Clay County, MO Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clay County, Missouri? DLRadar grades every Clay County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Clay County breakdown.
- Clay County's most distressed ZIP is 64060 at 25/100.
- 23 ZIP codes tracked in Clay County, averaging 23/100 distress.
- Clay County reads peak — home values up 2.8% year over year.
- Vacancy runs 5.4% across Clay County's tracked ZIPs, with a 8.2% poverty rate.
- The typical Clay County home is worth about $287,191 against a ~$89,749 median income.
- Lending headwind in Clay County sits at 31/100 — 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 | 64060 | 25/100 |
| 2 | 64068 | 25/100 |
| 3 | 64072 | 25/100 |
| 4 | 64116 | 25/100 |
| 5 | 64117 | 25/100 |
| 6 | 64118 | 25/100 |
| 7 | 64119 | 25/100 |
| 8 | 64155 | 25/100 |
| 9 | 64156 | 25/100 |
| 10 | 64157 | 25/100 |
| 11 | 64158 | 25/100 |
| 12 | 64161 | 25/100 |
Most distressed ZIP codes in Clay County (composite distress 0-100, 2026)
What is driving Clay County distress
DLRadar builds Clay County's distress picture only from records anyone can pull; its ZIPs average 23/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Clay County market phase and pricing
DLRadar places Clay County in peak; prices moved up 2.8% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Clay County
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Frequently asked questions
Which ZIP code leads Clay County on distress?
ZIP 64060 leads Clay County at 25/100, recomputed monthly from public records.
How would you describe the Clay County market phase?
Clay County reads peak, with home prices up 2.8% year over year. Phase comes from FHFA House Price Index trajectory.
Which datasets feed the Clay County scores?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 23 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?
Averaging the county conceals how uneven it is. Across the Clay County ZIPs DLRadar ranks, scores run from 25/100 in 64060 down to 25/100 in 64161, against a Clay County average of 23/100. With 0 points between best and worst, county-level targeting in Clay County wastes effort.
What do Clay County home values and vacancy say about distressed supply?
The typical Clay County home carries about $287,191 of value against a median household income near $89,749. Vacancy across Clay County's tracked ZIPs runs 5.4% and the poverty rate is 8.2%. 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 31/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.