Clay County, MS Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clay County, MS distress report, 2026: 8 ZIPs scored in Clay, MS, Clay, MS average 12/100; the top Clay, MS ZIP is 39759 at 19/100; Clay, MS market phase peak, Clay, MS prices +3.8% year over year.
- Clay, MS ranks #2,784 nationally (opportunity index); Clay, MS #79 in Mississippi; Clay, MS index 24.5.
- Clay, MS: no CFPB county sample; Clay, MS non-metro area reading 1.8%.
- Clay, MS ZIP phases: 8 peak.
- Clay, MS residential listings tracked: 3 across 4 ZIPs; Clay, MS candidate listings 2.
- Clay, MS HUD assisted properties: 1 with 14 units.
- Clay, MS lenders on watch: 3; largest Clay, MS footprint Renasant Bank (2 branches).
- Clay, MS most distressed ZIP: 39759 at 19/100.
Clay, MS figures: DLRadar distress index; Clay, MS inputs: CFPB, FHFA, HUD, FDIC; Clay, MS rebuilt as sources refresh.
| Rank | Clay, MS ZIP | Score |
|---|---|---|
| 1 | 39759 | 19/100 |
| 2 | 39756 | 14/100 |
| 3 | 39755 | 12/100 |
| 4 | 39741 | 11/100 |
| 5 | 39750 | 11/100 |
| 6 | 39773 | 11/100 |
| 7 | 39776 | 11/100 |
| 8 | 39751 | 4/100 |
Most distressed Clay, MS ZIPs (0-100, 2026)
Mortgage delinquency around Clay, MS
No CFPB county sample covers Clay, MS; the non-metro area reading for Clay, MS: 1.8% ninety-plus; Clay, MS area thirty-to-eighty-nine 5.9% (December 2025, Clay, MS); Mississippi overall 1.8%.
Opportunity index: Clay, MS
Clay, MS index 24.5, Clay, MS phase weak; Clay, MS primary driver vacancy, Clay, MS second driver bank institutional. Clay, MS components: property stress 14.2, foreclosure pressure 14.5, listing discounts 16.1, bank stress 49.9, insurance 0.0; Clay, MS pulse 28.0; Clay, MS capital opportunity 19.3.
ZIP market phases inside Clay, MS
8 Clay, MS ZIPs carry a price-cycle phase; Clay, MS ZIPs by phase (Clay, MS), deepest drawdown first: peak, +3.8% YoY (Clay, MS): 39741, 39755, 39756, 39773, Clay, MS 39776; peak, +3.6% YoY (Clay, MS): 39750, 39759; peak, +3.7% YoY (Clay, MS): 39751.
Residential listings by Clay, MS ZIP
Clay, MS ZIPs with the most tracked Clay, MS residential listings: 39741 1 listings, 1 candidates, bank pressure 56; 39755 1 listings, 0 candidates, bank pressure 62; 39756 1 listings, 1 candidates, bank pressure 60; 39773 0 listings, 0 candidates, bank pressure 59 (Clay, MS). Clay, MS totals: 3 listings; Clay, MS candidates 2; active ZIPs 1.
HUD assisted housing in Clay, MS
1 assisted properties with 14 units sit in Clay, MS; largest Clay, MS properties: River Heights Apartments (West Point) 14 units, 14 assisted.
Lenders with branches in Clay, MS
Clay, MS lenders by branch count: Renasant Bank (Clay, MS): stress 43, 2 branches low in Clay, MS; Bank Of Commerce (Clay, MS): stress 62, 1 branch low in Clay, MS; Bankfirst Financial Services (Clay, MS): stress 57, 1 branch low in Clay, MS.
Vacancy and permits, Clay, MS
1,247 of 9,052 Clay, MS housing units are vacant; Clay, MS permits, twelve months: 0 multifamily units in Clay, MS, 4 one-to-four unit units.
Work Clay, MS at the parcel level
Every Clay, MS parcel carries owner and address; every Clay, MS parcel carries APN; Clay, MS distress scores sit on the Clay, MS live board.
Clay, MS figures refresh with each source.
Clay, MS questions
Most distressed ZIP code in Clay County, MS?
ZIP 39759 leads Clay, MS at 19/100; next in Clay, MS: 39756 at 14/100; the Clay, MS average is 12/100.
Where does Clay County, MS rank for investment opportunity?
Clay, MS is #2,784 among all ranked counties, #79 in Mississippi; the Clay, MS driver is vacancy; Clay, MS moved down 75 places.
How many mortgages are delinquent in Clay County, MS?
Clay, MS takes the non-metro area reading of 1.8% for December 2025; no CFPB county sample covers Clay, MS.
Which banks lend in Clay County, MS?
3 watched lenders hold Clay, MS branches; the largest Clay, MS footprints are Renasant Bank (2), Bank Of Commerce (1), Bankfirst Financial Services (1).
More on Clay, MS
Clay County, MS distress report: public-record figures for Clay, MS; not legal advice for Clay, MS; not tax or investment advice; verify every Clay, MS record before acting.