Clay County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clay County, North Carolina? DLRadar grades every Clay County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 31/100. Here is the 2026 Clay County breakdown.
- Clay County's most distressed ZIP is 28734 at 31/100.
- 5 ZIP codes tracked in Clay County, averaging 26/100 distress.
- Clay County reads peak — home values up 2.8% year over year.
- Vacancy runs 32.3% across Clay County's tracked ZIPs, with a 11.6% poverty rate.
- The typical Clay County home is worth about $260,280 against a ~$52,103 median income.
- Lending headwind in Clay County sits at 56/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 28734 | 31/100 |
| 2 | 28906 | 28/100 |
| 3 | 28902 | 24/100 |
| 4 | 28904 | 23/100 |
| 5 | 28909 | 23/100 |
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 26/100 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
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.
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Common questions
Where is distress highest inside Clay County, NC?
ZIP 28734 leads Clay County at 31/100, recomputed monthly from public records.
What market phase is Clay County in?
FHFA price-index movement places Clay County in peak; prices are up 2.8% over twelve months.
How is the Clay County data sourced?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 5 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?
The county figure is a blend, not a description. Across the Clay County ZIPs DLRadar ranks, scores run from 31/100 in 28734 down to 23/100 in 28909, against a Clay County average of 26/100. With 8 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 $260,280 of value against a median household income near $52,103. Vacancy across Clay County's tracked ZIPs runs 32.3% and the poverty rate is 11.6%. 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 56/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.