Clay County, MO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clay County, MO distress report, 2026: 23 ZIPs scored in Clay, MO, Clay, MO average 26/100; the top Clay, MO ZIP is 64060 at 29/100; Clay, MO market phase peak, Clay, MO prices +2.8% year over year.
- Clay, MO ranks #2,304 nationally (opportunity index); Clay, MO #88 in Missouri; Clay, MO index 26.7.
- Clay, MO ninety-day mortgage delinquency 0.8% in December 2025; Clay, MO twelve-month change +0.4%.
- Clay, MO ZIP phases: 23 peak.
- Clay, MO residential listings tracked: 61 across 18 ZIPs; Clay, MO candidate listings 11.
- Clay, MO HUD assisted properties: 24 with 2,383 units.
- Clay, MO lenders on watch: 8; largest Clay, MO footprint Central Trust Bank (9 branches).
- Clay, MO most distressed ZIP: 64060 at 29/100.
Clay, MO figures: DLRadar distress index; Clay, MO inputs: CFPB, FHFA, HUD, FDIC; Clay, MO rebuilt as sources refresh.
| Rank | Clay, MO ZIP | Score |
|---|---|---|
| 1 | 64060 | 29/100 |
| 2 | 64068 | 29/100 |
| 3 | 64072 | 29/100 |
| 4 | 64116 | 29/100 |
| 5 | 64117 | 29/100 |
| 6 | 64118 | 29/100 |
| 7 | 64119 | 29/100 |
| 8 | 64155 | 29/100 |
| 9 | 64156 | 29/100 |
| 10 | 64157 | 29/100 |
| 11 | 64158 | 29/100 |
| 12 | 64161 | 29/100 |
Most distressed Clay, MO ZIPs (0-100, 2026)
Mortgage delinquency in Clay, MO
0.8% of Clay, MO mortgages were ninety-plus days late (Clay, MO, December 2025); Clay, MO thirty-to-eighty-nine days late: 2.2%; Clay, MO twelve-month change +0.4%; Clay, MO peak since 2008: 3.0% (February 2010); Missouri overall 0.9%. Clay, MO ninety-day series: Dec 24 0.4, Jan 25 0.6, Feb 25 0.5 (Clay, MO), Mar 25 0.7, Apr 25 0.9, May 25 1.0 (Clay, MO), Jun 25 0.7, Jul 25 0.5, Aug 25 0.7 (Clay, MO), Sep 25 0.7, Oct 25 0.8, Nov 25 0.6 (Clay, MO), Dec 25 0.8.
Opportunity index: Clay, MO
Clay, MO index 26.7, Clay, MO phase weak; Clay, MO primary driver construction, Clay, MO second driver bank institutional. Clay, MO components: property stress 8.0, foreclosure pressure 6.1, listing discounts 32.1, bank stress 52.5, insurance 0.0; Clay, MO pulse 28.5; Clay, MO capital opportunity 24.0; Clay, MO seven-day change +0.2%.
ZIP market phases inside Clay, MO
23 Clay, MO ZIPs carry a price-cycle phase; Clay, MO ZIPs by phase (Clay, MO), deepest drawdown first: peak, +2.8% YoY (Clay, MO): 64024, 64048, 64060, 64062, Clay, MO 64068, 64072, 64077, 64089, Clay, MO 64116, 64117, 64118, 64119, Clay, MO 64150, 64151, 64155, 64156.
Residential listings by Clay, MO ZIP
Clay, MO ZIPs with the most tracked Clay, MO residential listings: 64119 14 listings, 2 candidates, bank pressure 58; 64118 10 listings, 1 candidates, bank pressure 59; 64155 8 listings, 0 candidates, bank pressure 59; 64024 5 listings, 1 candidates, bank pressure 59 (Clay, MO); 64068 5 listings, 2 candidates, bank pressure 58; 64089 5 listings, 2 candidates, bank pressure 59; 64157 5 listings, 1 candidates, bank pressure 58; 64116 3 listings, 0 candidates, bank pressure 58. Clay, MO totals: 61 listings; Clay, MO candidates 11; active ZIPs 12.
HUD assisted housing in Clay, MO
24 assisted properties with 2,383 units sit in Clay, MO; largest Clay, MO properties: Parvin Estates (Kansas City) 300 units, 103 assisted; Bennington Ridge Apartments (Kansas City) 288 units; Woods At Windrose Apartments (Kansas City) 288 units in Clay, MO; Metro North Mall Apartments (Kansas City) 249 units; The Gardens At Northgate Village (Kansas City) 180 units; Crooked Creek I (Kansas City) 176 units.
Lenders with branches in Clay, MO
Clay, MO lenders by branch count: Central Trust Bank (Clay, MO): stress 54, 9 branches low in Clay, MO; Verimore Bank (Clay, MO): stress 48, 5 branches low in Clay, MO; Commerce Bank (Clay, MO): stress 62, 4 branches low in Clay, MO; Academy Bank National Assn (Clay, MO): stress 53, 4 branches low in Clay, MO; Umb Bank National Assn (Clay, MO): stress 60, 3 branches low in Clay, MO; Southern Bank (Clay, MO): stress 58, 3 branches low in Clay, MO; North American Sb Fsb (Clay, MO): stress 52, 2 branches low in Clay, MO; Hnb National Bank (Clay, MO): stress 36, 2 branches low in Clay, MO.
Vacancy and permits, Clay, MO
5,548 of 107,719 Clay, MO housing units are vacant; Clay, MO permits, twelve months: 0 multifamily units in Clay, MO, 252 one-to-four unit units.
Work Clay, MO at the parcel level
Every Clay, MO parcel carries owner and address; every Clay, MO parcel carries APN; Clay, MO distress scores sit on the Clay, MO live board.
Clay, MO figures refresh with each source.
Clay, MO questions
Most distressed ZIP code in Clay County, MO?
ZIP 64060 leads Clay, MO at 29/100; next in Clay, MO: 64068 at 29/100; the Clay, MO average is 26/100.
Where does Clay County, MO rank for investment opportunity?
Clay, MO is #2,304 among all ranked counties, #88 in Missouri; the Clay, MO driver is construction; Clay, MO moved up 317 places.
How many mortgages are delinquent in Clay County, MO?
0.8% of Clay, MO mortgages were ninety-plus days late in December 2025; the Clay, MO peak since 2008 was 3.0%.
Which banks lend in Clay County, MO?
8 watched lenders hold Clay, MO branches; the largest Clay, MO footprints are Central Trust Bank (9), Verimore Bank (5), Commerce Bank (4).
More on Clay, MO
Clay County, MO distress report: public-record figures for Clay, MO; not legal advice for Clay, MO; not tax or investment advice; verify every Clay, MO record before acting.