Clay County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clay County, NC distress report, 2026: 5 ZIPs scored in Clay, NC, Clay, NC average 24/100; the top Clay, NC ZIP is 28734 at 31/100; Clay, NC market phase peak, Clay, NC prices +2.8% year over year.
- Clay, NC ranks #357 nationally (opportunity index); Clay, NC #12 in North Carolina; Clay, NC index 34.3.
- Clay, NC: no CFPB county sample; Clay, NC non-metro area reading 1.3%.
- Clay, NC ZIP phases: 5 peak.
- Clay, NC residential listings tracked: 15 across 3 ZIPs; Clay, NC candidate listings 8.
- Clay, NC HUD assisted properties: 2 with 39 units.
- Clay, NC lenders on watch: 2; largest Clay, NC footprint First-Citizens Bank&Trust Co (1 branch).
- Clay, NC most distressed ZIP: 28734 at 31/100.
Clay, NC figures: DLRadar distress index; Clay, NC inputs: CFPB, FHFA, HUD, FDIC; Clay, NC rebuilt as sources refresh.
| Rank | Clay, NC ZIP | Score |
|---|---|---|
| 1 | 28734 | 31/100 |
| 2 | 28906 | 27/100 |
| 3 | 28902 | 22/100 |
| 4 | 28904 | 20/100 |
| 5 | 28909 | 20/100 |
Most distressed Clay, NC ZIPs (0-100, 2026)
Mortgage delinquency around Clay, NC
No CFPB county sample covers Clay, NC; the non-metro area reading for Clay, NC: 1.3% ninety-plus; Clay, NC area thirty-to-eighty-nine 3.4% (December 2025, Clay, NC); North Carolina overall 0.9%.
Opportunity index: Clay, NC
Clay, NC index 34.3, Clay, NC phase peak_opportunity; Clay, NC primary driver vacancy, Clay, NC second driver bank institutional. Clay, NC components: property stress 29.1, foreclosure pressure 30.3, listing discounts 31.3, bank stress 58.4, insurance 0.0; Clay, NC pulse 39.4; Clay, NC capital opportunity 26.7; Clay, NC seven-day change -0.6%.
ZIP market phases inside Clay, NC
5 Clay, NC ZIPs carry a price-cycle phase; Clay, NC ZIPs by phase (Clay, NC), deepest drawdown first: peak, +2.8% YoY (Clay, NC): 28734, 28902, 28904, 28906, Clay, NC 28909.
Residential listings by Clay, NC ZIP
Clay, NC ZIPs with the most tracked Clay, NC residential listings: 28904 12 listings, 6 candidates, bank pressure 63; 28902 3 listings, 2 candidates, bank pressure 63; 28909 0 listings, 0 candidates, bank pressure 63. Clay, NC totals: 15 listings; Clay, NC candidates 8; active ZIPs 0.
HUD assisted housing in Clay, NC
2 assisted properties with 39 units sit in Clay, NC; largest Clay, NC properties: Desoto Square Apartments (Hayesville) 32 units, 32 assisted; Wnc Community Homes #6 (Hayesville) 7 units, 6 assisted.
Lenders with branches in Clay, NC
Clay, NC lenders by branch count: First-Citizens Bank&Trust Co (Clay, NC): stress 71, 1 branch low in Clay, NC; Nantahala Bank&Trust Co (Clay, NC): stress 63, 1 branch low in Clay, NC.
Vacancy and permits, Clay, NC
2,416 of 7,497 Clay, NC housing units are vacant; Clay, NC permits, twelve months: 0 multifamily units in Clay, NC, 116 one-to-four unit units.
Work Clay, NC at the parcel level
Every Clay, NC parcel carries owner and address; every Clay, NC parcel carries APN; Clay, NC distress scores sit on the Clay, NC live board.
Clay, NC figures refresh with each source.
Clay, NC questions
Most distressed ZIP code in Clay County, NC?
ZIP 28734 leads Clay, NC at 31/100; next in Clay, NC: 28906 at 27/100; the Clay, NC average is 24/100.
Where does Clay County, NC rank for investment opportunity?
Clay, NC is #357 among all ranked counties, #12 in North Carolina; the Clay, NC driver is vacancy; Clay, NC moved down 43 places.
How many mortgages are delinquent in Clay County, NC?
Clay, NC takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Clay, NC.
Which banks lend in Clay County, NC?
2 watched lenders hold Clay, NC branches; the largest Clay, NC footprints are First-Citizens Bank&Trust Co (1), Nantahala Bank&Trust Co (1).
More on Clay, NC
Clay County, NC distress report: public-record figures for Clay, NC; not legal advice for Clay, NC; not tax or investment advice; verify every Clay, NC record before acting.