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

Shelby County, IN, Indiana: 17 ZIP codes scored, Shelby County, IN averaging 27/100 (low, Shelby, IN), from 25 to 33. Shelby County, IN is in its peak phase (Shelby, IN confidence 24/100): Shelby, IN home prices up 3.1% (Shelby, IN) over twelve months. Shelby County, IN lender headwind: 51/100.

Highest-scoring Shelby County, IN ZIPs: 46259 (33/100), 46124 (29/100), 46110 (28/100), 46126 (28/100), 46144 (28/100), 46176 (28/100). Also scored in Shelby County, IN: 47234, 46130, 46140, 46161, 46163, 46182, 47272, 46162, 46131, 46150.

Across Shelby County, IN's scored ZIPs: median home value $249,712, household income $84,489, 6.1% vacancy, 7.0% poverty, 83% owner-occupied, median age 40.8.

Shelby County, IN insurance distress 65/100 (#785 in the US); FEMA hazard 52/100 for Shelby, IN; 4 federal disaster declarations in Shelby County, IN since 2023 (2 flood); 19 Shelby, IN NFIP flood claims, $460K paid; Shelby, IN construction distress 81/100.

9 banks with 9 branches lend in Shelby County, IN; Shelby, IN weighted bank stress 64/100, highest 80/100 in Shelby, IN.

Shelby County, IN unemployment 3.2% (Shelby, IN -0.4 pts, six months); 214 new housing units permitted in Shelby County, IN over twelve months, Shelby, IN down 34% from 326; Shelby, IN home prices +9.1% a year (Shelby, IN) over three years.

19,674 housing units in Shelby County, IN; 4,753 Shelby, IN renter households; 36% of Shelby, IN renters spend 30%+ of income on rent, 18% (Shelby, IN) half or more.

Shelby County, IN ranks #1,538 nationally on the opportunity index (Shelby, IN, among all ranked counties); Shelby, IN scores 29.3/100 and Shelby, IN sits #46 inside Indiana. Shelby, IN is in the early_signal opportunity phase; Shelby, IN's primary driver is construction, Shelby, IN second driver bank institutional; Shelby, IN moved up 556 places. 24 short-sale listings across Shelby, IN; 81 days on market observed in Shelby, IN; 7.1% vacancy over 17 Shelby, IN ZIPs.

No CFPB county sample covers Shelby County, IN. The metro area reading for Shelby, IN (Indianapolis-Carmel-Greenwood, IN): 0.9% ninety-plus days late; Shelby, IN's thirty-to-eighty-nine share is 2.3% (Shelby, IN, December 2025 data); Indiana overall 1.0%.

Shelby County, IN has 3 watched banks; 3 Shelby, IN banks sit in an elevated band. Shelby, IN footprints: First Bank Richmond (1 branch, stress 80) in Shelby, IN; First Fs&La Of Greensburg (1 branch, stress 77) in Shelby, IN; First Merchants Bank (1 branch, stress 65) in Shelby, IN.

HUD lists 4 assisted multifamily properties in Shelby County, IN with 386 units; 50 Shelby, IN units are assisted, 1 Shelby, IN properties under project-based Section 8.

1,224 of the 19,674 housing units in Shelby, IN sit vacant. Shelby County, IN permitted 0 multifamily units in twelve months; Shelby, IN's one-to-four unit structures added 214 units in Shelby County, IN.