Clay County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clay County, GA distress report, 2026: 6 ZIPs scored in Clay, GA, Clay, GA average 13/100; the top Clay, GA ZIP is 39846 at 19/100; Clay, GA market phase peak, Clay, GA prices +2.5% year over year.
- Clay, GA ranks #1,165 nationally (opportunity index); Clay, GA #77 in Georgia; Clay, GA index 30.6.
- Clay, GA: no CFPB county sample; Clay, GA non-metro area reading 1.3%.
- Clay, GA ZIP phases: 6 peak.
- Clay, GA residential listings tracked: 0 across 2 ZIPs; Clay, GA candidate listings 0.
- Clay, GA lenders on watch: 1; largest Clay, GA footprint First State Bank Of Blakely (1 branch).
- Clay, GA most distressed ZIP: 39846 at 19/100.
Clay, GA figures: DLRadar distress index; Clay, GA inputs: CFPB, FHFA, HUD, FDIC; Clay, GA rebuilt as sources refresh.
| Rank | Clay, GA ZIP | Score |
|---|---|---|
| 1 | 39846 | 19/100 |
| 2 | 39824 | 15/100 |
| 3 | 39836 | 15/100 |
| 4 | 39851 | 12/100 |
| 5 | 39867 | 10/100 |
| 6 | 39854 | 9/100 |
Most distressed Clay, GA ZIPs (0-100, 2026)
Mortgage delinquency around Clay, GA
No CFPB county sample covers Clay, GA; the non-metro area reading for Clay, GA: 1.3% ninety-plus; Clay, GA area thirty-to-eighty-nine 3.0% (December 2025, Clay, GA); Georgia overall 1.3%.
Opportunity index: Clay, GA
Clay, GA index 30.6, Clay, GA phase early_signal; Clay, GA primary driver vacancy, Clay, GA second driver bank institutional. Clay, GA components: property stress 25.7, foreclosure pressure 25.3, bank stress 45.7, insurance 0.0; Clay, GA pulse 33.6; Clay, GA capital opportunity 26.0; Clay, GA seven-day change +0.3%.
ZIP market phases inside Clay, GA
6 Clay, GA ZIPs carry a price-cycle phase; Clay, GA ZIPs by phase (Clay, GA), deepest drawdown first: peak, +1.8% YoY, 0.2% off peak (Clay, GA): 39867; peak, +1.3% YoY, 0.0% off peak (Clay, GA): 39854; peak, +2.5% YoY (Clay, GA): 39824, 39836, 39846, 39851.
Residential listings by Clay, GA ZIP
Clay, GA ZIPs with the most tracked Clay, GA residential listings: 39824 0 listings, 0 candidates, bank pressure 36; 39851 0 listings, 0 candidates, bank pressure 59. Clay, GA totals: 0 listings; Clay, GA candidates 0; active ZIPs 0.
Lenders with branches in Clay, GA
Clay, GA lenders by branch count: First State Bank Of Blakely (Clay, GA): stress 21, 1 branch low in Clay, GA.
Vacancy and permits, Clay, GA
750 of 1,981 Clay, GA housing units are vacant; Clay, GA permits, twelve months: 0 multifamily units in Clay, GA, 4 one-to-four unit units.
Work Clay, GA at the parcel level
Every Clay, GA parcel carries owner and address; every Clay, GA parcel carries APN; Clay, GA distress scores sit on the Clay, GA live board.
Clay, GA figures refresh with each source.
Clay, GA questions
Most distressed ZIP code in Clay County, GA?
ZIP 39846 leads Clay, GA at 19/100; next in Clay, GA: 39824 at 15/100; the Clay, GA average is 13/100.
Where does Clay County, GA rank for investment opportunity?
Clay, GA is #1,165 among all ranked counties, #77 in Georgia; the Clay, GA driver is vacancy; Clay, GA moved up 282 places.
How many mortgages are delinquent in Clay County, GA?
Clay, GA takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Clay, GA.
Which banks lend in Clay County, GA?
1 watched lenders hold Clay, GA branches; the largest Clay, GA footprints are First State Bank Of Blakely (1).
More on Clay, GA
Clay County, GA distress report: public-record figures for Clay, GA; not legal advice for Clay, GA; not tax or investment advice; verify every Clay, GA record before acting.