Clay County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clay County, Kentucky? DLRadar grades every Clay County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 34/100. Here is the 2026 Clay County breakdown.
- Clay County's most distressed ZIP is 40741 at 34/100.
- 10 ZIP codes tracked in Clay County, averaging 25/100 distress.
- Clay County reads peak — home values up 4.4% year over year.
- Vacancy runs 17.1% across Clay County's tracked ZIPs, with a 28.9% poverty rate.
- The typical Clay County home is worth about $114,900 against a ~$55,602 median income.
- Lending headwind in Clay County sits at 87/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 40741 | 34/100 |
| 2 | 40744 | 34/100 |
| 3 | 40962 | 34/100 |
| 4 | 40913 | 28/100 |
| 5 | 40941 | 24/100 |
| 6 | 40972 | 24/100 |
| 7 | 40914 | 22/100 |
| 8 | 40874 | 18/100 |
| 9 | 40983 | 16/100 |
| 10 | 40486 | 14/100 |
Most distressed ZIP codes in Clay County (composite distress 0-100, 2026)
What is driving Clay County distress
Nothing here is estimated: Clay County is scored from filings alone, and its ZIPs average 25/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Clay County market phase and pricing
Clay County reads peak — home prices rose 4.4% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Clay County
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Frequently asked
Which part of Clay County, KY scores highest for distress?
ZIP 40741 leads Clay County at 34/100, recomputed monthly from public records.
What stage of the price cycle is Clay County at?
Phase for Clay County: peak, tracking a 4.4% gain year over year, read off the FHFA index.
What is this Clay County analysis built from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 10 Clay County ZIPs are scored by the same deterministic method applied to every U.S. county.
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 34/100 in 40741 down to 14/100 in 40486, against a Clay County average of 25/100. That 20-point gap is why acquisition targeting in Clay County works at ZIP level rather than county level.
What do Clay County home values and vacancy say about distressed supply?
The typical Clay County home carries about $114,900 of value against a median household income near $55,602. Vacancy across Clay County's tracked ZIPs runs 17.1% and the poverty rate is 28.9%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Clay County's foreclosure and tax-lien filings and its 87/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.