, TX; Shelby Savings Bank Ssb (Shelby, TX): stress 58, 2 branches low in Shelby, TX; Citizens Bank (Shelby, TX): stress 85, 1 branch low in Shelby, TX; Woodforest National Bank (Shelby, TX): stress 54, 1 branch low in Shelby, TX; First Nb Of Hughes Springs (Shelby, TX): stress 43, 1 branch low in Shelby, TX; Austin Bank Texas Na (Shelby, TX): stress 31, 1 branch low in Shelby, TX.
Vacancy and permits, Shelby, TX
2,218 of 11,584 Shelby, TX housing units are vacant; Shelby, TX permits, twelve months: 0 multifamily units in Shelby, TX, 5 one-to-four unit units.
Work Shelby, TX at the parcel level
Every Shelby, TX parcel carries owner and address; every Shelby, TX parcel carries APN; Shelby, TX distress scores sit on the Shelby, TX live board.
Shelby, TX figures refresh with each source.
Shelby, TX questions
Most distressed ZIP code in Shelby County, TX?
ZIP 75643 leads Shelby, TX at 22/100; next in Shelby, TX: 75974 at 21/100; the Shelby, TX average is 18/100.
Where does Shelby County, TX rank for investment opportunity?
Shelby, TX is #451 among all ranked counties, #60 in Texas; the Shelby, TX driver is vacancy; Shelby, TX moved up 66 places.
How many mortgages are delinquent in Shelby County, TX?
Shelby, TX takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Shelby, TX.
Which banks lend in Shelby County, TX?
6 watched lenders hold Shelby, TX branches; the largest Shelby, TX footprints are Farmers State Bank (5), Shelby Savings Bank Ssb (2), Citizens Bank (1).
More on Shelby, TX
Shelby County, TX distress report: public-record figures for Shelby, TX; not legal advice for Shelby, TX; not tax or investment advice; verify every Shelby, TX record before acting.