Clay County, IL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clay County, IL distress report, 2026: 13 ZIPs scored in Clay, IL, Clay, IL average 8/100; the top Clay, IL ZIP is 62854 at 22/100; Clay, IL market phase expansion, Clay, IL prices +5.3% year over year.
- Clay, IL ranks #1,623 nationally (opportunity index); Clay, IL #34 in Illinois; Clay, IL index 29.0.
- Clay, IL: no CFPB county sample; Clay, IL non-metro area reading 1.4%.
- Clay, IL ZIP phases: 13 expansion.
- Clay, IL residential listings tracked: 16 across 7 ZIPs; Clay, IL candidate listings 6.
- Clay, IL lenders on watch: 5; largest Clay, IL footprint Clay City Banking Co (3 branches).
- Clay, IL most distressed ZIP: 62854 at 22/100.
Clay, IL figures: DLRadar distress index; Clay, IL inputs: CFPB, FHFA, HUD, FDIC; Clay, IL rebuilt as sources refresh.
| Rank | Clay, IL ZIP | Score |
|---|---|---|
| 1 | 62854 | 22/100 |
| 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 Clay, IL ZIPs (0-100, 2026)
Mortgage delinquency around Clay, IL
No CFPB county sample covers Clay, IL; the non-metro area reading for Clay, IL: 1.4% ninety-plus; Clay, IL area thirty-to-eighty-nine 2.8% (December 2025, Clay, IL); Illinois overall 1.1%.
Opportunity index: Clay, IL
Clay, IL index 29.0, Clay, IL phase early_signal; Clay, IL primary driver bank institutional, Clay, IL second driver vacancy. Clay, IL components: property stress 12.9, foreclosure pressure 12.2, listing discounts 45.6, bank stress 62.6, insurance 0.0; Clay, IL pulse 29.5; Clay, IL capital opportunity 28.3.
ZIP market phases inside Clay, IL
13 Clay, IL ZIPs carry a price-cycle phase; Clay, IL ZIPs by phase (Clay, IL), deepest drawdown first: expansion, +5.6% YoY (Clay, IL): 62424, 62443, 62854; expansion, +5.4% YoY (Clay, IL): 62426; expansion, +5.3% YoY (Clay, IL): 62434, 62448, 62824, 62838, Clay, IL 62839, 62858, 62868, 62879, Clay, IL 62899.
Residential listings by Clay, IL ZIP
Clay, IL ZIPs with the most tracked Clay, IL residential listings: 62839 8 listings, 1 candidates, bank pressure 67; 62824 6 listings, 3 candidates, bank pressure 63; 62858 2 listings, 2 candidates, bank pressure 61; 62426 0 listings, 0 candidates, bank pressure 64 (Clay, IL); 62434 0 listings, 0 candidates, bank pressure 67; 62879 0 listings, 0 candidates, bank pressure 67; 62899 0 listings, 0 candidates, bank pressure 63. Clay, IL totals: 16 listings; Clay, IL candidates 6; active ZIPs 0.
Lenders with branches in Clay, IL
Clay, IL lenders by branch count: Clay City Banking Co (Clay, IL): stress 65, 3 branches low in Clay, IL; Flora Bank&Trust (Clay, IL): stress 83, 2 branches low in Clay, IL; First Cmty Bank Xenia-Flora (Clay, IL): stress 55, 2 branches low in Clay, IL; Community Partners Sb (Clay, IL): stress 76, 1 branch low in Clay, IL; Clay County State Bank (Clay, IL): stress 55, 1 branch low in Clay, IL.
Vacancy and permits, Clay, IL
854 of 6,165 Clay, IL housing units are vacant; Clay, IL permits, twelve months: 0 multifamily units in Clay, IL, 4 one-to-four unit units.
Work Clay, IL at the parcel level
Every Clay, IL parcel carries owner and address; every Clay, IL parcel carries APN; Clay, IL distress scores sit on the Clay, IL live board.
Clay, IL figures refresh with each source.
Clay, IL questions
Most distressed ZIP code in Clay County, IL?
ZIP 62854 leads Clay, IL at 22/100; next in Clay, IL: 62424 at 9/100; the Clay, IL average is 8/100.
Where does Clay County, IL rank for investment opportunity?
Clay, IL is #1,623 among all ranked counties, #34 in Illinois; the Clay, IL driver is bank institutional; Clay, IL moved up 795 places.
How many mortgages are delinquent in Clay County, IL?
Clay, IL takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Clay, IL.
Which banks lend in Clay County, IL?
5 watched lenders hold Clay, IL branches; the largest Clay, IL footprints are Clay City Banking Co (3), Flora Bank&Trust (2), First Cmty Bank Xenia-Flora (2).
More on Clay, IL
Clay County, IL distress report: public-record figures for Clay, IL; not legal advice for Clay, IL; not tax or investment advice; verify every Clay, IL record before acting.