Clay County, IN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clay County, IN distress report, 2026: 18 ZIPs scored in Clay, IN, Clay, IN average 22/100; the top Clay, IN ZIP is 47427 at 24/100; Clay, IN market phase expansion, Clay, IN prices +6.4% year over year.
- Clay, IN ranks #467 nationally (opportunity index); Clay, IN #10 in Indiana; Clay, IN index 33.6.
- Clay, IN: no CFPB county sample; Clay, IN metro area reading 1.1%.
- Clay, IN ZIP phases: 14 expansion, 4 peak.
- Clay, IN residential listings tracked: 10 across 10 ZIPs; Clay, IN candidate listings 4.
- Clay, IN lenders on watch: 4; largest Clay, IN footprint Riddell National Bank (3 branches).
- Clay, IN most distressed ZIP: 47427 at 24/100.
Clay, IN figures: DLRadar distress index; Clay, IN inputs: CFPB, FHFA, HUD, FDIC; Clay, IN rebuilt as sources refresh.
| Rank | Clay, IN ZIP | Score |
|---|---|---|
| 1 | 47427 | 24/100 |
| 2 | 47868 | 24/100 |
| 3 | 46171 | 23/100 |
| 4 | 47438 | 23/100 |
| 5 | 47833 | 23/100 |
| 6 | 47840 | 23/100 |
| 7 | 47841 | 23/100 |
| 8 | 47845 | 23/100 |
| 9 | 47846 | 23/100 |
| 10 | 47853 | 23/100 |
| 11 | 47857 | 23/100 |
| 12 | 47881 | 23/100 |
Most distressed Clay, IN ZIPs (0-100, 2026)
Mortgage delinquency around Clay, IN
No CFPB county sample covers Clay, IN; the metro area reading for Clay, IN (Terre Haute, IN): 1.1% ninety-plus; Clay, IN area thirty-to-eighty-nine 2.8% (December 2025, Clay, IN); Indiana overall 1.0%.
Opportunity index: Clay, IN
Clay, IN index 33.6, Clay, IN phase peak_opportunity; Clay, IN primary driver bank institutional, Clay, IN second driver construction. Clay, IN components: property stress 19.7, foreclosure pressure 17.2, listing discounts 45.3, bank stress 59.6, insurance 0.0; Clay, IN pulse 35.8; Clay, IN capital opportunity 30.2; Clay, IN seven-day change +0.5%.
ZIP market phases inside Clay, IN
18 Clay, IN ZIPs carry a price-cycle phase; Clay, IN ZIPs by phase (Clay, IN), deepest drawdown first: peak, +0.6% YoY, 1.2% off peak (Clay, IN): 47427; peak, +0.9% YoY, 1.1% off peak (Clay, IN): 47868; peak, +3.6% YoY, 0.6% off peak (Clay, IN): 47833; expansion, +6.2% YoY, 0.0% off peak (Clay, IN): 47841; peak, +4.3% YoY (Clay, IN): 46171; expansion, +5.7% YoY (Clay, IN): 47438; expansion, +6.4% YoY (Clay, IN): 47802, 47845, 47846, 47853, Clay, IN 47857, 47858; expansion, +6.2% YoY (Clay, IN): 47834; expansion, +5.4% YoY (Clay, IN): 47837, 47874; expansion, +6.3% YoY (Clay, IN): 47840.
Residential listings by Clay, IN ZIP
Clay, IN ZIPs with the most tracked Clay, IN residential listings: 47834 5 listings, 2 candidates, bank pressure 67; 47833 2 listings, 1 candidates, bank pressure 73; 47881 2 listings, 0 candidates, bank pressure 73; 47840 1 listings, 1 candidates, bank pressure 72 (Clay, IN); 47841 0 listings, 0 candidates, bank pressure 73; 47845 0 listings, 0 candidates, bank pressure 73; 47846 0 listings, 0 candidates, bank pressure 73; 47853 0 listings, 0 candidates, bank pressure 73. Clay, IN totals: 10 listings; Clay, IN candidates 4; active ZIPs 4.
Lenders with branches in Clay, IN
Clay, IN lenders by branch count: Riddell National Bank (Clay, IN): stress 77, 3 branches low in Clay, IN; First Financial Bank Na (Clay, IN): stress 59, 3 branches low in Clay, IN; First Farmers Bank&Trust Co (Clay, IN): stress 58, 2 branches low in Clay, IN; Hometown Savings Bank (Clay, IN): stress 97, 1 branch low in Clay, IN.
Vacancy and permits, Clay, IN
1,096 of 11,645 Clay, IN housing units are vacant; Clay, IN permits, twelve months: 0 multifamily units in Clay, IN, 19 one-to-four unit units.
Work Clay, IN at the parcel level
Every Clay, IN parcel carries owner and address; every Clay, IN parcel carries APN; Clay, IN distress scores sit on the Clay, IN live board.
Clay, IN figures refresh with each source.
Clay, IN questions
Most distressed ZIP code in Clay County, IN?
ZIP 47427 leads Clay, IN at 24/100; next in Clay, IN: 47868 at 24/100; the Clay, IN average is 22/100.
Where does Clay County, IN rank for investment opportunity?
Clay, IN is #467 among all ranked counties, #10 in Indiana; the Clay, IN driver is bank institutional; Clay, IN moved up 506 places.
How many mortgages are delinquent in Clay County, IN?
Clay, IN takes the metro area reading of 1.1% for December 2025; no CFPB county sample covers Clay, IN.
Which banks lend in Clay County, IN?
4 watched lenders hold Clay, IN branches; the largest Clay, IN footprints are Riddell National Bank (3), First Financial Bank Na (3), First Farmers Bank&Trust Co (2).
More on Clay, IN
Clay County, IN distress report: public-record figures for Clay, IN; not legal advice for Clay, IN; not tax or investment advice; verify every Clay, IN record before acting.