Shelby County, IA: Foreclosures, Tax Liens & Distressed Properties
Shelby County, IA, Iowa: 19 ZIP codes scored, Shelby County, IA averaging 15/100 (low, Shelby, IA), from 9 to 25. Shelby County, IA is in its peak phase (Shelby, IA confidence 28/100): Shelby, IA home prices up 2.5% (Shelby, IA) over twelve months. Shelby County, IA lender headwind: 52/100.
Highest-scoring Shelby County, IA ZIPs: 51521 (25/100), 51577 (25/100), 51570 (20/100), 51563 (19/100), 51529 (17/100), 51455 (15/100). Also scored in Shelby County, IA: 50022, 51552, 51565, 51454, 51446, 51447, 51527, 51530, 51537, 51562.
Across Shelby County, IA's scored ZIPs: median home value $153,174, household income $66,984, 9.0% vacancy, 10.4% poverty, 78% owner-occupied, median age 47.9.
Shelby County, IA insurance distress 21/100 (#2,118 in the US); FEMA hazard 40/100 for Shelby, IA; 4 federal disaster declarations in Shelby County, IA since 2023; Shelby, IA construction distress 29/100.
5 banks with 10 branches lend in Shelby County, IA; Shelby, IA weighted bank stress 61/100, highest 77/100 in Shelby, IA.
Shelby County, IA unemployment 2.9% (Shelby, IA -0.1 pts, six months); 5 new housing units permitted in Shelby County, IA over twelve months, Shelby, IA up 25% from 4; Shelby, IA home prices +10.5% a year (Shelby, IA) over three years.
5,441 housing units in Shelby County, IA; 1,207 Shelby, IA renter households; 37% of Shelby, IA renters spend 30%+ of income on rent, 15% (Shelby, IA) half or more.
Shelby County, IA ranks #2,079 nationally on the opportunity index (Shelby, IA, among all ranked counties); Shelby, IA scores 27.4/100 and Shelby, IA sits #46 inside Iowa. Shelby, IA is in the weak opportunity phase; Shelby, IA's primary driver is bank institutional, Shelby, IA second driver vacancy; Shelby, IA moved down 72 places. 3 short-sale listings across Shelby, IA; 35 days on market observed in Shelby, IA; 8.4% vacancy over 19 Shelby, IA ZIPs.
No CFPB county sample covers Shelby County, IA. The non-metro area reading for Shelby, IA: 0.7% ninety-plus days late; Shelby, IA's thirty-to-eighty-nine share is 2.1% (Shelby, IA, December 2025 data); Iowa overall 0.9%.
Shelby County, IA has 5 watched banks; 5 Shelby, IA banks sit in an elevated band. Shelby, IA footprints: Shelby County State Bank (5 branches, stress 58) in Shelby, IA; Farmers Trust&Savings Bank (2 branches, stress 59) in Shelby, IA; Defiance State Bank (1 branch, stress 77) in Shelby, IA.
559 of the 5,441 housing units in Shelby, IA sit vacant. Shelby County, IA permitted 0 multifamily units in twelve months; Shelby, IA's one-to-four unit structures added 5 units in Shelby County, IA.