Clay County, KY Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clay County, KY distress report, 2026: 10 ZIPs scored in Clay, KY, Clay, KY average 25/100; the top Clay, KY ZIP is 40741 at 34/100; Clay, KY market phase peak, Clay, KY prices +4.4% year over year.
- Clay, KY ranks #20 nationally (opportunity index); Clay, KY #4 in Kentucky; Clay, KY index 40.6.
- Clay, KY: no CFPB county sample; Clay, KY non-metro area reading 1.1%.
- Clay, KY ZIP phases: 6 peak, 2 expansion, 2 neutral.
- Clay, KY residential listings tracked: 12 across 4 ZIPs; Clay, KY candidate listings 4.
- Clay, KY HUD assisted properties: 1 with 78 units.
- Clay, KY lenders on watch: 1; largest Clay, KY footprint First Nb Of Manchester (3 branches).
- Clay, KY most distressed ZIP: 40741 at 34/100.
Clay, KY figures: DLRadar distress index; Clay, KY inputs: CFPB, FHFA, HUD, FDIC; Clay, KY rebuilt as sources refresh.
| Rank | Clay, KY ZIP | Score |
|---|---|---|
| 1 | 40741 | 34/100 |
| 2 | 40744 | 34/100 |
| 3 | 40962 | 34/100 |
| 4 | 40913 | 27/100 |
| 5 | 40941 | 24/100 |
| 6 | 40972 | 23/100 |
| 7 | 40914 | 22/100 |
| 8 | 40486 | 18/100 |
| 9 | 40874 | 18/100 |
| 10 | 40983 | 16/100 |
Most distressed Clay, KY ZIPs (0-100, 2026)
Mortgage delinquency around Clay, KY
No CFPB county sample covers Clay, KY; the non-metro area reading for Clay, KY: 1.1% ninety-plus; Clay, KY area thirty-to-eighty-nine 3.0% (December 2025, Clay, KY); Kentucky overall 1.0%.
Opportunity index: Clay, KY
Clay, KY index 40.6, Clay, KY phase strong_buy; Clay, KY primary driver construction, Clay, KY second driver vacancy. Clay, KY components: property stress 31.5, foreclosure pressure 33.9, listing discounts 47.0, bank stress 64.0, insurance 0.0; Clay, KY pulse 46.8; Clay, KY capital opportunity 32.3; Clay, KY seven-day change +0.9%.
ZIP market phases inside Clay, KY
10 Clay, KY ZIPs carry a price-cycle phase; Clay, KY ZIPs by phase (Clay, KY), deepest drawdown first: expansion, +5.3% YoY (Clay, KY): 40486; peak, +4.4% YoY (Clay, KY): 40741, 40744, 40913, 40941, Clay, KY 40962, 40972; expansion, +5.1% YoY (Clay, KY): 40874; neutral, +4.7% YoY (Clay, KY): 40914; neutral, +4.9% YoY (Clay, KY): 40983.
Residential listings by Clay, KY ZIP
Clay, KY ZIPs with the most tracked Clay, KY residential listings: 40962 11 listings, 4 candidates, bank pressure 66; 40972 1 listings, 0 candidates, bank pressure 68; 40914 0 listings, 0 candidates, bank pressure 68; 40941 0 listings, 0 candidates, bank pressure 67 (Clay, KY). Clay, KY totals: 12 listings; Clay, KY candidates 4; active ZIPs 1.
HUD assisted housing in Clay, KY
1 assisted properties with 78 units sit in Clay, KY; largest Clay, KY properties: Beech Creek Apts (Manchester) 78 units, 78 assisted.
Lenders with branches in Clay, KY
Clay, KY lenders by branch count: First Nb Of Manchester (Clay, KY): stress 71, 3 branches low in Clay, KY.
Vacancy and permits, Clay, KY
1,376 of 8,664 Clay, KY housing units are vacant.
Work Clay, KY at the parcel level
Every Clay, KY parcel carries owner and address; every Clay, KY parcel carries APN; Clay, KY distress scores sit on the Clay, KY live board.
Clay, KY figures refresh with each source.
Clay, KY questions
Most distressed ZIP code in Clay County, KY?
ZIP 40741 leads Clay, KY at 34/100; next in Clay, KY: 40744 at 34/100; the Clay, KY average is 25/100.
Where does Clay County, KY rank for investment opportunity?
Clay, KY is #20 among all ranked counties, #4 in Kentucky; the Clay, KY driver is construction; Clay, KY moved down 1 places.
How many mortgages are delinquent in Clay County, KY?
Clay, KY takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Clay, KY.
Which banks lend in Clay County, KY?
1 watched lenders hold Clay, KY branches; the largest Clay, KY footprints are First Nb Of Manchester (3).
More on Clay, KY
Clay County, KY distress report: public-record figures for Clay, KY; not legal advice for Clay, KY; not tax or investment advice; verify every Clay, KY record before acting.