Clay County, SD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clay County, SD distress report, 2026: 8 ZIPs scored in Clay, SD, Clay, SD average 21/100; the top Clay, SD ZIP is 57010 at 24/100; Clay, SD market phase peak, Clay, SD prices +1.7% year over year.
- Clay, SD ranks #1,993 nationally (opportunity index); Clay, SD #35 in South Dakota; Clay, SD index 27.7.
- Clay, SD: no CFPB county sample; Clay, SD state reading 0.6%.
- Clay, SD ZIP phases: 8 peak.
- Clay, SD residential listings tracked: 5 across 3 ZIPs; Clay, SD candidate listings 2.
- Clay, SD HUD assisted properties: 1 with 10 units.
- Clay, SD lenders on watch: 6; largest Clay, SD footprint Cortrust Bank National Assn (1 branch).
- Clay, SD most distressed ZIP: 57010 at 24/100.
Clay, SD figures: DLRadar distress index; Clay, SD inputs: CFPB, FHFA, HUD, FDIC; Clay, SD rebuilt as sources refresh.
| Rank | Clay, SD ZIP | Score |
|---|---|---|
| 1 | 57010 | 24/100 |
| 2 | 57004 | 23/100 |
| 3 | 57031 | 21/100 |
| 4 | 57037 | 21/100 |
| 5 | 57072 | 21/100 |
| 6 | 57069 | 19/100 |
| 7 | 57073 | 19/100 |
| 8 | 57014 | 18/100 |
Most distressed Clay, SD ZIPs (0-100, 2026)
Mortgage delinquency around Clay, SD
No CFPB county sample covers Clay, SD; the state reading for Clay, SD: 0.6% ninety-plus; Clay, SD area thirty-to-eighty-nine 2.0% (December 2025, Clay, SD).
Opportunity index: Clay, SD
Clay, SD index 27.7, Clay, SD phase weak; Clay, SD primary driver bank institutional, Clay, SD second driver vacancy. Clay, SD components: property stress 17.5, foreclosure pressure 17.1, listing discounts 25.2, bank stress 58.6, insurance 0.0; Clay, SD pulse 31.6; Clay, SD capital opportunity 21.9; Clay, SD seven-day change -0.2%.
ZIP market phases inside Clay, SD
8 Clay, SD ZIPs carry a price-cycle phase; Clay, SD ZIPs by phase (Clay, SD), deepest drawdown first: peak, +0.8% YoY, 0.4% off peak (Clay, SD): 57010; peak, +1.3% YoY, 0.4% off peak (Clay, SD): 57004; peak, +2.2% YoY, 0.1% off peak (Clay, SD): 57014; peak, +1.8% YoY, 0.0% off peak (Clay, SD): 57037, 57073; peak, +1.7% YoY (Clay, SD): 57031, 57069, 57072.
Residential listings by Clay, SD ZIP
Clay, SD ZIPs with the most tracked Clay, SD residential listings: 57069 4 listings, 1 candidates, bank pressure 60; 57073 1 listings, 1 candidates, bank pressure 57; 57010 0 listings, 0 candidates, bank pressure 51. Clay, SD totals: 5 listings; Clay, SD candidates 2; active ZIPs 2.
HUD assisted housing in Clay, SD
1 assisted properties with 10 units sit in Clay, SD; largest Clay, SD properties: Walnut Street Apts (Vermillion) 10 units, 10 assisted.
Lenders with branches in Clay, SD
Clay, SD lenders by branch count: Cortrust Bank National Assn (Clay, SD): stress 87, 1 branch low in Clay, SD; Wells Fargo Bank Na (Clay, SD): stress 67, 1 branch low in Clay, SD; First Bank&Trust (Clay, SD): stress 60, 1 branch low in Clay, SD; First Dakota National Bank (Clay, SD): stress 58, 1 branch low in Clay, SD; First Premier Bank (Clay, SD): stress 42, 1 branch low in Clay, SD; Merchants State Bank (Clay, SD): stress 31, 1 branch low in Clay, SD.
Vacancy and permits, Clay, SD
715 of 6,262 Clay, SD housing units are vacant; Clay, SD permits, twelve months: 10 multifamily units in Clay, SD, 21 one-to-four unit units.
Work Clay, SD at the parcel level
Every Clay, SD parcel carries owner and address; every Clay, SD parcel carries APN; Clay, SD distress scores sit on the Clay, SD live board.
Clay, SD figures refresh with each source.
Clay, SD questions
Most distressed ZIP code in Clay County, SD?
ZIP 57010 leads Clay, SD at 24/100; next in Clay, SD: 57004 at 23/100; the Clay, SD average is 21/100.
Where does Clay County, SD rank for investment opportunity?
Clay, SD is #1,993 among all ranked counties, #35 in South Dakota; the Clay, SD driver is bank institutional; Clay, SD moved down 62 places.
How many mortgages are delinquent in Clay County, SD?
Clay, SD takes the state reading of 0.6% for December 2025; no CFPB county sample covers Clay, SD.
Which banks lend in Clay County, SD?
6 watched lenders hold Clay, SD branches; the largest Clay, SD footprints are Cortrust Bank National Assn (1), Wells Fargo Bank Na (1), First Bank&Trust (1).
More on Clay, SD
Clay County, SD distress report: public-record figures for Clay, SD; not legal advice for Clay, SD; not tax or investment advice; verify every Clay, SD record before acting.