Clay County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clay County, Florida? DLRadar grades every Clay County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 33/100. Here is the 2026 Clay County breakdown.
- Clay County's most distressed ZIP is 32003 at 33/100.
- 12 ZIP codes tracked in Clay County, averaging 32/100 distress.
- Clay County reads peak — home values up 1.8% year over year, 0.6% off peak.
- Vacancy runs 12.2% across Clay County's tracked ZIPs, with a 12.6% poverty rate.
- The typical Clay County home is worth about $263,436 against a ~$83,487 median income.
- Lending headwind in Clay County sits at 14/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 32003 | 33/100 |
| 2 | 32043 | 33/100 |
| 3 | 32065 | 33/100 |
| 4 | 32068 | 33/100 |
| 5 | 32073 | 33/100 |
| 6 | 32079 | 33/100 |
| 7 | 32140 | 33/100 |
| 8 | 32234 | 32/100 |
| 9 | 32656 | 32/100 |
| 10 | 32666 | 31/100 |
| 11 | 32091 | 29/100 |
| 12 | 32058 | 28/100 |
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 32/100 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
Clay County reads peak — home prices rose 1.8% over the last year and are 0.6% off their peak. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Clay County
Browse the full Clay County distress data free, or start a 7-day trial to unlock the scored distressed properties inside each ZIP — no card charged today.
No card charged today · explore every module with live data.
Frequently asked questions
What is the most distressed ZIP code in Clay County, FL?
ZIP 32003 leads Clay County at 33/100, recomputed monthly from public records.
What market phase is Clay County in?
Clay County reads peak, with home prices up 1.8% year over year. Phase comes from FHFA House Price Index trajectory.
Where does the Clay County data come from?
Every figure traces to a public source — FHFA HPI, CFPB, county recorder filings, FEMA/NFIP and Census ACS — scored deterministically, the same way in every county.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.