Clay County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clay County, Indiana? DLRadar grades every Clay County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Clay County breakdown.
- Clay County's most distressed ZIP is 47427 at 24/100.
- 18 ZIP codes tracked in Clay County, averaging 20/100 distress.
- Clay County reads expansion — home values up 6.4% year over year.
- Vacancy runs 16.7% across Clay County's tracked ZIPs, with a 12.5% poverty rate.
- The typical Clay County home is worth about $150,988 against a ~$61,749 median income.
- Lending headwind in Clay County sits at 73/100 — 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 | 47427 | 24/100 |
| 2 | 47868 | 23/100 |
| 3 | 47833 | 22/100 |
| 4 | 47438 | 21/100 |
| 5 | 47802 | 21/100 |
| 6 | 47840 | 20/100 |
| 7 | 47841 | 20/100 |
| 8 | 47845 | 20/100 |
| 9 | 47846 | 20/100 |
| 10 | 47853 | 20/100 |
| 11 | 47857 | 20/100 |
| 12 | 47881 | 20/100 |
Most distressed ZIP codes in Clay County (composite distress 0-100, 2026)
What is driving Clay County distress
DLRadar builds Clay County's distress picture only from records anyone can pull; its ZIPs average 20/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Clay County market phase and pricing
The cycle in Clay County is expansion, with values up 6.4% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Clay County
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Questions and answers
Which ZIP code leads Clay County on distress?
ZIP 47427 leads Clay County at 24/100, recomputed monthly from public records.
Which phase does Clay County sit in right now?
Phase for Clay County: expansion, tracking a 6.4% gain year over year, read off the FHFA index.
What is this Clay County analysis built from?
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 18 ZIPs are comparable to anywhere else.
How much do distress scores vary between Clay County ZIP codes?
A county average hides the spread. Across the Clay County ZIPs DLRadar ranks, scores run from 24/100 in 47427 down to 20/100 in 47881, against a Clay County average of 20/100. Because the gap runs to 4 points, Clay County rewards ZIP-level precision.
What do Clay County home values and vacancy say about distressed supply?
The typical Clay County home carries about $150,988 of value against a median household income near $61,749. Vacancy across Clay County's tracked ZIPs runs 16.7% and the poverty rate is 12.5%. 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 73/100 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.