Shelby County, TX: Foreclosures, Tax Liens & Distressed Properties
Shelby County, TX, Texas: 7 ZIP codes scored, Shelby County, TX averaging 18/100 (low, Shelby, TX), from 11 to 22. Shelby County, TX is in its peak phase (Shelby, TX confidence 22/100): Shelby, TX home prices up 2.0% (Shelby, TX) over twelve months. Shelby County, TX lender headwind: 8/100.
Highest-scoring Shelby County, TX ZIPs: 75643 (22/100), 75974 (21/100), 75954 (18/100), 75935 (17/100), 75973 (17/100), 75975 (17/100). Also scored in Shelby County, TX: 75972.
Across Shelby County, TX's scored ZIPs: median home value $108,643, household income $50,033, 24.4% vacancy, 24.5% poverty, 75% owner-occupied, median age 41.2.
Shelby County, TX insurance distress 43/100 (#1,288 in the US); FEMA hazard 84/100 for Shelby, TX; 4 federal disaster declarations in Shelby County, TX since 2023 (2 hurricane, 2 flood); Shelby, TX construction distress 9/100.
8 banks with 15 branches lend in Shelby County, TX; Shelby, TX weighted bank stress 52/100, highest 85/100 in Shelby, TX.
Shelby County, TX unemployment 5.5% (Shelby, TX +0.4 pts, six months); 5 new housing units permitted in Shelby County, TX over twelve months, Shelby, TX up 67% from 3; Shelby, TX home prices +7.5% a year (Shelby, TX) over three years.
11,584 housing units in Shelby County, TX; 2,295 Shelby, TX renter households; 27% of Shelby, TX renters spend 30%+ of income on rent, 12% (Shelby, TX) half or more.
Shelby County, TX ranks #451 nationally on the opportunity index (Shelby, TX, among all ranked counties); Shelby, TX scores 33.7/100 and Shelby, TX sits #60 inside Texas. Shelby, TX is in the peak_opportunity opportunity phase; Shelby, TX's primary driver is vacancy, Shelby, TX second driver bank institutional; Shelby, TX moved up 66 places. 110 days on market observed in Shelby, TX; 20.3% vacancy over 7 Shelby, TX ZIPs.
No CFPB county sample covers Shelby County, TX. The non-metro area reading for Shelby, TX: 1.4% ninety-plus days late; Shelby, TX's thirty-to-eighty-nine share is 3.5% (Shelby, TX, December 2025 data); Texas overall 1.2%.
Shelby County, TX has 6 watched banks; 6 Shelby, TX banks sit in an elevated band. Shelby, TX footprints: Farmers State Bank (5 branches, stress 36) in Shelby, TX; Shelby Savings Bank Ssb (2 branches, stress 58) in Shelby, TX; Citizens Bank (1 branch, stress 85) in Shelby, TX.
HUD lists 1 assisted multifamily property in Shelby County, TX with 100 units; 100 Shelby, TX units are assisted, 1 Shelby, TX properties under project-based Section 8.
2,218 of the 11,584 housing units in Shelby, TX sit vacant. Shelby County, TX permitted 0 multifamily units in twelve months; Shelby, TX's one-to-four unit structures added 5 units in Shelby County, TX.