Shelby County, TN: Foreclosures, Tax Liens & Distressed Properties
Shelby County, TN, Tennessee: 41 ZIP codes scored, Shelby County, TN averaging 27/100 (low, Shelby, TN), from 21 to 29. Shelby County, TN is in its peak phase (Shelby, TN confidence 11/100): Shelby, TN home prices up 1.2% (Shelby, TN) over twelve months. Shelby County, TN lender headwind: 50/100.
Highest-scoring Shelby County, TN ZIPs: 38011 (29/100), 38016 (27/100), 38018 (27/100), 38029 (27/100), 38054 (27/100), 38103 (27/100). Also scored in Shelby County, TN: 38104, 38105, 38106, 38107, 38108, 38109, 38111, 38112, 38113, 38114.
Across Shelby County, TN's scored ZIPs: median home value $241,337, household income $71,092, 9.7% vacancy, 19.4% poverty, 57% owner-occupied, median age 36.3.
Shelby County, TN insurance distress 70/100 (#647 in the US); FEMA hazard 59/100 for Shelby, TN; 12 federal disaster declarations in Shelby County, TN since 2023; 30 Shelby, TN NFIP flood claims, $720K paid.
33 banks with 203 branches lend in Shelby County, TN; Shelby, TN weighted bank stress 61/100, highest 87/100 in Shelby, TN.
Shelby County, TN unemployment 5.0% (Shelby, TN +0.1 pts, six months); 1,596 new housing units permitted in Shelby County, TN over twelve months, Shelby, TN up 57% from 1,017; Shelby, TN home prices +7.1% a year (Shelby, TN) over three years.
404,333 housing units in Shelby County, TN; 163,786 Shelby, TN renter households; 49% of Shelby, TN renters spend 30%+ of income on rent, 26% (Shelby, TN) half or more.
Shelby County, TN ranks #1,780 nationally on the opportunity index (Shelby, TN, among all ranked counties); Shelby, TN scores 28.5/100 and Shelby, TN sits #57 inside Tennessee. Shelby, TN is in the early_signal opportunity phase; Shelby, TN's primary driver is bank institutional, Shelby, TN second driver vacancy; Shelby, TN moved up 604 places. 93 short-sale listings across Shelby, TN; 106 days on market observed in Shelby, TN; 10.1% vacancy over 41 Shelby, TN ZIPs.
1.1% of Shelby County, TN mortgages were ninety-plus days late in December 2025; Shelby, TN's thirty-to-eighty-nine-day share was 2.7% (CFPB county sample). Shelby, TN's ninety-day rate is up 0.2 points on twelve months earlier; the Shelby, TN peak since 2008 was 5.9% in December 2009; Tennessee overall reads 0.9%.
Shelby County, TN has 14 watched banks; 14 Shelby, TN banks sit in an elevated band. Shelby, TN footprints: First Horizon Bank (28 branches, stress 58) in Shelby, TN; Independent Bank (9 branches, stress 63) in Shelby, TN; Bank Of Bartlett (7 branches, stress 87) in Shelby, TN.
HUD lists 73 assisted multifamily properties in Shelby County, TN with 8,661 units; 4,230 Shelby, TN units are assisted, 31 Shelby, TN properties under project-based Section 8.
41,592 of the 404,333 housing units in Shelby, TN sit vacant. Shelby County, TN permitted 425 multifamily units in twelve months; Shelby, TN's one-to-four unit structures added 1,171 units in Shelby County, TN.