Shelby County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Shelby County, Texas? DLRadar grades every Shelby County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 22/100. Here is the 2026 Shelby County breakdown.
- Shelby County's most distressed ZIP is 75643 at 22/100.
- 7 ZIP codes tracked in Shelby County, averaging 18/100 distress.
- Shelby County reads peak — home values up 2.0% year over year.
- Vacancy runs 24.4% across Shelby County's tracked ZIPs, with a 24.5% poverty rate.
- The typical Shelby County home is worth about $108,643 against a ~$50,033 median income.
- Lending headwind in Shelby County sits at 8/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 75643 | 22/100 |
| 2 | 75974 | 21/100 |
| 3 | 75954 | 18/100 |
| 4 | 75973 | 18/100 |
| 5 | 75975 | 18/100 |
| 6 | 75935 | 17/100 |
| 7 | 75972 | 12/100 |
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 18/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Shelby County market phase and pricing
DLRadar places Shelby County in peak; prices moved up 2.0% 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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Questions about this county
Where is distress highest inside Shelby County, TX?
ZIP 75643 leads Shelby County at 22/100, recomputed monthly from public records.
What stage of the price cycle is Shelby County at?
Phase for Shelby County: peak, tracking a 2.0% gain year over year, read off the FHFA index.
How is the Shelby County data sourced?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 7 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?
A county average hides the spread. Across the Shelby County ZIPs DLRadar ranks, scores run from 22/100 in 75643 down to 12/100 in 75972, against a Shelby County average of 18/100. Those 10 points separate the ZIPs worth working in Shelby County from the rest.
What do Shelby County home values and vacancy say about distressed supply?
The typical Shelby County home carries about $108,643 of value against a median household income near $50,033. Vacancy across Shelby County's tracked ZIPs runs 24.4% and the poverty rate is 24.5%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Shelby County's foreclosure and lien data and its 8/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.