Clay County, NE Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clay County, NE distress report, 2026: 15 ZIPs scored in Clay, NE, Clay, NE average 17/100; the top Clay, NE ZIP is 68436 at 26/100; Clay, NE market phase peak, Clay, NE prices +3.1% year over year.
- Clay, NE ranks #2,623 nationally (opportunity index); Clay, NE #69 in Nebraska; Clay, NE index 25.3.
- Clay, NE: no CFPB county sample; Clay, NE non-metro area reading 0.8%.
- Clay, NE ZIP phases: 15 peak.
- Clay, NE residential listings tracked: 6 across 10 ZIPs; Clay, NE candidate listings 3.
- Clay, NE lenders on watch: 3; largest Clay, NE footprint Cornerstone Bank (6 branches).
- Clay, NE most distressed ZIP: 68436 at 26/100.
Clay, NE figures: DLRadar distress index; Clay, NE inputs: CFPB, FHFA, HUD, FDIC; Clay, NE rebuilt as sources refresh.
| Rank | Clay, NE ZIP | Score |
|---|---|---|
| 1 | 68436 | 26/100 |
| 2 | 68901 | 22/100 |
| 3 | 68941 | 22/100 |
| 4 | 68980 | 22/100 |
| 5 | 68957 | 20/100 |
| 6 | 68818 | 17/100 |
| 7 | 68934 | 16/100 |
| 8 | 68979 | 16/100 |
| 9 | 68452 | 13/100 |
| 10 | 68933 | 13/100 |
| 11 | 68935 | 13/100 |
| 12 | 68938 | 13/100 |
Most distressed Clay, NE ZIPs (0-100, 2026)
Mortgage delinquency around Clay, NE
No CFPB county sample covers Clay, NE; the non-metro area reading for Clay, NE: 0.8% ninety-plus; Clay, NE area thirty-to-eighty-nine 2.1% (December 2025, Clay, NE); Nebraska overall 0.6%.
Opportunity index: Clay, NE
Clay, NE index 25.3, Clay, NE phase weak; Clay, NE primary driver bank institutional, Clay, NE second driver construction. Clay, NE components: property stress 12.9, foreclosure pressure 12.9, listing discounts 18.1, bank stress 57.6, insurance 0.0; Clay, NE pulse 29.9; Clay, NE capital opportunity 18.3; Clay, NE seven-day change +0.2%.
ZIP market phases inside Clay, NE
15 Clay, NE ZIPs carry a price-cycle phase; Clay, NE ZIPs by phase (Clay, NE), deepest drawdown first: peak, +2.8% YoY, 0.1% off peak (Clay, NE): 68980; peak, +3.0% YoY, 0.0% off peak (Clay, NE): 68901; peak, +3.3% YoY (Clay, NE): 68436, 68818, 68934; peak, +3.1% YoY (Clay, NE): 68452, 68933, 68938, 68941, Clay, NE 68944, 68954, 68975; peak, +3.2% YoY (Clay, NE): 68935, 68957, 68979.
Residential listings by Clay, NE ZIP
Clay, NE ZIPs with the most tracked Clay, NE residential listings: 68933 1 listings, 1 candidates, bank pressure 60; 68935 1 listings, 0 candidates, bank pressure 58; 68941 1 listings, 1 candidates, bank pressure 58; 68944 1 listings, 0 candidates, bank pressure 55 (Clay, NE); 68979 1 listings, 1 candidates, bank pressure 55; 68980 1 listings, 0 candidates, bank pressure 57; 68452 0 listings, 0 candidates, bank pressure 60; 68938 0 listings, 0 candidates, bank pressure 60. Clay, NE totals: 6 listings; Clay, NE candidates 3; active ZIPs 4.
Lenders with branches in Clay, NE
Clay, NE lenders by branch count: Cornerstone Bank (Clay, NE): stress 69, 6 branches low in Clay, NE; Waypoint Bank (Clay, NE): stress 51, 2 branches low in Clay, NE; Pinnacle Bank (Clay, NE): stress 62, 1 branch low in Clay, NE.
Vacancy and permits, Clay, NE
327 of 2,817 Clay, NE housing units are vacant; Clay, NE permits, twelve months: 0 multifamily units in Clay, NE, 23 one-to-four unit units.
Work Clay, NE at the parcel level
Every Clay, NE parcel carries owner and address; every Clay, NE parcel carries APN; Clay, NE distress scores sit on the Clay, NE live board.
Clay, NE figures refresh with each source.
Clay, NE questions
Most distressed ZIP code in Clay County, NE?
ZIP 68436 leads Clay, NE at 26/100; next in Clay, NE: 68901 at 22/100; the Clay, NE average is 17/100.
Where does Clay County, NE rank for investment opportunity?
Clay, NE is #2,623 among all ranked counties, #69 in Nebraska; the Clay, NE driver is bank institutional; Clay, NE moved down 233 places.
How many mortgages are delinquent in Clay County, NE?
Clay, NE takes the non-metro area reading of 0.8% for December 2025; no CFPB county sample covers Clay, NE.
Which banks lend in Clay County, NE?
3 watched lenders hold Clay, NE branches; the largest Clay, NE footprints are Cornerstone Bank (6), Waypoint Bank (2), Pinnacle Bank (1).
More on Clay, NE
Clay County, NE distress report: public-record figures for Clay, NE; not legal advice for Clay, NE; not tax or investment advice; verify every Clay, NE record before acting.