Clay County, AR Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clay County, AR distress report, 2026: 13 ZIPs scored in Clay, AR, Clay, AR average 25/100; the top Clay, AR ZIP is 72413 at 32/100; Clay, AR market phase peak, Clay, AR prices +3.3% year over year.
- Clay, AR ranks #491 nationally (opportunity index); Clay, AR #27 in Arkansas; Clay, AR index 33.5.
- Clay, AR: no CFPB county sample; Clay, AR non-metro area reading 1.5%.
- Clay, AR ZIP phases: 13 peak.
- Clay, AR residential listings tracked: 10 across 11 ZIPs; Clay, AR candidate listings 5.
- Clay, AR HUD assisted properties: 4 with 60 units.
- Clay, AR lenders on watch: 4; largest Clay, AR footprint Fm Bank&Trust (3 branches).
- Clay, AR most distressed ZIP: 72413 at 32/100.
Clay, AR figures: DLRadar distress index; Clay, AR inputs: CFPB, FHFA, HUD, FDIC; Clay, AR rebuilt as sources refresh.
| Rank | Clay, AR ZIP | Score |
|---|---|---|
| 1 | 72413 | 32/100 |
| 2 | 72436 | 29/100 |
| 3 | 72461 | 27/100 |
| 4 | 72422 | 24/100 |
| 5 | 72424 | 24/100 |
| 6 | 72430 | 24/100 |
| 7 | 72435 | 24/100 |
| 8 | 72441 | 24/100 |
| 9 | 72453 | 24/100 |
| 10 | 72454 | 24/100 |
| 11 | 72456 | 24/100 |
| 12 | 72464 | 24/100 |
Most distressed Clay, AR ZIPs (0-100, 2026)
Mortgage delinquency around Clay, AR
No CFPB county sample covers Clay, AR; the non-metro area reading for Clay, AR: 1.5% ninety-plus; Clay, AR area thirty-to-eighty-nine 3.0% (December 2025, Clay, AR); Arkansas overall 1.3%.
Opportunity index: Clay, AR
Clay, AR index 33.5, Clay, AR phase peak_opportunity; Clay, AR primary driver vacancy, Clay, AR second driver bank institutional. Clay, AR components: property stress 23.1, foreclosure pressure 24.2, listing discounts 41.2, bank stress 49.1, insurance 0.0; Clay, AR pulse 35.0; Clay, AR capital opportunity 31.3.
ZIP market phases inside Clay, AR
13 Clay, AR ZIPs carry a price-cycle phase; Clay, AR ZIPs by phase (Clay, AR), deepest drawdown first: peak, +3.3% YoY, 0.1% off peak (Clay, AR): 72413, 72422, 72424, 72430, Clay, AR 72435, 72441, 72453, 72454, Clay, AR 72456, 72464, 72470; peak, +3.2% YoY, 0.1% off peak (Clay, AR): 72461; peak, +2.8% YoY, 0.0% off peak (Clay, AR): 72436.
Residential listings by Clay, AR ZIP
Clay, AR ZIPs with the most tracked Clay, AR residential listings: 72422 3 listings, 1 candidates, bank pressure 49; 72454 3 listings, 2 candidates, bank pressure 49; 72461 3 listings, 2 candidates, bank pressure 53; 72441 1 listings, 0 candidates, bank pressure 49 (Clay, AR); 72424 0 listings, 0 candidates, bank pressure 49; 72430 0 listings, 0 candidates, bank pressure 49; 72435 0 listings, 0 candidates, bank pressure 49; 72453 0 listings, 0 candidates, bank pressure 49. Clay, AR totals: 10 listings; Clay, AR candidates 5; active ZIPs 1.
HUD assisted housing in Clay, AR
4 assisted properties with 60 units sit in Clay, AR; largest Clay, AR properties: Brad Of Corning (Corning) 20 units, 20 assisted; Brad Of Piggott (Piggott) 20 units, 20 assisted; Corning Senior Apartments (Corning) 14 units, 14 assisted in Clay, AR; Corning Independent Living Center (Corning) 6 units, 5 assisted.
Lenders with branches in Clay, AR
Clay, AR lenders by branch count: Fm Bank&Trust (Clay, AR): stress 51, 3 branches low in Clay, AR; First National Bank (Clay, AR): stress 61, 2 branches low in Clay, AR; Riverbank (Clay, AR): stress 61, 1 branch low in Clay, AR; Centennial Bank (Clay, AR): stress 23, 1 branch low in Clay, AR.
Vacancy and permits, Clay, AR
1,471 of 7,492 Clay, AR housing units are vacant; Clay, AR permits, twelve months: 0 multifamily units in Clay, AR, 6 one-to-four unit units.
Work Clay, AR at the parcel level
Every Clay, AR parcel carries owner and address; every Clay, AR parcel carries APN; Clay, AR distress scores sit on the Clay, AR live board.
Clay, AR figures refresh with each source.
Clay, AR questions
Most distressed ZIP code in Clay County, AR?
ZIP 72413 leads Clay, AR at 32/100; next in Clay, AR: 72436 at 29/100; the Clay, AR average is 25/100.
Where does Clay County, AR rank for investment opportunity?
Clay, AR is #491 among all ranked counties, #27 in Arkansas; the Clay, AR driver is vacancy; Clay, AR moved up 532 places.
How many mortgages are delinquent in Clay County, AR?
Clay, AR takes the non-metro area reading of 1.5% for December 2025; no CFPB county sample covers Clay, AR.
Which banks lend in Clay County, AR?
4 watched lenders hold Clay, AR branches; the largest Clay, AR footprints are Fm Bank&Trust (3), First National Bank (2), Riverbank (1).
More on Clay, AR
Clay County, AR distress report: public-record figures for Clay, AR; not legal advice for Clay, AR; not tax or investment advice; verify every Clay, AR record before acting.