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

Shelby County, OH, Ohio: 18 ZIP codes scored, Shelby County, OH averaging 17/100 (low, Shelby, OH), from 15 to 20. Shelby County, OH is in its peak phase (Shelby, OH confidence 28/100): Shelby, OH home prices up 3.9% (Shelby, OH) over twelve months. Shelby County, OH lender headwind: 64/100.

Highest-scoring Shelby County, OH ZIPs: 45356 (20/100), 45302 (18/100), 45306 (18/100), 45333 (18/100), 45334 (18/100), 45336 (18/100). Also scored in Shelby County, OH: 45340, 45353, 45360, 45363, 45365, 45845, 45865, 45871, 45317, 45380.

Across Shelby County, OH's scored ZIPs: median home value $230,567, household income $73,776, 6.5% vacancy, 8.3% poverty, 82% owner-occupied, median age 40.7.

Shelby County, OH insurance distress 0/100 (#2,985 in the US); FEMA hazard 0/100 for Shelby, OH; Shelby, OH construction distress 88/100.

10 banks with 18 branches lend in Shelby County, OH; Shelby, OH weighted bank stress 67/100, highest 80/100 in Shelby, OH.

Shelby County, OH unemployment 3.0% (Shelby, OH -1.1 pts, six months); 261 new housing units permitted in Shelby County, OH over twelve months, Shelby, OH down 40% from 436; Shelby, OH home prices +8.8% a year (Shelby, OH) over three years.

20,149 housing units in Shelby County, OH; 4,932 Shelby, OH renter households; 35% of Shelby, OH renters spend 30%+ of income on rent, 12% (Shelby, OH) half or more.

Shelby County, OH ranks #2,422 nationally on the opportunity index (Shelby, OH, among all ranked counties); Shelby, OH scores 26.2/100 and Shelby, OH sits #41 inside Ohio. Shelby, OH is in the weak opportunity phase; Shelby, OH's primary driver is construction, Shelby, OH second driver bank institutional; Shelby, OH moved down 134 places. 1 short-sale listings across Shelby, OH; 60 days on market observed in Shelby, OH; 5.9% vacancy over 18 Shelby, OH ZIPs.

No CFPB county sample covers Shelby County, OH. The non-metro area reading for Shelby, OH: 1.4% ninety-plus days late; Shelby, OH's thirty-to-eighty-nine share is 3.4% (Shelby, OH, December 2025 data); Ohio overall 1.0%.

Shelby County, OH has 8 watched banks; 8 Shelby, OH banks sit in an elevated band. Shelby, OH footprints: U S Bank National Assn (4 branches, stress 67) in Shelby, OH; Farmers&Merchants State Bank (3 branches, stress 60) in Shelby, OH; Osgood Bank (2 branches, stress 69) in Shelby, OH.

1,243 of the 20,149 housing units in Shelby, OH sit vacant. Shelby County, OH permitted 148 multifamily units in twelve months; Shelby, OH's one-to-four unit structures added 113 units in Shelby County, OH.