Clay County, NE Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clay County, Nebraska? DLRadar grades every Clay County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 22/100. Here is the 2026 Clay County breakdown.
- Clay County's most distressed ZIP is 68941 at 22/100.
- 15 ZIP codes tracked in Clay County, averaging 16/100 distress.
- Clay County reads peak — home values up 3.1% year over year.
- Vacancy runs 9.6% across Clay County's tracked ZIPs, with a 10.5% poverty rate.
- The typical Clay County home is worth about $177,842 against a ~$67,516 median income.
- Lending headwind in Clay County sits at 73/100 — 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 | 68941 | 22/100 |
| 2 | 68901 | 21/100 |
| 3 | 68980 | 21/100 |
| 4 | 68436 | 19/100 |
| 5 | 68957 | 19/100 |
| 6 | 68818 | 17/100 |
| 7 | 68452 | 13/100 |
| 8 | 68933 | 13/100 |
| 9 | 68934 | 13/100 |
| 10 | 68938 | 13/100 |
| 11 | 68944 | 13/100 |
| 12 | 68954 | 13/100 |
Most distressed ZIP codes in Clay County (composite distress 0-100, 2026)
What is driving Clay County distress
Nothing here is estimated: Clay County is scored from filings alone, and its ZIPs average 16/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Clay County market phase and pricing
DLRadar places Clay County in peak; prices moved up 3.1% 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
What is the hardest-hit ZIP in Clay County?
ZIP 68941 leads Clay County at 22/100, recomputed monthly from public records.
Is Clay County expanding or contracting?
Clay County currently sits in peak, with values up 3.1% year on year, based on FHFA 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 15 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 22/100 in 68941 down to 13/100 in 68954, against a Clay County average of 16/100. With 9 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 $177,842 of value against a median household income near $67,516. Vacancy across Clay County's tracked ZIPs runs 9.6% and the poverty rate is 10.5%. 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 73/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.