Clay County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clay County, Georgia? DLRadar grades every Clay County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 15/100. Here is the 2026 Clay County breakdown.
- Clay County's most distressed ZIP is 39846 at 15/100.
- 6 ZIP codes tracked in Clay County, averaging 12/100 distress.
- Clay County reads peak — home values up 2.5% year over year.
- Vacancy runs 39.5% across Clay County's tracked ZIPs, with a 16.8% poverty rate.
- The typical Clay County home is worth about $81,680 against a ~$42,526 median income.
- Lending headwind in Clay County sits at 0/100 — 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 | 39846 | 15/100 |
| 2 | 39824 | 14/100 |
| 3 | 39836 | 14/100 |
| 4 | 39851 | 13/100 |
| 5 | 39867 | 9/100 |
| 6 | 39854 | 8/100 |
Most distressed ZIP codes in Clay County (composite distress 0-100, 2026)
What is driving Clay County distress
Nothing here is estimated: Clay County is scored from filings alone, and its ZIPs average 12/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Clay County market phase and pricing
Phase for Clay County: peak (+2.5% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Clay County
Clay County's ZIP-level scores stay free. The 60-minute exploration is what unlocks the property-level detail behind them — no card today.
Card-free · live data across the whole platform for a week.
Common questions
Where is distress highest inside Clay County, GA?
ZIP 39846 leads Clay County at 15/100, recomputed monthly from public records.
Where is Clay County in the housing cycle?
Phase for Clay County: peak, tracking a 2.5% gain year over year, read off the FHFA index.
What are the sources behind these Clay County numbers?
Clay County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 6 ZIPs are comparable to anywhere else.
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 15/100 in 39846 down to 8/100 in 39854, against a Clay County average of 12/100. A spread of 7 points means Clay County has to be worked ZIP by ZIP.
What do Clay County home values and vacancy say about distressed supply?
The typical Clay County home carries about $81,680 of value against a median household income near $42,526. Vacancy across Clay County's tracked ZIPs runs 39.5% and the poverty rate is 16.8%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Clay County's foreclosure and lien filings and its 0/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.