Shelby County, AL: Foreclosures, Tax Liens & Distressed Properties

Shelby County, AL, Alabama: 23 ZIP codes scored, Shelby County, AL averaging 29/100 (low, Shelby, AL), from 20 to 30. Shelby County, AL is in its peak phase (Shelby, AL confidence 22/100): Shelby, AL home prices up 2.7% (Shelby, AL) over twelve months. Shelby County, AL lender headwind: 43/100.

Highest-scoring Shelby County, AL ZIPs: 35007 (30/100), 35043 (30/100), 35051 (30/100), 35078 (30/100), 35080 (30/100), 35114 (30/100). Also scored in Shelby County, AL: 35124, 35128, 35143, 35147, 35176, 35185, 35186, 35022, 35040, 35094.

Across Shelby County, AL's scored ZIPs: median home value $289,148, household income $92,588, 8.4% vacancy, 9.5% poverty, 79% owner-occupied, median age 42.0.

Shelby County, AL insurance distress 80/100 (#351 in the US); FEMA hazard 87/100 for Shelby, AL; 3 federal disaster declarations in Shelby County, AL since 2023 (3 hurricane); 2 Shelby, AL NFIP flood claims, $62K paid; Shelby, AL construction distress 24/100.

22 banks with 50 branches lend in Shelby County, AL; Shelby, AL weighted bank stress 61/100, highest 97/100 in Shelby, AL.

Shelby County, AL unemployment 2.8% (Shelby, AL +0.3 pts, six months); 1,328 new housing units permitted in Shelby County, AL over twelve months, Shelby, AL up 25% from 1,063; Shelby, AL home prices +9.0% a year (Shelby, AL) over three years.

91,995 housing units in Shelby County, AL; 16,007 Shelby, AL renter households; 45% of Shelby, AL renters spend 30%+ of income on rent, 23% (Shelby, AL) half or more.

Shelby County, AL ranks #1,746 nationally on the opportunity index (Shelby, AL, among all ranked counties); Shelby, AL scores 28.6/100 and Shelby, AL sits #59 inside Alabama. Shelby, AL is in the early_signal opportunity phase; Shelby, AL's primary driver is bank institutional, Shelby, AL second driver listings discount; Shelby, AL moved up 849 places. 65 short-sale listings across Shelby, AL; 66 days on market observed in Shelby, AL; 5.9% vacancy over 23 Shelby, AL ZIPs.

0.4% of Shelby County, AL mortgages were ninety-plus days late in December 2025; Shelby, AL's thirty-to-eighty-nine-day share was 2.4% (CFPB county sample). Shelby, AL's ninety-day rate is down 0.1 points on twelve months earlier; the Shelby, AL peak since 2008 was 3.9% in January 2010; Alabama overall reads 1.1%.

Shelby County, AL has 10 watched banks; 10 Shelby, AL banks sit in an elevated band. Shelby, AL footprints: Regions Bank (11 branches, stress 57) in Shelby, AL; Central State Bank (6 branches, stress 56) in Shelby, AL; First Us Bank (2 branches, stress 77) in Shelby, AL.

HUD lists 1 assisted multifamily property in Shelby County, AL with 53 units; 53 Shelby, AL units are assisted, 1 Shelby, AL properties under project-based Section 8.

5,129 of the 91,995 housing units in Shelby, AL sit vacant. Shelby County, AL permitted 300 multifamily units in twelve months; Shelby, AL's one-to-four unit structures added 1,028 units in Shelby County, AL.