Clay County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clay County, Alabama? DLRadar grades every Clay County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Clay County breakdown.
- Clay County's most distressed ZIP is 35150 at 30/100.
- 12 ZIP codes tracked in Clay County, averaging 22/100 distress.
- Clay County reads expansion — home values up 5.0% year over year.
- Vacancy runs 15.2% across Clay County's tracked ZIPs, with a 16.7% poverty rate.
- The typical Clay County home is worth about $144,380 against a ~$49,220 median income.
- Lending headwind in Clay County sits at 76/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 35150 | 30/100 |
| 2 | 36268 | 29/100 |
| 3 | 35160 | 27/100 |
| 4 | 35082 | 21/100 |
| 5 | 36251 | 21/100 |
| 6 | 36256 | 21/100 |
| 7 | 36266 | 21/100 |
| 8 | 36267 | 21/100 |
| 9 | 36255 | 19/100 |
| 10 | 36258 | 19/100 |
| 11 | 36276 | 18/100 |
| 12 | 35072 | 16/100 |
Most distressed ZIP codes in Clay County (composite distress 0-100, 2026)
What is driving Clay County distress
DLRadar builds Clay County's distress picture only from records anyone can pull; its ZIPs average 22/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Clay County market phase and pricing
The cycle in Clay County is expansion, with values up 5.0% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Clay County
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Common questions
Which part of Clay County, AL scores highest for distress?
ZIP 35150 leads Clay County at 30/100, recomputed monthly from public records.
What stage of the price cycle is Clay County at?
Clay County currently sits in expansion, with values up 5.0% year on year, based on FHFA price-index trajectory.
What is this Clay County analysis built from?
Every Clay County figure traces to a public source — FHFA House Price Index for the expansion trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 12 Clay County ZIP codes that it runs on every other U.S. county, so Clay County's numbers are directly comparable to any other market.
How much do distress scores vary between Clay County ZIP codes?
A county average hides the spread. Across the Clay County ZIPs DLRadar ranks, scores run from 30/100 in 35150 down to 16/100 in 35072, against a Clay County average of 22/100. With 14 points between best and worst, county-level targeting in Clay County wastes effort.
What do Clay County home values and vacancy say about distressed supply?
The typical Clay County home carries about $144,380 of value against a median household income near $49,220. Vacancy across Clay County's tracked ZIPs runs 15.2% and the poverty rate is 16.7%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Clay County's foreclosure and lien data and its 76/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.