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 30/100. Here is the 2026 Clay County breakdown.
- Clay County's most distressed ZIP is 32234 at 30/100.
- 12 ZIP codes tracked in Clay County, averaging 27/100 distress.
- Clay County reads contraction — home values down 0.9% year over year, 1.8% 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 36/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 32234 | 30/100 |
| 2 | 32140 | 29/100 |
| 3 | 32666 | 28/100 |
| 4 | 32003 | 27/100 |
| 5 | 32043 | 27/100 |
| 6 | 32065 | 27/100 |
| 7 | 32068 | 27/100 |
| 8 | 32073 | 27/100 |
| 9 | 32079 | 27/100 |
| 10 | 32656 | 27/100 |
| 11 | 32058 | 24/100 |
| 12 | 32091 | 24/100 |
Most distressed ZIP codes in Clay County (composite distress 0-100, 2026)
What is driving Clay County distress
The Clay County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 27/100 ZIP average. No proprietary or modelled inputs enter the score.
Clay County market phase and pricing
Clay County reads contraction — home prices fell 0.9% over the last year and are 1.8% off their peak. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Questions about this county
Where is distress highest inside Clay County, FL?
ZIP 32234 leads Clay County at 30/100, recomputed monthly from public records.
What stage of the price cycle is Clay County at?
Clay County reads contraction, with home prices down 0.9% year over year. Phase comes from FHFA House Price Index trajectory.
Where does the Clay County data come from?
The inputs are all public: FHFA for the contraction path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 12 ZIP codes in Clay County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Clay County ZIP codes?
A single county score papers over real variation. Across the Clay County ZIPs DLRadar ranks, scores run from 30/100 in 32234 down to 24/100 in 32091, against a Clay County average of 27/100. Because the gap runs to 6 points, Clay County rewards ZIP-level precision.
What do Clay County home values and vacancy say about distressed supply?
The typical Clay County home carries about $263,436 of value against a median household income near $83,487. Vacancy across Clay County's tracked ZIPs runs 12.2% and the poverty rate is 12.6%. 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 36/100 lending headwind.
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Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.