Clay County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clay County, MN distress report, 2026: 17 ZIPs scored in Clay, MN, Clay, MN average 16/100; the top Clay, MN ZIP is 56525 at 18/100; Clay, MN market phase peak, Clay, MN prices +4.1% year over year.
- Clay, MN ranks #3,057 nationally (opportunity index); Clay, MN #75 in Minnesota; Clay, MN index 22.5.
- Clay, MN: no CFPB county sample; Clay, MN metro area reading 0.5%.
- Clay, MN ZIP phases: 17 peak.
- Clay, MN residential listings tracked: 13 across 13 ZIPs; Clay, MN candidate listings 4.
- Clay, MN HUD assisted properties: 6 with 392 units.
- Clay, MN lenders on watch: 4; largest Clay, MN footprint Northwestern Bank Na (3 branches).
- Clay, MN most distressed ZIP: 56525 at 18/100.
Clay, MN figures: DLRadar distress index; Clay, MN inputs: CFPB, FHFA, HUD, FDIC; Clay, MN rebuilt as sources refresh.
| Rank | Clay, MN ZIP | Score |
|---|---|---|
| 1 | 56525 | 18/100 |
| 2 | 56529 | 18/100 |
| 3 | 56536 | 18/100 |
| 4 | 56546 | 18/100 |
| 5 | 56547 | 18/100 |
| 6 | 56549 | 18/100 |
| 7 | 56562 | 18/100 |
| 8 | 56563 | 18/100 |
| 9 | 56572 | 18/100 |
| 10 | 56580 | 18/100 |
| 11 | 56560 | 17/100 |
| 12 | 56552 | 16/100 |
Most distressed Clay, MN ZIPs (0-100, 2026)
Mortgage delinquency around Clay, MN
No CFPB county sample covers Clay, MN; the metro area reading for Clay, MN (Fargo, ND-MN): 0.5% ninety-plus; Clay, MN area thirty-to-eighty-nine 1.1% (December 2025, Clay, MN); Minnesota overall 0.6%.
Opportunity index: Clay, MN
Clay, MN index 22.5, Clay, MN phase weak; Clay, MN primary driver bank institutional, Clay, MN second driver construction. Clay, MN components: property stress 6.2, foreclosure pressure 4.0, listing discounts 22.0, bank stress 58.5, insurance 0.0; Clay, MN pulse 25.3; Clay, MN capital opportunity 18.4.
ZIP market phases inside Clay, MN
17 Clay, MN ZIPs carry a price-cycle phase; Clay, MN ZIPs by phase (Clay, MN), deepest drawdown first: peak, +3.6% YoY (Clay, MN): 56514; peak, +3.7% YoY (Clay, MN): 56519, 56552; peak, +4.1% YoY (Clay, MN): 56525, 56529, 56536, 56546, Clay, MN 56547, 56549, 56560, 56562, Clay, MN 56563, 56580; peak, +2.8% YoY (Clay, MN): 56554; peak, +2.7% YoY (Clay, MN): 56572; peak, +3.4% YoY (Clay, MN): 56574.
Residential listings by Clay, MN ZIP
Clay, MN ZIPs with the most tracked Clay, MN residential listings: 56560 8 listings, 1 candidates, bank pressure 64; 56514 2 listings, 1 candidates, bank pressure 64; 56529 1 listings, 1 candidates, bank pressure 64; 56552 1 listings, 1 candidates, bank pressure 63 (Clay, MN); 56585 1 listings, 0 candidates, bank pressure 61; 56525 0 listings, 0 candidates, bank pressure 64; 56536 0 listings, 0 candidates, bank pressure 64; 56546 0 listings, 0 candidates, bank pressure 64. Clay, MN totals: 13 listings; Clay, MN candidates 4; active ZIPs 5.
HUD assisted housing in Clay, MN
6 assisted properties with 392 units sit in Clay, MN; largest Clay, MN properties: Park View Terrace Apartments (Moorhead) 121 units, 120 assisted; South Shore Landing (Moorhead) 93 units; Houge Estates (Dilworth) 60 units, 60 assisted in Clay, MN; Village Green Manor (Moorhead) 50 units, 50 assisted; Easten Townhomes (Moorhead) 38 units; Moorhead Townhomes (Moorhead) 30 units.
Lenders with branches in Clay, MN
Clay, MN lenders by branch count: Northwestern Bank Na (Clay, MN): stress 49, 3 branches low in Clay, MN; Valley Premier Bank (Clay, MN): stress 65, 2 branches low in Clay, MN; State Bank Of Lake Park (Clay, MN): stress 66, 1 branch low in Clay, MN; Midwest Bank (Clay, MN): stress 42, 1 branch low in Clay, MN.
Vacancy and permits, Clay, MN
1,117 of 27,559 Clay, MN housing units are vacant; Clay, MN permits, twelve months: 123 multifamily units in Clay, MN, 131 one-to-four unit units.
Work Clay, MN at the parcel level
Every Clay, MN parcel carries owner and address; every Clay, MN parcel carries APN; Clay, MN distress scores sit on the Clay, MN live board.
Clay, MN figures refresh with each source.
Clay, MN questions
Most distressed ZIP code in Clay County, MN?
ZIP 56525 leads Clay, MN at 18/100; next in Clay, MN: 56529 at 18/100; the Clay, MN average is 16/100.
Where does Clay County, MN rank for investment opportunity?
Clay, MN is #3,057 among all ranked counties, #75 in Minnesota; the Clay, MN driver is bank institutional; Clay, MN moved down 32 places.
How many mortgages are delinquent in Clay County, MN?
Clay, MN takes the metro area reading of 0.5% for December 2025; no CFPB county sample covers Clay, MN.
Which banks lend in Clay County, MN?
4 watched lenders hold Clay, MN branches; the largest Clay, MN footprints are Northwestern Bank Na (3), Valley Premier Bank (2), State Bank Of Lake Park (1).
More on Clay, MN
Clay County, MN distress report: public-record figures for Clay, MN; not legal advice for Clay, MN; not tax or investment advice; verify every Clay, MN record before acting.