Clay County, IA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clay County, IA distress report, 2026: 17 ZIPs scored in Clay, IA, Clay, IA average 22/100; the top Clay, IA ZIP is 51364 at 28/100; Clay, IA market phase peak, Clay, IA prices +2.7% year over year.
- Clay, IA ranks #2,345 nationally (opportunity index); Clay, IA #61 in Iowa; Clay, IA index 26.5.
- Clay, IA: no CFPB county sample; Clay, IA non-metro area reading 0.7%.
- Clay, IA ZIP phases: 17 peak.
- Clay, IA residential listings tracked: 0 across 10 ZIPs; Clay, IA candidate listings 0.
- Clay, IA HUD assisted properties: 1 with 12 units.
- Clay, IA lenders on watch: 6; largest Clay, IA footprint State Bank (3 branches).
- Clay, IA most distressed ZIP: 51364 at 28/100.
Clay, IA figures: DLRadar distress index; Clay, IA inputs: CFPB, FHFA, HUD, FDIC; Clay, IA rebuilt as sources refresh.
| Rank | Clay, IA ZIP | Score |
|---|---|---|
| 1 | 51364 | 28/100 |
| 2 | 50585 | 25/100 |
| 3 | 51033 | 25/100 |
| 4 | 51058 | 25/100 |
| 5 | 51338 | 25/100 |
| 6 | 51346 | 25/100 |
| 7 | 50565 | 23/100 |
| 8 | 51047 | 23/100 |
| 9 | 50515 | 21/100 |
| 10 | 51301 | 20/100 |
| 11 | 51333 | 20/100 |
| 12 | 51340 | 20/100 |
Most distressed Clay, IA ZIPs (0-100, 2026)
Mortgage delinquency around Clay, IA
No CFPB county sample covers Clay, IA; the non-metro area reading for Clay, IA: 0.7% ninety-plus; Clay, IA area thirty-to-eighty-nine 2.1% (December 2025, Clay, IA); Iowa overall 0.9%.
Opportunity index: Clay, IA
Clay, IA index 26.5, Clay, IA phase weak; Clay, IA primary driver bank institutional, Clay, IA second driver vacancy. Clay, IA components: property stress 20.9, foreclosure pressure 20.9, listing discounts 20.8, bank stress 63.7, insurance 0.0; Clay, IA pulse 30.9; Clay, IA capital opportunity 19.8; Clay, IA seven-day change +0.5%.
ZIP market phases inside Clay, IA
17 Clay, IA ZIPs carry a price-cycle phase; Clay, IA ZIPs by phase (Clay, IA), deepest drawdown first: peak, +2.5% YoY (Clay, IA): 50515, 51058, 51346; peak, +2.7% YoY (Clay, IA): 50565, 50585, 51033, 51047, Clay, IA 51301, 51333, 51338, 51340, Clay, IA 51341, 51343, 51357, 51364; peak, +2.6% YoY (Clay, IA): 51358.
Residential listings by Clay, IA ZIP
Clay, IA ZIPs with the most tracked Clay, IA residential listings: 51033 0 listings, 0 candidates, bank pressure 63; 51047 0 listings, 0 candidates, bank pressure 59; 51301 0 listings, 0 candidates, bank pressure 67; 51333 0 listings, 0 candidates, bank pressure 67 (Clay, IA); 51338 0 listings, 0 candidates, bank pressure 66; 51340 0 listings, 0 candidates, bank pressure 67; 51341 0 listings, 0 candidates, bank pressure 67; 51343 0 listings, 0 candidates, bank pressure 67. Clay, IA totals: 0 listings; Clay, IA candidates 0; active ZIPs 0.
HUD assisted housing in Clay, IA
1 assisted properties with 12 units sit in Clay, IA; largest Clay, IA properties: Sunset Retirement Home East (Spencer) 12 units, 12 assisted.
Lenders with branches in Clay, IA
Clay, IA lenders by branch count: State Bank (Clay, IA): stress 81, 3 branches low in Clay, IA; Community State Bank (Clay, IA): stress 68, 2 branches low in Clay, IA; Northwest Bank (Clay, IA): stress 64, 2 branches low in Clay, IA; Farmers Savings Bank (Clay, IA): stress 69, 1 branch low in Clay, IA; Farmers Trust&Savings Bank (Clay, IA): stress 69, 1 branch low in Clay, IA; West Iowa Bank (Clay, IA): stress 56, 1 branch low in Clay, IA.
Vacancy and permits, Clay, IA
875 of 8,157 Clay, IA housing units are vacant; Clay, IA permits, twelve months: 37 multifamily units in Clay, IA, 16 one-to-four unit units.
Work Clay, IA at the parcel level
Every Clay, IA parcel carries owner and address; every Clay, IA parcel carries APN; Clay, IA distress scores sit on the Clay, IA live board.
Clay, IA figures refresh with each source.
Clay, IA questions
Most distressed ZIP code in Clay County, IA?
ZIP 51364 leads Clay, IA at 28/100; next in Clay, IA: 50585 at 25/100; the Clay, IA average is 22/100.
Where does Clay County, IA rank for investment opportunity?
Clay, IA is #2,345 among all ranked counties, #61 in Iowa; the Clay, IA driver is bank institutional; Clay, IA moved down 198 places.
How many mortgages are delinquent in Clay County, IA?
Clay, IA takes the non-metro area reading of 0.7% for December 2025; no CFPB county sample covers Clay, IA.
Which banks lend in Clay County, IA?
6 watched lenders hold Clay, IA branches; the largest Clay, IA footprints are State Bank (3), Community State Bank (2), Northwest Bank (2).
More on Clay, IA
Clay County, IA distress report: public-record figures for Clay, IA; not legal advice for Clay, IA; not tax or investment advice; verify every Clay, IA record before acting.