Clay County, AR Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clay County, Arkansas? DLRadar grades every Clay County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 32/100. Here is the 2026 Clay County breakdown.
- Clay County's most distressed ZIP is 72413 at 32/100.
- 13 ZIP codes tracked in Clay County, averaging 24/100 distress.
- Clay County reads peak — home values up 3.3% year over year.
- Vacancy runs 21.8% across Clay County's tracked ZIPs, with a 20.4% poverty rate.
- The typical Clay County home is worth about $96,689 against a ~$51,721 median income.
- Lending headwind in Clay County sits at 22/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 72413 | 32/100 |
| 2 | 72436 | 28/100 |
| 3 | 72461 | 26/100 |
| 4 | 72422 | 22/100 |
| 5 | 72424 | 22/100 |
| 6 | 72430 | 22/100 |
| 7 | 72435 | 22/100 |
| 8 | 72441 | 22/100 |
| 9 | 72453 | 22/100 |
| 10 | 72454 | 22/100 |
| 11 | 72456 | 22/100 |
| 12 | 72464 | 22/100 |
Most distressed ZIP codes in Clay County (composite distress 0-100, 2026)
What is driving Clay County distress
Clay County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 24/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Clay County market phase and pricing
The cycle in Clay County is peak, with values up 3.3% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Questions and answers
Which Clay County ZIP scores worst for distress?
ZIP 72413 leads Clay County at 32/100, recomputed monthly from public records.
What market phase is Clay County in?
Clay County currently sits in peak, with values up 3.3% year on year, based on FHFA price-index trajectory.
How is the Clay County data sourced?
Every Clay County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 13 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?
One county number flattens a wide range. Across the Clay County ZIPs DLRadar ranks, scores run from 32/100 in 72413 down to 22/100 in 72464, against a Clay County average of 24/100. With 10 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 $96,689 of value against a median household income near $51,721. Vacancy across Clay County's tracked ZIPs runs 21.8% and the poverty rate is 20.4%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Clay County's foreclosure and tax-lien filings and its 22/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.