Clay County, MS Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clay County, Mississippi? DLRadar grades every Clay County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 19/100. Here is the 2026 Clay County breakdown.
- Clay County's most distressed ZIP is 39759 at 19/100.
- 8 ZIP codes tracked in Clay County, averaging 13/100 distress.
- Clay County reads peak — home values up 3.8% year over year.
- Vacancy runs 14.8% across Clay County's tracked ZIPs, with a 22.5% poverty rate.
- The typical Clay County home is worth about $123,475 against a ~$43,267 median income.
- Lending headwind in Clay County sits at 37/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 39759 | 19/100 |
| 2 | 39756 | 15/100 |
| 3 | 39776 | 14/100 |
| 4 | 39741 | 13/100 |
| 5 | 39773 | 13/100 |
| 6 | 39755 | 12/100 |
| 7 | 39750 | 11/100 |
| 8 | 39751 | 5/100 |
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 13/100: 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 3.8% 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
What is the hardest-hit ZIP in Clay County?
ZIP 39759 leads Clay County at 19/100, recomputed monthly from public records.
What market phase is Clay County in?
Clay County reads peak, with home prices up 3.8% year over year. Phase comes from FHFA House Price Index trajectory.
Which datasets feed the Clay County scores?
Every Clay County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 8 Clay County ZIP codes that it runs on every other U.S. county, so Clay County's numbers are directly comparable to any other market.
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 19/100 in 39759 down to 5/100 in 39751, against a Clay County average of 13/100. With 14 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 $123,475 of value against a median household income near $43,267. Vacancy across Clay County's tracked ZIPs runs 14.8% and the poverty rate is 22.5%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Clay County's foreclosure and tax-lien filings and its 37/100 lending headwind.
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Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.