Clay County, IA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clay County, Iowa? DLRadar grades every Clay County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Clay County breakdown.
- Clay County's most distressed ZIP is 51364 at 28/100.
- 17 ZIP codes tracked in Clay County, averaging 22/100 distress.
- Clay County reads peak — home values up 2.7% year over year.
- Vacancy runs 16% across Clay County's tracked ZIPs, with a 7.3% poverty rate.
- The typical Clay County home is worth about $127,700 against a ~$64,265 median income.
- Lending headwind in Clay County sits at 58/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 51364 | 28/100 |
| 2 | 51058 | 26/100 |
| 3 | 51346 | 26/100 |
| 4 | 50585 | 25/100 |
| 5 | 51338 | 25/100 |
| 6 | 51033 | 24/100 |
| 7 | 50565 | 23/100 |
| 8 | 51047 | 22/100 |
| 9 | 50515 | 20/100 |
| 10 | 51301 | 20/100 |
| 11 | 51333 | 20/100 |
| 12 | 51340 | 20/100 |
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 22/100 ZIP average. No proprietary or modelled inputs enter the score.
Clay County market phase and pricing
Phase for Clay County: peak (+2.7% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Clay County
Keep reading the Clay County data at no cost, or open a 60-minute exploration to work the actual distressed parcels inside each ZIP.
Card-free · live data across the whole platform for a week.
Questions and answers
Which Clay County ZIP scores worst for distress?
ZIP 51364 leads Clay County at 28/100, recomputed monthly from public records.
Which phase does Clay County sit in right now?
Phase for Clay County: peak, tracking a 2.7% gain year over year, read off the FHFA index.
What are the sources behind these Clay County numbers?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 17 Clay County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
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 28/100 in 51364 down to 20/100 in 51340, against a Clay County average of 22/100. Those 8 points separate the ZIPs worth working in Clay County from the rest.
What do Clay County home values and vacancy say about distressed supply?
The typical Clay County home carries about $127,700 of value against a median household income near $64,265. Vacancy across Clay County's tracked ZIPs runs 16% and the poverty rate is 7.3%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Clay County's foreclosure and tax-lien record and its 58/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.