Clay County, SD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clay County, South Dakota? DLRadar grades every Clay County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 Clay County breakdown.
- Clay County's most distressed ZIP is 57004 at 23/100.
- 8 ZIP codes tracked in Clay County, averaging 22/100 distress.
- Clay County reads peak — home values up 1.7% year over year.
- Vacancy runs 9.1% across Clay County's tracked ZIPs, with a 7.2% poverty rate.
- The typical Clay County home is worth about $204,625 against a ~$63,583 median income.
- Lending headwind in Clay County sits at 39/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 57004 | 23/100 |
| 2 | 57037 | 22/100 |
| 3 | 57069 | 22/100 |
| 4 | 57073 | 22/100 |
| 5 | 57010 | 21/100 |
| 6 | 57014 | 21/100 |
| 7 | 57031 | 21/100 |
| 8 | 57072 | 21/100 |
Most distressed ZIP codes in Clay County (composite distress 0-100, 2026)
What is driving Clay County distress
The Clay County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 22/100 ZIP average. No proprietary or modelled inputs enter the score.
Clay County market phase and pricing
Clay County currently sits in peak after a 1.7% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Clay County
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Questions about this county
Which part of Clay County, SD scores highest for distress?
ZIP 57004 leads Clay County at 23/100, recomputed monthly from public records.
Which phase does Clay County sit in right now?
FHFA price-index movement places Clay County in peak; prices are up 1.7% over twelve months.
Where does the Clay County data come from?
Each Clay County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 8 local ZIPs and every other county in the country.
How much do distress scores vary between Clay County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Clay County ZIPs DLRadar ranks, scores run from 23/100 in 57004 down to 21/100 in 57072, against a Clay County average of 22/100. Those 2 points separate the ZIPs worth working in Clay County from the rest.
What do Clay County home values and vacancy say about distressed supply?
The typical Clay County home carries about $204,625 of value against a median household income near $63,583. Vacancy across Clay County's tracked ZIPs runs 9.1% and the poverty rate is 7.2%. 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 39/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.