Clay County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clay County, AL distress report, 2026: 12 ZIPs scored in Clay, AL, Clay, AL average 22/100; the top Clay, AL ZIP is 35150 at 31/100; Clay, AL market phase expansion, Clay, AL prices +5.0% year over year.
- Clay, AL ranks #620 nationally (opportunity index); Clay, AL #24 in Alabama; Clay, AL index 32.8.
- Clay, AL: no CFPB county sample; Clay, AL non-metro area reading 1.6%.
- Clay, AL ZIP phases: 5 expansion, 4 peak, 3 neutral.
- Clay, AL residential listings tracked: 0 across 5 ZIPs; Clay, AL candidate listings 0.
- Clay, AL lenders on watch: 2; largest Clay, AL footprint Firststate Bank (2 branches).
- Clay, AL most distressed ZIP: 35150 at 31/100.
Clay, AL figures: DLRadar distress index; Clay, AL inputs: CFPB, FHFA, HUD, FDIC; Clay, AL rebuilt as sources refresh.
| Rank | Clay, AL ZIP | Score |
|---|---|---|
| 1 | 35150 | 31/100 |
| 2 | 36268 | 30/100 |
| 3 | 35160 | 28/100 |
| 4 | 36266 | 22/100 |
| 5 | 35082 | 21/100 |
| 6 | 36251 | 21/100 |
| 7 | 36256 | 21/100 |
| 8 | 36267 | 21/100 |
| 9 | 36255 | 20/100 |
| 10 | 36258 | 19/100 |
| 11 | 36276 | 18/100 |
| 12 | 35072 | 17/100 |
Most distressed Clay, AL ZIPs (0-100, 2026)
Mortgage delinquency around Clay, AL
No CFPB county sample covers Clay, AL; the non-metro area reading for Clay, AL: 1.6% ninety-plus; Clay, AL area thirty-to-eighty-nine 4.7% (December 2025, Clay, AL); Alabama overall 1.1%.
Opportunity index: Clay, AL
Clay, AL index 32.8, Clay, AL phase overheated; Clay, AL primary driver vacancy, Clay, AL second driver construction. Clay, AL components: property stress 23.7, foreclosure pressure 24.0, listing discounts 19.6, bank stress 60.6, insurance 0.0; Clay, AL pulse 41.0; Clay, AL capital opportunity 20.5.
ZIP market phases inside Clay, AL
12 Clay, AL ZIPs carry a price-cycle phase; Clay, AL ZIPs by phase (Clay, AL), deepest drawdown first: neutral, +4.0% YoY (Clay, AL): 35072; expansion, +5.0% YoY (Clay, AL): 35082, 36251, 36258, 36266, Clay, AL 36267; peak, +3.2% YoY (Clay, AL): 35150; peak, +3.6% YoY (Clay, AL): 35160; neutral, +5.0% YoY (Clay, AL): 36255; peak, +3.3% YoY (Clay, AL): 36256; peak, +3.4% YoY (Clay, AL): 36268; neutral, +4.5% YoY (Clay, AL): 36276.
Residential listings by Clay, AL ZIP
Clay, AL ZIPs with the most tracked Clay, AL residential listings: 35082 0 listings, 0 candidates, bank pressure 73; 36251 0 listings, 0 candidates, bank pressure 73; 36255 0 listings, 0 candidates, bank pressure 68; 36266 0 listings, 0 candidates, bank pressure 71 (Clay, AL); 36267 0 listings, 0 candidates, bank pressure 73. Clay, AL totals: 0 listings; Clay, AL candidates 0; active ZIPs 0.
Lenders with branches in Clay, AL
Clay, AL lenders by branch count: Firststate Bank (Clay, AL): stress 86, 2 branches low in Clay, AL; First Bank Of Alabama (Clay, AL): stress 71, 1 branch low in Clay, AL.
Vacancy and permits, Clay, AL
1,286 of 7,106 Clay, AL housing units are vacant; Clay, AL permits, twelve months: 0 multifamily units in Clay, AL, 6 one-to-four unit units.
Work Clay, AL at the parcel level
Every Clay, AL parcel carries owner and address; every Clay, AL parcel carries APN; Clay, AL distress scores sit on the Clay, AL live board.
Clay, AL figures refresh with each source.
Clay, AL questions
Most distressed ZIP code in Clay County, AL?
ZIP 35150 leads Clay, AL at 31/100; next in Clay, AL: 36268 at 30/100; the Clay, AL average is 22/100.
Where does Clay County, AL rank for investment opportunity?
Clay, AL is #620 among all ranked counties, #24 in Alabama; the Clay, AL driver is vacancy; Clay, AL moved down 452 places.
How many mortgages are delinquent in Clay County, AL?
Clay, AL takes the non-metro area reading of 1.6% for December 2025; no CFPB county sample covers Clay, AL.
Which banks lend in Clay County, AL?
2 watched lenders hold Clay, AL branches; the largest Clay, AL footprints are Firststate Bank (2), First Bank Of Alabama (1).
More on Clay, AL
Clay County, AL distress report: public-record figures for Clay, AL; not legal advice for Clay, AL; not tax or investment advice; verify every Clay, AL record before acting.