Clay County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clay County, Minnesota? DLRadar grades every Clay County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 20/100. Here is the 2026 Clay County breakdown.
- Clay County's most distressed ZIP is 56525 at 20/100.
- 17 ZIP codes tracked in Clay County, averaging 18/100 distress.
- Clay County reads peak — home values up 4.1% year over year.
- Vacancy runs 10.6% across Clay County's tracked ZIPs, with a 14.8% poverty rate.
- The typical Clay County home is worth about $263,021 against a ~$78,282 median income.
- Lending headwind in Clay County sits at 71/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 56525 | 20/100 |
| 2 | 56529 | 20/100 |
| 3 | 56536 | 20/100 |
| 4 | 56546 | 20/100 |
| 5 | 56547 | 20/100 |
| 6 | 56549 | 20/100 |
| 7 | 56560 | 20/100 |
| 8 | 56562 | 20/100 |
| 9 | 56563 | 20/100 |
| 10 | 56580 | 20/100 |
| 11 | 56572 | 19/100 |
| 12 | 56552 | 18/100 |
Most distressed ZIP codes in Clay County (composite distress 0-100, 2026)
What is driving Clay County distress
Clay County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 18/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Clay County market phase and pricing
Clay County reads peak — home prices rose 4.1% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Questions and answers
What is the most distressed ZIP code in Clay County, MN?
ZIP 56525 leads Clay County at 20/100, recomputed monthly from public records.
What market phase is Clay County in?
Clay County is classified peak with a 4.1% year-over-year increase, following the FHFA House Price Index.
How is the Clay County data sourced?
Clay County draws on FHFA (peak 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 17 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 20/100 in 56525 down to 18/100 in 56552, against a Clay County average of 18/100. That 2-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 $263,021 of value against a median household income near $78,282. Vacancy across Clay County's tracked ZIPs runs 10.6% and the poverty rate is 14.8%. 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 71/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.