Clay County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clay County, Illinois? DLRadar grades every Clay County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 18/100. Here is the 2026 Clay County breakdown.
- Clay County's most distressed ZIP is 62854 at 18/100.
- 13 ZIP codes tracked in Clay County, averaging 8/100 distress.
- Clay County reads expansion — home values up 5.3% year over year.
- Vacancy runs 12.4% across Clay County's tracked ZIPs, with a 13.6% poverty rate.
- The typical Clay County home is worth about $128,631 against a ~$63,234 median income.
- Lending headwind in Clay County sits at 81/100 — 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 | 62854 | 18/100 |
| 2 | 62424 | 9/100 |
| 3 | 62443 | 9/100 |
| 4 | 62899 | 9/100 |
| 5 | 62426 | 8/100 |
| 6 | 62838 | 8/100 |
| 7 | 62824 | 7/100 |
| 8 | 62858 | 7/100 |
| 9 | 62868 | 7/100 |
| 10 | 62434 | 6/100 |
| 11 | 62839 | 6/100 |
| 12 | 62879 | 6/100 |
Most distressed ZIP codes in Clay County (composite distress 0-100, 2026)
What is driving Clay County distress
Clay County's placement in the national index rests on public filings — a 8/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Clay County market phase and pricing
The cycle in Clay County is expansion, with values up 5.3% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Questions and answers
Which part of Clay County, IL scores highest for distress?
ZIP 62854 leads Clay County at 18/100, recomputed monthly from public records.
How would you describe the Clay County market phase?
Clay County currently sits in expansion, with values up 5.3% year on year, based on FHFA price-index trajectory.
How is the Clay County data sourced?
Clay County draws on FHFA (expansion 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 13 ZIPs are comparable to anywhere else.
How much do distress scores vary between Clay County ZIP codes?
Averaging the county conceals how uneven it is. Across the Clay County ZIPs DLRadar ranks, scores run from 18/100 in 62854 down to 6/100 in 62879, against a Clay County average of 8/100. Those 12 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 $128,631 of value against a median household income near $63,234. Vacancy across Clay County's tracked ZIPs runs 12.4% and the poverty rate is 13.6%. 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 81/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.